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Contractors Who Offer Roof Financing That’s Easy and Affordable

Roof Financing“If you run from a leaking roof you’ll end up with a flood.”

Mahmoud Abbas

It’s no small matter when you find a leak in your roof. Letting it go or ignoring it can lead to even more expensive repairs. But new roofs are an expensive project. With the financial insecurity caused by the COVID-19 pandemic, it’s hard to know if you can afford a new roof. You need roof financing that’s flexible and affordable from a contractor you can trust. But you also need a company that uses quality products with a superior installation. That’s where Xterior LLC excels.

Xterior is a family-owned and operated company with over 45 years of combined experience in the home improvement business. Our BBB accreditation provides confidence in our commitment to quality. Fully experienced in asphalt and metal roofing, we guarantee a quality installation for years of worry-free ownership.  Moreover, we are an Owens Corning Preferred Contractor. This means we can offer you one of the strongest warranties in the business. Plus, we understand the cost of a new roof. That’s why we have financing options with a fast and friendly pre-approval process.

How to Determine When It’s Time to Replace Your Asphalt Shingle Roof

Often, you can spot signs that your need to replace your roof before it starts to leak. Undoubtedly, if you notice water stains on your ceiling, you should call your roofer right away. Some other signs that may indicate a leak are musty odors or bulging areas on your walls. A roofing contractor will be able to determine if your roof is the cause of the problem.

However, before finding water stains or odors inside your home, you should actively check certain areas for leaks. Your attic is the first place to start. Certainly, if you notice any sunlight streaming through cracks or holes, you’ll need a new roof. Also examine your rafters, sheathing, or insulation for water stains or mold.

Next, head outside to look at your roof. If you have an asphalt shingle roof, examine your shingles for curled or cupped edges. Cracked or worn looking shingles are another indication. Also, if you notice any bald spots or many granules in your gutter, it’s time to call your contractor.

Similarly, algae, moss, and mold are devastating to roofs. If you notice any dark streaks, you may have one of these organisms growing on your shingles. Naturally present in most environments, these organisms reproduce by spores that float through the air.  When they land in an ideal spot, they start to grow. Both algae and moss retain water as they grow causing deterioration and rotting. Over the long term, this can result in considerable structural damage. Naturally, this becomes a much more expensive project than a roof replacement. Better to replace the roof before any structural damage occurs.

Additionally, mold can penetrate through your asphalt shingles causing your roof to rot. Moreover, the damp, soft surface created by mold is attractive to animals. Rodents may chew soft areas or cart off portions of your roof to create nests. Furthermore, some molds can release toxins causing health issues.

What If I Have a Metal Roof?

Although metal roofs last a very long time, they’re not indestructible.  Even though it’s difficult to dent or puncture metal roofing panels, it does happen occasionally. Typically, it’s severe weather conditions that cause damage. Hail or falling debris may puncture, scratch or dent panels. It’s advisable, after a severe storm, to take a look at your roof. If you notice any damage, call your contractor.

Generally, if you notice your metal roof is starting to rust, you’ll need to consider replacing it. Rust is an indicator that the protective coating on your roof has deteriorated. Typically, rust is common on older metal roofs. Today, manufacturers engineer metal roofs to resist rusting unless the panel becomes scratched or punctured.

The Benefits of Asphalt Shingle Roofing

If you look at the houses in your neighborhood, you’ll see that many of them have asphalt shingle roofs. It’s estimated that about 75% of all single-family homes in the U.S. use asphalt shingles to protect their homes. While its cost-effectiveness is the main reason, there are many other benefits too. Not only are asphalt shingles economical, but they’re also easier to install. Ease of installation helps keep labor costs low.

Moreover, asphalt shingle roofs are weather, wind, and fire resistant. With little maintenance, asphalt shingle roofs can last on average 20 years. Also, what many people don’t realize is that old shingles are recyclable. Due to their asphalt content, paving companies can use old shingles in roadways.

Plus, shingles offer a large choice of colors. Asphalt shingles are available in many different colors including grays, browns, reds, and greens. Color-blend options offer hue combinations for a truly unique look.

Furthermore, shingles are available in different styles and textures. Some shingles can even mimic the look of other roofing materials like slate, shakes or tile. Typically, shingles mimicking these profiles have a lower price structure than the original. Of all the shingle designs, the most popular shingle style is the 3-tab. This design gives the appearance of three separate pieces due to the tabs along its lower edge. Another style, architectural, creates a three-dimensional look on your roof.

If you need help with color and style choice, call us at 336-329-3667. One of our friendly staff will be happy to answer any questions. Our design experts can offer suggestions and help in choosing the perfect profile for your home.

The Benefits of Metal Roofing

While some homeowners choose asphalt roofing for its cost effectiveness, others pick metal roofing for its durability. Easily lasting between 40-70 years or more, it’ll probably be the last roof you ever buy. You’ll need to replace your asphalt roof several times in the lifespan of a metal roof. Additionally, metal roofs are eco-friendly. Made from 25-95% recycled material, they’re also 100% recyclable at the end of their life.

Moreover, metal roofs are extremely durable. Many manufacturers design metal panels to withstand winds up to 140 mph. These are the winds of a category 4 hurricane. FEMA has even documented a standing metal seam roof surviving Hurricane Andrew’s winds of 170 mph. If you live in a coastal area, you’ll want to seriously consider installing a metal roof.

Plus, metal roofs are energy-efficient, saving you money on utility bills. Since metal panels reflect solar heat, your house stays cooler in the summer. But metal roofs can save on energy costs in the winter too. During colder months, metal roofs prevent temperature fluctuations in the airspace directly underneath them. This keeps the interior of your home warmer.

Also, metal roofing panels are versatile. With a large selection of colors and styles, metal panels fit every architectural design. While standing seam is the most popular, metal panels can also mimic slate, clay, shake, and asphalt shingles.

Among metal choices, steel is the most popular due to its strength. Available in either galvalume or galvanized, it’s also the cheapest metal choice. Although aluminum is a bit more expensive, you may want this metal for its resistance to corrosion. It’s one of the best metals for homes in coastal areas where salt corrosion is a big problem.

Costs Associated with a New Roof

The expense of a new roof is dependent on several factors. Material, roof size, slope, and design all influence your cost. Notably, your choice of material has one of the biggest impacts on price. Some experts estimate materials encompass 30-40% of the total price of your new roof. Your roof size is another important consideration in price. Generally, a bigger roof requires more material and man more hours to cover it. However, certain situations make labor more expensive.

Usually, steeper roofs require extra safety precautions such as scaffolding to work on your roof. It’s also a bit more time-consuming to install a roof on a steep surface than a flat one. Also, if your roof has many peaks or valleys, your labor costs will be higher. Contractors must give greater attention to any area where two planes join. This is an area that is prone to leaking. Finally, accessibility to your roof affects cost. Obstructions such as trees make your roof harder to work on.

It can be complicated figuring out costs for a new roof. Plus, different factors make each house unique. That’s why we encourage you to call us at 336-329-3667 for a free no-obligation estimate. Our quote takes the guesswork out of how much a new roof will cost.

Getting Financing for your Roof

Certainly, it’s important to have a strong and durable roof protecting your home. However, roofs are an investment. HomeAdvisor lists the national average at $7,895 to install a new roof. Of course, that means many roofs cost less and many are more than that. You need an estimate to determine the cost of your particular roof. Many of us don’t have the cost of a new roof saved up. Often, to buy a new roof, people need to borrow money. Thus, some type of financing is necessary.

One way to pay for your new roof is with a home equity loan. Usually, rates are competitive because the lender uses your home as collateral.  This means if you experience financial difficulty and can’t make your payments, you could lose your home.

A personal loan is another option. However, interest rates are generally higher than a home equity loan. Also, many times banks will only approve members with an excellent credit history. Using your credit card is another option. Nonetheless, this choice carries the highest interest rate. Thus, you’ll end up paying more than any other option.

Yet, there’s one more choice that gives you flexibility without worrying about losing your home or paying high interest rates – contractor financing. At Xterior, our financing is very competitive. Our pre-approval process is quick and easy. Plus, we’re able to offer very affordable financing options to everyone, even if you’ve had some financial problems. Moreover, we’ll find monthly installments within your budget. Best of all, our loans are unsecured with no prepayment penalty. This means, should you lose your job, you won’t lose your home. In today’s uncertainty with COVID-19, this is especially reassuring.

Roof Financing from a Contractor you Can Trust

Protecting your home is critically important. However, sometimes when you need to undertake a home improvement project, you just don’t have the money.  Undoubtedly, delaying fixing a leaky roof can result in more costly repairs. You need roof financing from a contractor you can trust, one with a solid reputation.  And that contractor is Xterior LLC.

We serve much of North Carolina including Greensboro, Winston-Salem, Kernersville, Burlington, Cary, Durham, Raleigh, and Wilmington. Furthermore, we are fully insured to protect you and your home throughout the installation process. Moreover, we offer a workmanship guarantee as well as material and labor warranties.

Best of all, we have financing options because we understand most home improvement projects are a big financial investment.  We offer 0% interest rate, monthly payments as low as $58 per month, or 0% down payment. Plus, we offer discounts to military, seniors, teachers, and first responders. In addition, we install vinyl siding and replacement windows as well as build decks and fencing. Whichever project you choose, we always use quality products with a superior installation for the protection of your home.

What are you waiting for? Give us a call right now at 336-329-3667. No one should have to suffer with a leaky roof.

CONTACT US TODAY FOR A FREE ESTIMATE ON ROOFING, SIDING OR WINDOWS!