Roof Financing in Hudson, Tampa & the Tampa Bay Area

Yes. We offer roof financing options through a third-party financing partner so qualifying homeowners can compare available lender offers before deciding how to move forward.

You enter basic project and contact information, then review available lender offers and estimated monthly payment options. Final terms, rates, loan amounts, and approvals are determined by the lender.

Checking offers is designed as a soft credit inquiry. A hard inquiry may occur only if you choose to move forward with a specific lender offer, and the lender will disclose the required steps before you commit.

Roof replacement cost depends on roof size, pitch, decking condition, roof system, code requirements, access, and material choice. The only way to know your actual price is to schedule a free inspection and written estimate.

Monthly payment depends on the project amount, approved loan amount, rate, and term offered by the lender. The financing application can show estimated payment options for your specific project before you decide.

Available offers depend on lender review and borrower qualifications. Because the application can compare multiple lender options, it may help homeowners understand what financing choices are available for their situation.

Some lender offers may include low-upfront-payment options for qualified borrowers. Availability depends on lender approval, project amount, credit profile, and the specific offer selected.

Review timing depends on the lender and the information provided in the application. Some reviews may happen quickly, but approval and funding timelines are controlled by the lender.

Some financing options may be unsecured and may not require home equity. Terms vary by lender, so compare your actual offers and disclosures before choosing a financing option.

A HELOC, personal loan, credit union loan, or contractor-connected financing option may each make sense depending on your equity, credit profile, timing, and total cost. Compare actual terms, fees, rates, and repayment details before deciding.

PACE (Property Assessed Clean Energy) financing is repaid through an assessment added to your property tax bill. It’s legal in parts of Florida, but repayment terms and effects on selling or refinancing your home deserve careful review. We recommend comparing PACE terms against standard loan offers before committing.

Financing may be available for repairs as well as full replacements, subject to lender minimums and borrower qualifications. If the repair is small, ask our office about the simplest payment option.

Financing options for commercial projects can vary by lender and project type. Call our office to discuss your building and the best next step.

Insurance may cover sudden accidental storm damage, but it typically does not cover normal wear, aging, or maintenance. If storm damage may be involved, we can document visible roof conditions and help you understand the roofing side of the process.

No — and no honest Florida roofer can. Florida law (Statute 489.147) makes it illegal for a contractor to pay, waive, or absorb an insurance deductible. You must pay your deductible, but you can finance your out-of-pocket portion through the application on this page. Any roofer who offers to ‘eat your deductible’ is breaking the law.

It’s a state program that has offered inspections and matching grants to strengthen Florida homes against hurricanes, including certain roofing improvements. Funding availability changes by legislative cycle, so check the current status at mysafeflhome.com — and ask us how a wind-mitigation-focused roof can qualify.

A new roof may help with insurability or wind-mitigation credits, depending on your carrier, policy, roof features, and inspection results. Ask your insurance agent what documentation they require after the roof is completed.

A properly installed new roof can improve curb appeal, buyer confidence, and insurability. Actual resale value depends on the home, market conditions, roof system, and buyer expectations.

Terms vary by lender and offer. Review the actual rate, term, payment, fees, and disclosures for each offer before selecting a financing option.

The financing application is provided by a third-party financing partner over its own secure process. Review that partner’s privacy policy, terms, and lender disclosures before submitting sensitive information.

Yes. Ken Phillips personally holds Florida Certified Roofing Contractor license CCC1327354 and Florida Certified Building Contractor license CBC1253663. Both can be verified through Florida DBPR at myfloridalicense.com.

We serve Pasco, Hernando, Hillsborough, and Pinellas counties from our headquarters at 7837 Rhodes Rd, Hudson, FL 34667 — including Hudson, Spring Hill, New Port Richey, Port Richey, Brooksville, Tampa, and surrounding communities. Call (727) 847-7663 or email info@1stchoiceroofers.com.