Financing
Roof financing: get the roof you need now and pay over time.
True North Roofing offers financing through Hearth for roof replacements, repairs, metal roofs and gutters. You can see the loan offers you prequalify for without affecting your credit score, then pay a fixed amount every month.
- Soft credit pull to see your options
- Offers from several lending partners
- Fixed monthly payments, no adjustable rates
- No prepayment penalties
- Borrow all of the project or only part of it
Why finance a roof instead of patching it
A roof that has reached the end of its life does not get cheaper to fix. Every patch on a failing roof buys a season at most, and the water that gets past it rots the decking you will pay to replace later. Financing lets you put on a complete system now, whether that is an architectural shingle roof or a standing seam metal roof, and spread the cost over manageable monthly payments.
For scale: in 2026, a shingle replacement on a roof of about 2,000 square feet in Western North Carolina generally runs $9,000–$18,000, and standing seam metal $18,000–$28,000+. Your proposal is line-itemed, so you finance a number you can see, not a lump sum.
These are typical installed-cost ranges in our area for 2026, for planning only. They aren't a quote. Your price depends on your roof's size, pitch, condition and material, and you get it in writing after a free inspection.
How it works
- Get the line-itemed proposal. We inspect the roof and give you three options with every line priced, so you know the exact amount you might finance.
- Check your options with Hearth. Prequalifying takes a few minutes online and uses a soft credit pull, so looking at your offers does not affect your score.
- Compare the offers. Hearth shows loan offers from several lending partners side by side: amount, term, rate and fixed monthly payment.
- Choose and schedule. Only when you pick an offer and finish the application with that lender does a hard credit check happen. Then we put your roof on the calendar.
Financing is provided by Hearth’s lending partners, not by True North Roofing. Rates, terms and approval depend on your credit and the lender.
Financing questions
No. Hearth uses a soft credit pull to show the offers you prequalify for, which does not affect your score. A hard inquiry only happens if you choose a specific loan and finish the application with that lender.
Yes. Hearth’s lending partners do not charge prepayment penalties, so you can pay off the balance at any time and save on interest. Check the terms of the specific offer you choose before you sign.
No. You choose how much to borrow: the whole roof, or just the gap between what you have on hand and the final invoice. Because every proposal is line-itemed, you can see exactly what each option costs before you decide.
Yes, financing can cover the out-of-pocket part of an insurance claim, including the deductible and any upgrades you choose. We never waive or absorb a deductible, because that is insurance fraud.
No. You apply directly with Hearth, which protects your data with encryption. True North Roofing does not store, process or see your Social Security number or financial details.
Not sure what the roof needs yet? Start with a free roof inspection, or read about roof replacement and metal roofing.