Roof Financing Options: How to Pay for a New Roof and How Financing Works With Remi

Start with the price you are borrowing against. Most Remi roof replacements land anywhere from $8,000 to $20,000, depending mainly on roof size, material choice, and roof complexity. For a local check, our fair roof price guide compares the typical ranges on Remi’s service-area pages, where the middle low and high ends are $8,000 and $17,000. Our roof estimate guide shows what the quote itself should spell out.

A fixed price matters more when you finance. Remi’s guaranteed price means the price we quote is the price you pay. Not every job has a guaranteed price, and your quote says when it does. With a fixed number, the loan you apply for matches the contract price, and covered extra repairs found after tear-off, such as rotted decking, do not change it.

Projects quoted under special discounts or promotions may not be eligible, and new structural decking where none exists and elective fascia upgrades beyond code requirements are excluded.

Each option is secured or repaid differently, and that changes the risk.

A loan arranged through the roofer. Many roofers offer financing through lending partners at the time of the quote. It is usually the fastest path. The Federal Trade Commission still advises that you never agree to financing through your contractor without shopping around and comparing loan terms (opens in a new tab).

A home equity loan. The Consumer Financial Protection Bureau (CFPB) explains that a home equity loan (opens in a new tab) lets you borrow against your equity as a lump sum, usually at a fixed rate. Your home is the collateral, so the lender could foreclose if you cannot repay. The CFPB also notes these loans may carry upfront fees, so compare more than the monthly payment.

A PACE loan. Property Assessed Clean Energy financing is repaid through your property tax bill, sometimes over 5, 10, or 20 years. The CFPB says PACE loans may require no down payment (opens in a new tab) but carry fees and interest, can raise your property taxes sharply, and can put you at risk of losing your home through a tax sale.

Paying cash. Paying cash avoids interest. It is still worth controlling when the money moves, which is what an escrow account is for.

Insurance, when a covered event caused the damage. A storm claim can pay for part or all of a replacement, minus your deductible. Our guide to how long an insurance roof replacement takes explains how and when those payments arrive.

To see your options or apply, start on Remi’s financing page. Remi offers monthly-payment financing through lending partners, and the financing page names them: Sunlight Financial and GoodLeap. It lays out three steps:

1. 1Get pre-qualified. After you have a Remi quote, pre-qualification uses a soft pull of your credit report and takes about 5 minutes.
2. 2Approve the scope of work. You approve the project scope and sign your home improvement contract.
3. 3Finalize financing. You choose the timeline and terms that fit your budget.

Read about what financing options Remi offers and the details most people ask about. Many plans offer $0 down and no prepayment penalty. First payments often start about 60 days after installation, depending on the lender and plan, and Remi confirms the timing before you finalize. The lenders and offers can change, and approval depends on eligibility.

If you would rather pay cash, you can fund an escrow account through PayKeeper (see Remi’s payment page). Your payment is held in escrow and released to Remi as project milestones are completed and verified.

Put every offer side by side, including any you find on your own. The FTC recommends never to agree to a loan without understanding its terms and knowing whether you can make the payments.

• The total cost. The interest rate, every fee, and the full amount you will repay over the term, not only the monthly payment.
• What secures the loan. An unsecured loan, a loan against your home, and a property tax assessment carry very different risks if money gets tight.
• When payments start. Ask for the date of the first payment in writing.
• Early payoff. Confirm whether there is a prepayment penalty.
• When the roofer gets paid. The FTC advises not to pay the full amount up front and never to make the final payment until the work is done. With escrow, the money is held and released by milestone, so ask which milestone releases each payment.

Read the contract before you sign it, and do not sign anything with blank spaces. If you sign a contract in your home, the FTC notes you may have a right to cancel within three business days (opens in a new tab).

On an insurance claim, the deductible is yours to pay. Review Remi’s page for insurance carriers. Qualified policyholders can finance their deductible and other out-of-pocket costs with $0 due at signing, through Remi’s bank partners. Financing the deductible spreads it out. It does not reduce what you owe. Our guide to “zero out-of-pocket” roof offers explains why many states bar roofers from covering your deductible.

Request a roof quote to get a guaranteed price first. Then pre-qualify with a soft credit pull, or call Remi at 801-618-2540, and compare that offer with any other financing you are considering.

Remi Editorial Team. Roofing research and homeowner education. This article is general information, not financial advice. Loan terms, approval, and consumer protections vary by lender and state, so read your loan documents and ask the lender about anything you do not understand.

1. 01How to Avoid a Home Improvement Scam (opens in a new tab), Federal Trade Commission. Accessed 2026-08-30.
2. 02What is a home equity loan? (opens in a new tab), Consumer Financial Protection Bureau. Accessed 2026-10-14.
3. 03I am considering a PACE loan for home improvements. What should I keep in mind before signing up? (opens in a new tab), Consumer Financial Protection Bureau. Accessed 2026-10-14.