Completed roof replacement on a two-story home beneath a mature oak tree

Paying for your roof

A roof is a big check on short notice. When savings shouldn't carry it alone, here are five legitimate ways Houston-area homeowners finance one — ranked, explained in plain English, and matched to your situation below.

Get your written price Call (713) 449-7661
  • In writing your exact price before you borrow a dollar
  • 5 options from soft-check marketplaces to Texas home equity
  • 5–30 yrs loan terms available across these options
  • Local, and staying local.
  • Honest guidance.
  • A named project manager.
  • Roofs we stand behind.

Every price in writing, before you borrow

Financing only works when the number is real. The estimate we leave is itemized — shingle line, underlayment, decking allowance, warranty — and it's the price you pay. That's the amount you take to a lender, not a guess that grows after the loan closes.

How it works — three steps

  1. Get your exact number. Free inspection, itemized written estimate — same day you call. This is the amount you'd finance.
  2. Check your options. Start with a soft-check tool (no effect on your credit score), and compare two things: the monthly payment and the total you'll repay over the life of the loan.
  3. Pick, sign, schedule. Once your financing is approved, we put the install on the calendar — most roofs finish in a day.

If insurance is paying

Storm-damage replacements often run through your homeowner's policy — and then the loan question shrinks to your deductible and any upgrades. Two things Texas law makes non-negotiable: you pay your own deductible (contractors offering to absorb it are breaking the law), and replacement-cost policies typically pay in two parts — the depreciated value first, the remainder after proof of completed repairs. Our insurance claims guide walks the whole process.

Find your financing fit

Five options, ranked in the order most homeowners should try them — compare broadly first, then match the option to your credit and your home's equity.

What matters most to you?

Tap one — we'll point you to your match.

  1. Acorn Finance

    Start here ✓ Your match

    Best if: you want to compare real offers before deciding anything.

    One short form, many offers. Acorn is a comparison marketplace: it shows you personalized offers from its network of lenders — up to $100,000, with terms up to 20 years for qualifying borrowers — so you can see your real options side by side.

    Good to know: Checking your offers uses a soft credit pull, so your score isn't affected until you actually apply with a lender you picked.

    Compare offers

  2. LightStream

    Good–excellent credit ✓ Your match

    Best if: your credit is strong and you want your home kept out of it.

    A straightforward fixed-rate loan from LightStream (part of Truist) that never touches your house: no equity needed, no appraisal, no lien. Loans run $5,000–$100,000, with terms up to 20 years on larger home-improvement loans.

    Good to know: There's no preview step — applying is a full credit application — so LightStream fits best when your credit is strong and you're ready to move.

    Check options

  3. Frost Bank

    Texas bank ✓ Your match

    Best if: you want a long 15–20-year runway from a Texas institution.

    A Texas institution offering home-improvement loans secured by your home, with 15- and 20-year terms — the long runway that keeps the monthly payment low.

    Good to know: Frost discounts the rate for automatic payments from a Frost checking or savings account, and the property has to be in Texas.

    Explore Frost

  4. TDECU

    Texas credit union ✓ Your match

    Best if: you prefer a credit union and have equity in your home.

    A Houston-area credit union offering fixed-rate home-equity loans — including a 15-year option — on Texas primary residences.

    Good to know: Like every Texas home-equity product, total borrowing against your home is capped at 80% of its value. That's the state constitution, not lender policy.

    Explore TDECU

  5. Figure

    Larger projects ✓ Your match

    Best if: your project is $35,000 or more and you have solid equity.

    An online home-equity line (HELOC) with 10-, 15-, 20-, or 30-year terms and a mostly-online process. In Texas the minimum line is $35,000 — so Figure fits bigger roofs, or a roof plus other projects at once.

    Good to know: You draw the full amount at a fixed rate when the line opens, and can draw again as you pay the balance down.

    Explore Figure

Put a monthly number on it

The payment math below is exact — the rate is the part that's yours. Check your offers first (option #1 uses a soft credit pull), then slide in the rate you're actually quoted.

$15,000
$5,000 $100,000
15 years
5 years 30 years
%
3% 18%

The preset is an example only — your real rate comes from your offer or prequalification, and that's the one to enter here.

Estimated monthly payment

$152.14 /mo

Total interest
$12,385
Total repaid
$27,385

Same loan, other terms

10 yr · $190.01/mo 15 yr · $152.14/mo 20 yr · $134.96/mo

Principal and interest only — lender fees and closing costs aren't included. This is an estimate for planning, not an offer of credit or a quoted rate; your lender's figures govern. Nothing you enter here is saved or sent anywhere.

Northvale Roofing is a roofing contractor — not a lender, loan broker, or financial advisor — and lists these companies as a convenience, not an endorsement. Every amount, term, and feature above is set by the lender, is subject to credit approval, and can change; confirm current terms on the lender's site before applying. Details verified August 2026.

Financing questions, answered

Does checking financing offers hurt my credit score?

Prequalification — the “see your offers” step marketplaces like Acorn start with — uses a soft inquiry, which doesn't affect your score. A full application triggers a hard inquiry, which can trim a few points temporarily. The practical rule: compare with soft-check tools first, then submit a full application only where you actually intend to borrow.

Home-improvement loan vs. home-equity loan — which fits a roof?

A home-improvement (personal) loan is unsecured: approval rests on your credit, there's no lien on your home, and funding is fast — usually the simplest fit for a typical roof. A home-equity loan or HELOC is secured by the house, which usually means a lower rate and a longer term — a smaller monthly payment — but adds a lien, closing steps, and, in Texas, the constitutional cap of 80% of your home's value on everything borrowed against it.

Why does Texas treat home-equity loans differently?

The Texas Constitution gives homesteads unusual protection: everything borrowed against your primary residence can't exceed 80% of its market value, and home-equity loans only work on the home you live in. It's why Texas lenders like Frost and TDECU spell out rules you won't see in other states — and why a home with little equity may be better served by an unsecured loan.

Insurance is covering my roof — do I still need financing?

Often only for your deductible and any upgrades you choose. Texas law requires you to pay your own deductible — a contractor offering to “eat it” is breaking the law — and your insurer can require proof you paid it. Financing that out-of-pocket amount yourself is completely legal, and a small personal loan is a common way to do it.

Does Northvale offer financing directly?

We're roofers, not a lender — the loan is between you and the lender you choose. What we contribute is the part that protects you: an exact, itemized price in writing before you apply, so you finance the real number instead of an estimate that grows.

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