Roof Financing Made Simple
Spread the cost of your roof over comfortable monthly payments. Choose from equity‑based (house‑secured) or credit‑based plans — both with fast approvals and clear terms.
YGrene Financing (Equity‑based)
House‑secured. Payments typically included in your property‑tax bill.
- Fixed rate throughout the term
- Simple escrow alignment when payments begin
- Fast approvals with property‑tax history
- Secured by your home
How eligibility works
- No bankruptcies in the last 3 years
- No late property‑tax payments in the last 3 years
- Sufficient home equity to cover the project
Subject to approval and municipal availability. Terms may vary.
Service Finance (Credit‑based)
Signature loan with flexible terms. No lien on your property.
- No property lien
- Same‑as‑cash and deferred‑interest promos
- Popular 10‑ and 15‑year fixed terms
- Quick application with credit check
How eligibility works
- Basic identity + credit
- Estimated project total
- Income/employment basics
Final terms provided in loan documents. Promos subject to lender programs.
Which option fits me?
- Want no credit check? YGrene’s equity‑based program focuses on your home equity and tax payment history.
- Prefer a traditional loan? Service Financing offers same‑as‑cash and fixed‑term choices.
- Need time before payments start? YGrene offers 18–24 month deferral.
What to expect
- We help you pick the best program for your situation
- Quick application (phone or online)
- Approval and documents
- We schedule your project
Questions?
Our team has helped Sarasota homeowners finance roofs for decades. We’ll walk you through monthly payments, timelines, and total costs — candidly and clearly.
| 12-Month Same-As-Cash | $1,250/mo |
| 10-Year @ 9.99% | $198/mo |
| 15-Year @ 7.9% | $142/mo ≈ $96 per $10k |
| YGrene (8.9% • est. after deferral) | $151/mo |
Estimates only. Not a credit offer. Promo terms, deferral windows, and final payments are set by the lender.
Do you have home equity and a clean recent property-tax history?
Do you prefer a loan that does not place a lien on your home?
Would a payment deferral (~18–24 months) help?
Is your credit score roughly 650+?
Can you document income/employment for underwriting?
Are you comfortable with an assessment on your property tax bill?
Are you likely to sell your home within ~5 years?
Answered 0/7. For best results, answer all.
What you’ll need
YGrene (Equity‑based)
- Driver’s license (all property owners)
- Property address & parcel details
- Mortgage/escrow info (if applicable)
- Property‑tax history (no late payments in last 3 years)
- Confirmation of sufficient home equity
Service Financing (Credit‑based)
- Driver’s license
- SSN (for credit application)
- Estimated project total
- Income / employment basics (quick verification)
- Email + mobile for e‑docs
Not sure? We’ll walk you through it on a quick call.
Rates, terms, and eligibility subject to change and based on lender approval. SonShine Roofing is not a lender. Program availability may vary by municipality. Final terms will be provided in your financing documents.
Financing FAQs
Is there a pre‑payment penalty?
No — you can pay off early without a fee.
Does financing delay my project schedule?
No. Once you are approved and documents are signed, we can schedule just like a standard cash project.
Is PACE (YGrene) transferable if I sell my home?
In many cases, PACE assessments can transfer to the new owner at sale, but transferability depends on your buyer, lender, and local rules. We can help you review options before you list.
How fast can I get approved?
Although it’s not guaranteed, many approvals happen the same day. We’ll guide you through the simple steps.
Can I combine roof work with upgrades like skylights or ventilation?
Yes. Financing can include related improvements such as skylights, attic ventilation, gutters, or insulation.
Can I finance my insurance deductible?
Yes. Many customers use financing to cover deductibles or portions of a claim not covered by insurance.
Do these programs cover repairs as well as replacements?
Yes. Financing can be used for repairs, replacements, or upgrades like skylights and ventilation improvements.
Will financing affect my warranty?
Nope. Your manufacturer and workmanship warranties are the same regardless of payment method.
