new shingle roof

4 Ways To Help Pay For Your Roof Repairs Or Even A New Roof

Roof repairs can be expensive and getting a new roof seems out of reach of many people, especially during these uncertain economic times. The thing is, your roof is a critical component of your home and thus there are several ways to get the repairs you need so it doesn’t get any worse.

The longer a damaged roof goes unrepaired, the more damage it causes not only getting more expensive but putting your home, and everything inside of it, at risk. It needs to be fixed, even if it means a new roof, pronto. But if money is holding you back, consider the following:

Loans From Non-Profits

Homeowners with great credit have numerous options when it comes to loans but what about the rest of us? The good news is, with some “Googling” you’re likely to find any number of local non-profits that help low to middle class homeowners with repair costs even if they’ve been rejected by a bank or have less-than-great credit.

Note that these loans are for infrastructure repairs only. None of the money acquired through most of these programs can be used for anything other than the needed repair.

Neighborworks is one of these programs that offer these special loans throughout the country (including Georgia!). Should you be in need of such a loan, feel free to check them out and look around the internet for others.

In House Financing

Some roof contractors have arrangements with financial institutions or offer in-house financing to help pay for your roof. Most will likely require higher credit scores but it doesn’t hurt to ask!

Refinancing Your Home

Specifically with the Federal Housing Administration 203k refinance loan. This program allows homeowners to consolidate their existing mortgage and the costs of a renovation or repair project. As long as you are using it for needed repairs and not a new pool or deck you have a decent shot at qualifying! Your local mortgage lender can help you with more information and to apply.


There are grants, such as the Very Low-Income Housing Repair Program offered by the USDA, which provides loans and grants to repair, improve and even modernize homes!

The Rural Housing Repair and Rehabilitation Grant is also available to Seniors (62+) and can be used for repairs to make your home safer, healthier or even to make accessible to those with disabilities!

When it’s time to repair or replace your roof, know your options, you may be able to get what you need for less than you thought!

Atlanta Roofing Specialists has been helping Metro Atlanta homeowners get the roof repairs they need since 1993. Call us at (770) 419-2222 for your estimate today!

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