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Your Roof Financing Options from Roofing Companies near Me

roofing companies near me

No matter where you live, a roof replacement can feel like a large financial burden. Here at Xterior LLC, we believe that getting a new roof shouldn’t be stressful. After all, completing an improvement project on your home should be a satisfying accomplishment! When searching for roofing companies near me, never settle for a deal that seems too good to be true. Instead, get a quality roof you can afford with our easy roof financing programs. Learn more here about whether or not you need a new roof.

The Types of Roofs We Finance (With Information on Your Options)

You have options when it comes to roofing materials. The two most common are asphalt shingles and metal roofing. Asphalt is the more traditional option that you see on most homes. Metal, on the other hand, was once only used for commercial roofing. It is becoming more popular for homeowners since metal roofing materials now come in a variety of styles and colors. Our roofing company offers financing for both asphalt and metal roofs.

So, which option should you choose for your roof replacement?

Asphalt roofing has the advantage of being less expensive upfront. In general, not only are the materials cheaper, but it is also easier to install. So, we pass on this savings to our customers. Additionally, asphalt roofs can often be easier for minor repairs if you ever need it. During a particularly bad storm, you might lose a few shingles, but you won’t lose an entire roof panel. Click here to learn more about our asphalt roofing system.

On the flip side of things, metal roofs are more expensive upfront but can end up costing less over time. Metal roofing is more durable to withstand high winds like those found during tropical storms. In addition, the material just lasts longer. You’ll find that you need to replace your asphalt roof about every 20 years. Metal roofs typically last more than 50 years and some up to 80 years! A metal roof could conceivably be the last roof you have to buy. The qualities that make a metal roof last so long are also the qualities that increase the value of your home. Your resale value is much higher when a buyer realizes that your house has a metal roof. The best part is that you don’t need to do a lot of maintenance on your metal roof. These roofs are sturdy enough to resist insects, mold, and storm damage. Click here to learn more about our metal roofs.

From an environmental perspective, metal beats out asphalt as a roofing material. Metal roofing is typically made with recycled or partially recycled materials. It can also easily be recycled when you replace it, whereas asphalt is destined for the landfill in most cases. Many homeowners also see an impact to their energy bill, especially in the summer. The idea that a metal roof will make your home an oven is a complete myth. The metal actually reflects the sun, so your home will stay cooler while using less energy for air conditioning.

Last, let’s talk about the look of your roof. Asphalt is certainly the more traditional option. Most homes you see on your street probably have an asphalt shingle roof. However, metal roofs are no longer large, unsightly panels. Today’s metal roofs come in a wide range of styles to match your home’s architecture. You can even get metal roofing that looks like other types of roofing, like slate, clay, tile, cedar shake, and asphalt. Of course, our metal roofs come in almost any color you could want. Therefore, you’ll have no problem matching your siding.

This article from Bob Vila has more great information about the difference between metal and asphalt roofs. If you’re not sure which is right for you, we can help you weigh the pros and cons of each option. Either way, we can help you get a new roof, with the help of financing, for your residential roofing project.

How much do Roofing Companies near Me Charge?

A new roof is no small expense. However, the price of a roof can vary wildly from company to company. Each local roofing contractor has their own way of determining price. Here at Xterior LLC, we’ll calculate the cost of your new roof based on a number of factors, including the following:

  • The roof material you choose (metal versus asphalt)
  • What style and color you choose for your roof (standard versus premium)
  • The square foot size of your home’s roof
  • Special features and considerations, such as having a very steeply sloped roof or difficult-to-access roof
  • Your current roof that we have to remove before starting the installation

When you call us for a quote, we’ll give you a transparent and fair price. You don’t have to worry about our team tacking on additional fees throughout the process. The price you see is the price you get. We provide you with a signed contract reflecting the final price. You will never have a last-minute surprise when we complete the project.

So why do some roofing companies charge a lot less or a lot more?

First, we always tell homeowners that if a price seems too good to be true, it probably is. Super cheap roofs are made with super cheap materials that don’t last for more than a few years. You could be replacing shingles the first time we get a few small gusts during hurricane season. These companies also tend to use incorrect installation methods in order to cut corners. Over time, you’ll find issues with water leaks and moisture problems. Some leaks are relatively small and stay hidden for years, which can cause rot and mold in your home. Unfortunately, poor construction can also lead to infestations from insects and critters.

Keep in mind that these companies are often hiring cheaper, untrained labor. This is especially true if you hire a national company instead of a local roofing company. They can even be contracting the work out to unlicensed teams of workers! Often these contractor teams are not licensed or insured, which puts your home at risk. You may also not get a roof inspection; they’ll simply quote a price sight unseen, with no idea about your roofing needs. In short, a cheap, low-quality roof can end up being a big expense.

On the other end of the spectrum, some companies try to take advantage of homeowners in need. They’ll take advantage of your lack of training about roofs to convince you to spend too much. Instead of doing what is best for their customers, some contractors simply try to pad the bill. Any roofing expert should be willing to answer any question you have and explain their quote. A licensed roofer will also be able to work with your local government or homeowner’s association for any permits or permissions you may need. If you speak to a so-called roofing installation professional who is charging a lot of money for very little customer service, they are typically not the best option for your home. A company that is not located in your area can be gone as soon as your project is complete…leaving you with no customer service when there is a problem.

At Xterior LLC, as a local roofer, we will always do what is best for the homeowner. We use high-quality materials and industry standard installation methods for your roofing project. At the same time, we have long-standing relationships with manufacturers to allow us to pass on a savings to you. We don’t contract out the work to other people, and we don’t cut corners to save money. After all, this is our neighborhood too. We live and work here in the Triad, so we want every roof to be beautiful, safe, and well-installed. With over 45 years of home improvement experience in NC, we want you to recommend us to your friends and family.

We also offer discounts to veterans, military members, seniors, teachers, and first responders. It’s our honor to serve the people who serve our community. We’re proud to have many five-star reviews from our Triad customers.

How Does Roof Financing Work?

If you can’t pay the complete cost of your new roof upfront, don’t worry. We can help you secure financing that makes sense for your budget. Yes, we work with all credit scores. We have credit options that you won’t find with other roofing contractors, thanks to our decades in business. We are now a second-generation family business with strong ties to financial institutions that might otherwise deny your application.

With roof financing, you have a few things to consider:

  • Down Payment
  • Interest Rate
  • Monthly Payments

The down payment is the money you’ll pay upfront for your roof. We have options that start at $0 for qualified buyers. However, keep in mind that the more you can afford to pay upfront, the more money you’ll save in interest.

Your interest rate will depend on several factors, including credit score, credit history, and income. We’ll work with you to help you get the lowest interest rate possible. In some cases, we might even be able to offer you a 0% interest rate! Yes, you read that right: qualified buyers can finance their new roof for no extra cost.

When considering financing, it’s important to choose an option with a monthly payment you can afford. At Xterior, we can help you find an option that is as low as $58 per month. Your exact monthly payment will depend on the total cost of your roof, as well as your interest rate and the term of your loan.

Along with our financing options, we recommend that you ask your mortgage lender about a home equity loan or home equity line of credit. For some homeowners, one of these options may make more sense financially. Typically, a new roof adds a lot of value to your home, so lenders are quick to approve loans and lines of credit.

In short, we’ll give you options with our lenders, but you have time to compare to other financial options as well. Our team will provide you with financing when you need the help, but also support you if you decide to pursue financing elsewhere. Of course, we also work with many homeowners who pay all or most of the cost upfront in order to save money. You don’t have to finance your roof replacement; it’s just an option we provide to ease the financing stress for homeowners.

Your New Roof Installation: What to Expect

Once you’ve made your choices and worked with our financing team, it’s time for roof installation to begin. Here’s what you can expect when you work with Xterior LLC:

  • We’ll show up on our scheduled days. You don’t have to wonder where we are or worry that we are not prioritizing your project. We don’t take on a new roof project unless we can get it done on schedule.
  • Our courteous, hard-working team will respect your home and lawn while tearing off your old roof.
  • For multi-day projects, we make sure that your home and any roofing supplies are secure and protected from the elements.
  • Our licensed and insured team will install your new roof as quickly as possible without sacrificing quality.
  • We strive to never have delays, but in some cases, delays do happen since Mother Nature can be unpredictable. In the case of a weather delay, we stay in close communication about your project.
  • You’ll never receive a bill that includes hidden fees, extra charges, or any other surprises.
  • At the end of the project, we leave your home and lawn looking better than we left it. You won’t need to walk around picking up trash or deal with landscaping eyesores. We make sure the installation project doesn’t create a disaster on your lawn.

Throughout the project, you can go on with your normal daily routine. Unless we tell you otherwise, we typically do not need access to the inside of your home. So, feel free to leave to run errands or go to work. If you have any questions or concerns at all during the installation, we’re happy to address them.

Are you ready to work with a local roofing contractor who cares about your home? Give us a call today at 336-329-3667 or fill out the form at the top of the page for a free estimate.

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