Roof Financing in Hudson, FL & Tampa Bay

Yes. We offer roof financing through our partner Enhancify, which lets you compare personalized offers from multiple lenders in one short online application. Options include no-money-down plans and same-day decisions for qualified applicants.

You enter basic information (name, contact, project amount), and the application matches you with offers from a network of lenders. You can see estimated monthly payments and compare terms side by side before choosing anything.

No. Checking your offers uses a soft credit inquiry, which does not affect your credit score. A hard inquiry occurs only if you accept a specific loan, and the lender will disclose that before you commit.

Most asphalt shingle roof replacements in the Pasco/Hernando area fall roughly between $10,000 and $25,000, depending on roof size, pitch, decking condition, and material choice. Tile and metal roofs cost more. The only way to know your exact number is a free inspection and written estimate — call (727) 847-7663.

It depends on your loan amount, term, and rate. The application on this page shows your estimated monthly payment for each offer before you commit, so you can see real numbers for your specific project — not a generic calculator guess.

Often, yes. Because the application matches you with multiple lenders rather than a single bank, there are options across a wide range of credit profiles. The fastest way to find out is to check your offers — it takes two minutes and won’t affect your score.

Yes. Many of the lender offers available through our application require no money down, allowing you to start your roof project with zero out of pocket and pay monthly.

Many lenders in the network provide decisions the same day — often within minutes of completing the application. That means storm damage and urgent repairs don’t have to wait on financing.

No. Most offers through our application are unsecured personal loans, which means you don’t need home equity and there is no lien on your house. That also makes them faster to close than a HELOC.

A HELOC may offer lower rates if you have significant equity, but it takes weeks to close and puts a lien on your home. Unsecured financing through our application closes in days with no lien. Compare your actual offers against your bank’s HELOC terms and choose what’s cheaper for you.

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.

Both. Financing is available for repairs as well as full replacements, subject to lender minimum loan amounts. If your repair is small, ask our office about the simplest payment option — (727) 847-7663.

Yes. 1st Choice Roofing handles both residential and commercial roofing across Pasco, Hernando, Hillsborough, and Pinellas counties, and financing options exist for commercial projects. Call our office to discuss terms for your building.

Insurance covers sudden, accidental damage — like hurricane or wind damage — not normal wear and aging. If a storm damaged your roof, we document the damage and help you through the claim process. If your roof is simply old, financing is usually the right path.

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.

Often, yes — and sometimes substantially. A new roof with current Florida Building Code wind mitigation features (sealed roof deck, proper nailing, hurricane straps) can earn significant premium credits. After your roof is complete, a wind mitigation inspection (Form OIR-B1-1802) documents those features for your insurer.

Yes. A new roof improves resale value, appraisal outcomes, and insurability — in Florida, many insurers now decline to write or renew policies on roofs over 15–20 years old, so a new roof can be the difference between getting coverage and not.

Terms vary by lender and offer, ranging from shorter promotional terms to multi-year fixed payment plans. Your application results show the exact term, rate, and monthly payment for each offer so you can compare directly.

Yes. The application is provided by Enhancify, our financing partner, over a secure encrypted connection, and includes the lender network’s advertiser disclosure. 1st Choice Roofing never sees or stores your Social Security number or banking details.

Yes. We hold two Florida licenses: Building Contractor CBC1253663 and Roofing Contractor CCC1327354. Both are verifiable through the Florida DBPR at myfloridalicense.com. We are fully insured, and every employee is drug-tested and background-checked.

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.