There is almost always a way to pay for roof work without draining the account to do it. Repairs, storm damage, a full replacement, a whole building. We will find the one that fits and tell you straight if paying outright is the better deal.
Read them first, no form required. Ready now? Give us your details instead.
Three different situations, three different answers. Pick the one that matches and read only that part.
Spread the cost over as long as fifteen years so the payment is small. The most common answer by a wide margin.
How this one works Option 2For a settlement, a sale, a bonus, money you know is coming. Get the roof now, start paying later.
How this one works Option 3Repaid through your property tax bill rather than a loan payment. Powerful, and the one with real tradeoffs.
How this one worksNot sure? Compare all three side by side, or just tell us your situation and we will say which one we would use.
Free, usually within 48 hours. You get a written, itemized price. No financing talk until you know what the work costs.
We text you a secure link, or we run it with you at the kitchen table while we are there. Soft credit pull, back in a few minutes, no effect on your score.
Cash, monthly, deferred, property assessed, on one page with the total cost of each. Including when the answer is to pay outright.
The work gets done now. You pay on the schedule you picked.
Where most people land
Get the roof now and pay a fixed amount each month. Nothing is recorded against your house, and the loan follows you rather than the property, so it is yours to carry or clear whenever you want. Household income counts, which means one credit profile does not have to carry the whole thing on its own. Provided by our lending partner Fastlane.
Say the work comes to $15,000. Over 120 months that lands somewhere between about $200 and $336 a month, depending on the rate you are offered. Stretch the same $15,000 to 180 months and the low end comes down to roughly $163 a month, though you pay more interest across the life of it.
An example, not an offer. Your rate is set by the lender off your credit and the amount, so the only way to learn yours is to prequalify. It takes a couple of minutes and does not affect your score.
We generate your Fastlane link in our office and text it to you, usually the same business day. Prequalifying is a soft credit check and does not affect your credit score. Subject to credit approval.
For money that is already coming
For qualified buyers we can push the first payment out six or nine months. It fits one situation well: you know money is arriving, an insurance settlement, a closing, a bonus, and the roof will not wait that long. Get it handled now, start paying when the money lands.
Read this part before you ask for it. A deferral is not an interest free period. Interest accrues during the months you are not paying and gets added to what you owe. If you plan to pay the balance over years rather than clear it in a lump, a standard plan almost always costs you less, and we will show you both so you can see the difference instead of taking our word for it.
Take the same $15,000. After a six month deferral it runs around $310 a month over 120 months, and the balance you are paying down is larger than $15,000, because interest kept accruing through the months you were not paying.
An example, not an offer. Your rate is set by the lender, and we will quote this plan and a standard one side by side so you can see the total cost of each.
Equity rich and credit limited
Property assessed financing through Ygrene. The program looks harder at your equity and your tax payment history than at your credit score, which opens a door for homeowners a lender would otherwise turn down. It is also the most expensive and the least flexible option on this page, and we would rather tell you that here than after you sign.
What you are actually agreeing to. A PACE assessment is a non ad valorem assessment collected on your annual property tax bill, and it takes first priority over the existing liens on your property, including your mortgage. If the tax bill goes unpaid the remedies are property tax remedies, which are harsher than ordinary loan default. The assessment runs with the property, and most mortgage lenders require it cleared when you sell or refinance. Your mortgage holder may need to consent first.
It is not a government assistance program, a grant or a rebate. Residential availability in Palm Beach County depends on local ordinance and on the program's current status, so we confirm eligibility by address before anyone signs anything.
Ygrene sets the rate and the term, and both vary by program and by property. We are not going to publish numbers we cannot stand behind, so ask us and we will get the current ones for your address before you start an application.
Ygrene runs its own application and its own approval, and that link leaves our site. We are not paid by Ygrene to send you there.
All three side by side. Tap any row label for what it actually means.
| Pay over time | Deferred start | Property assessed | |
|---|---|---|---|
| What it is | A loan you repay monthly | The same loan, first payment pushed out | An assessment on your property tax bill |
| Lien on your home | None | None | Yes, ahead of your mortgage |
| Credit | Soft check to see your options | Soft check, then a tighter approval | Equity and tax payment history weigh more |
| Interest | Accrues from the start, fixed payment | Accrues during the deferral too | Built into the assessment, set by the program |
| If you sell or refinance | The loan stays yours and moves with you | Same, it stays yours | Usually has to be paid off first |
| If you fall behind | Ordinary loan collection | Ordinary loan collection | Property tax collection, up to a tax certificate sale |
| Amount | $3,000 to $100,000 | $3,000 to $100,000 | Varies by equity and program |
| Down payment | None required | None required | None required |
| Rate | 10.24% to 24.49% APR | 21.99% APR after the deferral | Set by the program, confirmed by address |
| Term | 60 to 180 months | 120 months after the deferral | Set by the program, usually long |
| Usually right for | Most homeowners | Money you know is coming | Equity rich with limited credit options |
Every figure on this page is an example. Nobody can tell you your rate without an application, because the lender sets it off your credit and the amount borrowed. Prequalifying takes a couple of minutes, uses a soft credit check that does not affect your score, and is the only way to find out what yours actually is. All financing is subject to credit approval.
Still torn? Tell us the situation and we will tell you which one we would pick, including when the answer is none of them.
A nonrenewal letter. Carriers across Palm Beach County are dropping policies over roof age, and the letters arrive with a deadline rather than a conversation. A financed roof closes that window exactly as fast as a cash roof, because we schedule off the signed estimate and not off when the money clears. Bring us the letter. We will tell you what the carrier is actually asking for, which is often less than it sounds like, and what it costs to satisfy.
An open claim. You do not have to wait on the adjuster. We price the work now, finance it now, build it now, and you settle up when the claim pays. Tell us the claim is open when you reach out, because it changes how we write the estimate.
There are real options for buildings, and they do not work like the three above. We can help you structure the financing, bring in insurance quotes alongside it, and put the whole thing on one page.
That page is the one that matters. What the monthly payment would actually be, set against what the association is already spending patching the roof and what it is paying in premiums to insure an old one. Those costs usually live in three different line items, which is why boards rarely see them together. Put them together and the real out of pocket number often looks very different from the one in the room, and sometimes it shows an assessment is not necessary at all.
We will come to a board meeting and build that comparison with you.
Before you fill anything out
No. Prequalifying uses a soft credit check, which does not affect your credit score. If you decide to move forward with a full application the lender may run a full credit check at that point, and we will tell you before that happens.
It comes to our office, not to a lender. Nothing is submitted anywhere and no credit is pulled by sending it.
Somebody here generates a secure prequalification link for you in the Fastlane portal and texts it to you, usually the same business day. Opening that link is where prequalification actually starts, and it is a soft credit check. You can also just wait and do it with us at the kitchen table when we come measure the roof.
Not on the first two options. Nothing is recorded against the property. The loan is yours, it follows you, and your house is not collateral.
Property assessed financing is the opposite, and it is the single most important thing to understand about it. It places an assessment on your property that takes priority over your mortgage. That is why we put it third and why we do not recommend it to most people.
The price is the same either way. We do not mark a project up because somebody chose to pay monthly, and the estimate you sign is the estimate you would have signed if you were writing a check.
Qualifying
There is no single cutoff we can print, because the lender prices across a range rather than approving or declining at one number. What we can tell you is that a thin file or a past problem does not automatically end the conversation, and that household income counts, so a second income in the home can carry an application that one profile could not. The soft check takes a couple of minutes, costs nothing, and is a faster answer than anyone can give you in writing.
Often yes. Household income is accepted, which is the reason this works for people a bank turned down. If monthly payments do not come back the way you want, property assessed financing weighs equity and tax payment history more heavily than credit, and we will walk you through what it costs before you consider it.
No. The lender may ask for documentation of income, which looks different for a 1099 earner than for someone with pay stubs, but seasonal and self employed income is normal here. Tell us up front and we will set expectations on what they are likely to ask for.
The lender tells you why, in writing, and you are entitled to that reason. Nothing changes between us. We will still do the work, and we will talk through the other options on this page, a smaller scope that handles the urgent part first, or simply a payment schedule. A decline on one product is not a decline on the roof.
Prequalifying needs nothing. A full application can ask for proof of identity, proof of income, and proof that you own the property. We will tell you the list before you start rather than after.
The money
A repair. Our minimum is $3,000, so a leak repair, storm damage, or one failing slope qualifies exactly the same way a full replacement does. This is the thing most homeowners never ask about, and it is why people pay out of pocket for a patch and then get hit again the next season.
Below $3,000 financing is not available, and honestly at that size it rarely makes sense. Call us anyway. Small repairs are the bulk of what we do, we will price it, and if the right answer is to handle it now and plan the bigger work for later, we will say that.
Terms run from 60 months up to 180 months. Longer terms lower the monthly payment and raise the total interest you pay, and shorter ones do the reverse. You choose. We will show you both so the tradeoff is in front of you in numbers rather than in a sentence.
Ask us and we will confirm it in writing on your estimate before you sign.
Yes, and it is a common reason people use this. We price the work, you finance it, we build the roof, and you settle up when the claim pays. Tell us the claim is open when you reach out, because it changes how we write the estimate.
No, and anyone telling you otherwise is selling. Interest accrues during the deferral and is added to your balance. It is a good tool when you know money is arriving on a date and the roof will not wait, and a poor one if you simply want to put off thinking about it. Ask and we will quote a deferred plan and a standard plan side by side with the total cost of each.
Your property and your situation
On the first two options the loan is yours and goes with you. There is nothing attached to the property for a buyer or a title company to deal with. With property assessed financing it is the reverse, and the payoff usually has to be settled at closing.
Often yes, and it is worth asking rather than assuming. Because the loan follows you rather than the property, a non owner occupied roof is not the obstacle people expect it to be. Tell us it is a rental when you reach out so we quote it correctly the first time.
Usually within 48 hours, and faster when there is active water coming in. If you have a leak right now, call (561) 737-7507 rather than filling out a form. There is an answering service after hours.
Yes. Stopping the water is a separate job from replacing the roof and it does not wait on anyone's paperwork. We handle emergency and storm response, and we will deal with the leak first and the financing after.
Monthly payment plans and deferred start plans are provided by our lending partner Fastlane, NMLS 2553773, with loans made by Customers Bank, NMLS 699996. Property assessed financing is through Ygrene. Ron Bell Roofing LLC is a roofing contractor, not a lender, not a broker, and not the holder of your loan. Credit decisions are the lender's and not ours.
The payment conversation comes after you know what the work costs. Five quick questions, about two minutes, and it is not a credit application.
About these financing options. Ron Bell Roofing LLC is a licensed roofing contractor, Florida CCC1336681. We are not a lender, a broker, or a financial advisor, and we do not make credit decisions, set rates, or hold loans. All financing is subject to credit approval by the lender. Not every applicant will qualify, and not every amount, rate or term shown on this page is available to every applicant. Credit decisions, including any decision to decline, are made by the lender, and applicants may be asked to document income, identity and ownership of the property.
Monthly payment plans and deferred start plans are provided by our lending partner Fastlane, NMLS 2553773, with loans made by Customers Bank, NMLS 699996, Member FDIC. On a deferred start plan, interest accrues during the deferral period and is added to the balance. Payment figures shown on this page are illustrations only, are not an offer of credit, and do not reflect any specific loan terms. Your rate, term and payment are determined by the lender.
Property assessed clean energy (PACE) financing is provided through Ygrene and is not a loan from Ron Bell Roofing. A PACE assessment is a non ad valorem assessment collected on your annual property tax bill and takes priority over existing liens on the property, including your mortgage. Nonpayment is subject to property tax collection remedies. The assessment runs with the property and mortgage holders may require consent or payoff on sale or refinance. Closing and administrative costs apply. PACE is not a government assistance program, grant or rebate, and residential availability depends on local ordinance and program status. Eligibility is confirmed by property address.
Condo and homeowner association financing is arranged through an independent third party lender and is underwritten at the association level. Terms, eligibility and approval are set by that lender and not by Ron Bell Roofing.