FINANCING
When you get a free estimate from Best Roofing Now, we’ll not only provide you with a detailed assessment of your roofing needs but also offer you a variety of financing options to make your project more manageable. We understand that a new roof is a significant investment, and that’s why we’ve partnered with Momnt to bring you a comprehensive suite of financing solutions designed to fit your unique financial situation.
One of the best things about our financing process is that it starts with a simple, soft credit check. This means we can determine your eligibility without affecting your credit score. It’s a hassle-free way to explore your options and find the plan that works best for you.
We believe that everyone deserves a quality roof over their head, which is why our financing options are available to a wide range of credit scores. If your credit score is 580 or above, you’re eligible for our financing plans. And if your score is 600 or higher, you’ll have access to even better terms.
So, what are your options? We've got you covered with a variety of plans:
- 5-year Plan at 5.99%: This competitive rate is spread out over 60 months, making it a popular choice for many homeowners.
- 12-year Plan at 11.99%: If you’re looking for lower monthly payments, this plan allows you to spread your costs over 144 months.
- 10-year Bad Credit Offer: We understand that life happens, and credit scores can take a hit. That’s why we offer a plan with rates between 14.99% to 20.99% for those with less-than-perfect credit.
- 12m No Interest/Yes Interest: This unique plan gives you 12 months of no interest, followed by 26.99% for the remaining 72 months.
- 10-year High-Rate Plan: Designed for challenging credit situations, this plan offers a 23.99% rate over 120 months.
- 6-month and 24-month No Payment/Interest Plans: These plans give you a break from payments and interest for either 6 or 24 months, followed by a personalized APR based on your credit.
We’re thrilled to have Momnt as our financing partner because they make the process easy and straightforward. When you’re ready to apply, we’ll send you a link to get started. From there, Momnt will work with you to find the best plan for your needs and budget.
At Best Roofing Now, we’re committed to providing you with top-quality roofing services and the financial flexibility to make your project a reality. We’re here to answer any questions you may have and guide you through the process from start to finish.
Don’t let financing concerns hold you back from the roof you deserve. Reach out to us today for your free estimate, and let’s explore your options together!
Understanding Credit Scores
Credit scores reflect your financial reliability, influenced by your payment history, credit usage, and more. A higher score can lead to better loan terms.
Reviewing Your Credit Report
Obtain free annual credit reports from major bureaus to check for inaccuracies. Regular reviews help you identify and correct errors promptly.
On-time Payments
Consistent, timely payments are crucial. Utilize automatic payment setups or set reminders to ensure you never miss a due date.
Reducing Credit Utilization
Lower your credit utilization ratio by paying down balances and managing new credit judiciously, which can positively impact your credit score.
Managing Debt
Explore debt consolidation, and methods like the snowball (paying off smallest debts first) and avalanche (targeting highest interest rates first) for efficient debt reduction.
Credit Building Tools
- Self Inc: Offers credit builder loans that help build credit scores by holding the loan amount in a CD while you make payments.
- Chime Credit Builder: A secured credit card with no annual interest or fees, promoting on-time payments without debt accumulation.
- Cred.AI: Utilizes artificial intelligence to offer personalized credit management advice, helping users make smarter credit decisions.
Avoiding New Hard Inquiries
Understand that hard inquiries from applying for new credit can lower your score. Apply sparingly and strategically.
Building a Positive Credit History
Enhance your credit by becoming an authorized user on another’s account or using a secured credit card responsibly.
External Resources
Visit CFPB or seek nonprofit credit counseling for deeper insights.
Closing Thoughts
Best Roofing Now is committed to supporting your financial journey, emphasizing the importance of good credit for all aspects of life.
Contact us at Best Roofing Now for more guidance or to discuss financing options suitable for your improved credit status.
