Roof Financing

$0 Down $ Financing Options Available!

Roof Financing in Tampa Bay, Florida

At Hometown Roofing and Construction, we know how important it is to have a roof that is long-lasting, weather-resistant, and energy-efficient. We also know that roof improvements can be a significant investment without roof replacement financing options. We’ve partnered up with Florida PACE and Hearth to give homeowners options for help funding an unexpected roofing emergency.

No Credit Check Roof Financing

Your roof is one of the biggest investments in your home, and it’s crucial that it can withstand the elements year-round.

Florida PACE and Hearth Financing provide no credit check roof financing so that homeowners can take care of necessary repairs and roof replacement services without having to worry about dipping into their savings.

Whether you choose Hearth Financing or the Florida PACE program, getting qualified for either program will not affect your credit score.

Qualifying for Roof Financing with the Florida PACE Program

Qualifying for roof replacement financing with Pace is quick and easy. Since there is no deposit required and no credit check required, you simply need to check a few boxes in order to qualify. The requirements for Florida PACE financing are as follows:

-You must be current on all mortgage payments for your property

-All of your property taxes must be paid and have not been delinquent for three years

-You have not had any notices of default in the previous three years

-You have no involuntary liens against your property

If you meet these requirements, you can apply for Florida PACE financing for a number of eligible roofing projects.

How Roof Replacement Works with PACE

PACE financing in Florida makes it easy to fund roof replacements for property owners in the Sunshine State. First, a property owner must qualify for Florida PACE funding. Once they’ve qualified, a property owner will sign a contract to replace their roof. Then, the property owner will choose a contractor like Hometown Roofing and Construction to replace their roof. Florida PACE only provides the funding, which allows the property owner to choose a trusted contractor to provide quality work.

Once a contractor has been chosen, PACE will create an agreement that promises to pay the contractor once the work has been completed. The property owner will be responsible for low, long-term payments that can extend as long as the roof is expected to last. This is typically around 20 years. Best of all, the interest rates are low with PACE financing, so you can take your time paying for your new hurricane-hardy roof.

PACE payments show up as assessments on the homeowner’s property taxes each year, which encourages private investors to participate in and fund the PACE program. This low-risk solution supports energy-efficient and hurricane-hardy homes for Florida property owners and offers a low-risk investment opportunity for private investors.

Qualifying for Roof Financing with Hearth

With Hearth, you can quickly and easily discover personalized monthly payment options for your project, all without any impact on your credit score. There are no prepayment penalties or home equity required, making it a hassle-free process.

Hearth offers loan amounts up to $250,000 and affordable monthly payment options to fit your budget.

You can expect funding within 1-3 days, and a pre-qualification can take less than 2 minutes.

Find the perfect monthly payment options for your project with Hearth, and see your personalized payment plans now without any worry about your credit score.

No Credit Check Roof Financing from Us

If you’re interested in learning more about our no-credit check roof replacement options, we’d be happy to answer your questions.

At Hometown Roofing and Construction, we offer a variety of roof replacement financing options to ensure that your roofing needs are met. 

Our family-owned business has over 22 years of experience in the industry, and we offer competitive pricing for roof replacement and repair. For more information on our roofing services and to get a free estimate, contact us today.

BBB Urges Businesses to Watch out for Storm Chasers after Hurricane Ian

Better Business Bureau warns businesses that in the aftermath of Hurricane Ian, watch out for storm chasers going door-to-door looking to take advantage of people.

The moments after a hurricane can feel overwhelming and leave many people with damage to their homes and/or businesses. Hurricane victims should never feel pressured to make a hasty decision or choose an unknown contractor. Make temporary repairs if necessary so you can take the time to choose a trustworthy contractor.

BBB’s Florida Hurricane Guide is a one-stop resource page to help Floridians prepare and recover from a hurricane. Within this hurricane guide, you will find guidance on disaster preparedness, recovery and repair, and how to avoid scams post-hurricane.
Get references. Get referrals from friends and relatives and check for ratings and reviews on contractors in the area.

Do your research. Local and national companies may both do a fine job with your storm damage repair needs, but if you choose to do business with someone who is not local, be sure to understand who will be taking care of any service needs that may arise after the completion of the project.

Learn about storm chasers. Storm chasers are businesses that follow storms in hope of a quick buck. Research anyone who offers you unsolicited assistance carefully.

Look for the BBB Accredited Business Seal and Hire a Licensed Professional. Any repair work performed on a home or a business should be completed by a licensed professional, always verify a contractor’s license by visiting or calling (850) 487-1395 and look for the BBB Accredited Business Seal to know those contractors are licensed, vetted and approved by BBB Standards of Trust.
Report Scams to BBB Scam Tracker. is a free Interactive tool for consumers to report scams and fraud while warning others of malicious or suspicious activity.
It’s unfortunate that, after every natural disaster, unscrupulous people prey on the victims of the storm in their time of need. Scams don’t just harm their immediate victims – they hurt all the businesses and consumers in the legitimate economy by undermining marketplace trust and diverting dollars to criminals and con artist. We are all at risk, but we can also be part of the solution by reporting scams to

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