Ask us about same-day approvals and easy application options.

How roof financing works

Estimate first. We inspect the roof and give you a written estimate. The amount you apply for comes from that estimate, so you know what the loan covers.
Application. You apply with the lender, and we supply the project details it needs. Financing options, when offered, are subject to third-party lender approval.
The lender’s decision. The lender reviews the application and sets the amount approved, the rate, the term and the monthly payment. Those terms are in the lender’s agreement, which is separate from our roofing contract.
The roofing contract. You sign our written contract for the work. Residential projects come with a three-day right to cancel after signing.
The work. The roof is installed, the permit is closed, and payments follow the schedule in the contract and in the lender’s agreement.

One state rule protects you whichever way you pay: California limits the down payment a contractor can ask for on a home improvement job to 10 percent of the contract price or a thousand dollars, whichever is less. The Contractors State License Board explains the rule and its one exception, for contractors with a blanket performance and payment bond on file.

Why finance your roof

Low, manageable monthly payments

No large upfront investment

Upgrade your home immediately

Improve energy efficiency and reduce utility bills

Flexible options for various credit profiles

Fast approvals with simple paperwork

Financing makes the most sense when the roof cannot wait: an active leak, a failing underlayment, or a sale or refinance that needs a sound roof. If the roof has a few good years left, planning the replacement and saving for it costs less in interest.

What you can finance

A full roof replacement: tear-off, deck repair and a new shingle, tile or flat roof
Larger roof repairs, such as rebuilding flashing or replacing a damaged section
A flat roof replacement or re-cover, including the roof insulation the Energy Code can require on low-slope roofs
Lifting a tile roof to replace the underlayment and resetting the tiles

Whether a given project or amount qualifies is the lender’s decision, so ask before you plan around it.

What to have ready when you apply

Each lender sets its own list, but these are the items lenders commonly ask for:

The written estimate, with the project scope and total
A government-issued photo ID
Income information, such as recent pay stubs or tax returns
The property address, and proof of ownership if the lender asks for it
Your current monthly housing costs

Questions to ask before you sign a financing offer

What is the APR, and is it fixed for the whole term?
How many months is the term, and what is the total you will pay over the life of the loan?
Is there a promotional period, and what happens to the interest if the balance is not paid off by the end of it?
Is there a penalty for paying the loan off early?
Is the loan secured by your home, or unsecured?
Does choosing financing change the price of the roof?

Get the answers in writing from the lender. Our contract covers the roof; the loan agreement covers the money, and you should read both.

Other ways Los Angeles homeowners pay for a roof

Savings. No interest to pay, and planning a replacement before the roof fails avoids paying for emergency repairs on top of it.
A home equity loan or line of credit. Borrowing against the house often carries a lower rate than unsecured financing, but the home is the collateral and approval usually takes longer.
A cash-out refinance. Mainly worth it when you are refinancing the mortgage anyway.
Homeowners insurance. Policies generally cover sudden damage, such as a fallen tree or a roof torn by wind, and not wear and age. Read your policy and call your insurer before work starts; photos of the damage help the claim.

To understand what you are financing, our roof replacement cost guide explains what drives the price of a new roof.

Why homeowners trust us

25 Years of Experience

Transparent pricing, no hidden fees
CSLB Lic. #1147688, general liability & workers’ comp insured
Residential & commercial expertise
High-quality materials and trusted brands

CSLB Lic. #1147688, general liability & workers' comp insured

Experienced and trained professionals

Honest pricing & clear communication

High customer satisfaction & referrals

Committed to quality craftsmanship

We maintain all required state and local licensing to ensure your project meets code, safety, and quality standards. Our leadership personally oversees projects to guarantee honesty, workmanship, and customer satisfaction every step of the way.

You can confirm our license yourself: enter license number 1147688 on the CSLB license check to see the C-39 Roofing classification, the contractor’s bond and the workers’ compensation policy on file with the state.

See Why Customers Choose Our Professional Services

Explore genuine Google reviews from our satisfied customers and discover why they trust our team for reliable solutions, quality workmanship, and exceptional service.

      EXCELLENT  
   Based on 24 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Damaris Barrios 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very happy with the service. They were on time, professional, and got the roofing repair done quickly. Good communication, fair price, and they cleaned everything up afterward. Would definitely recommend them.
  
 
      Posted on Google  
   
   Shani Dayan 
 
 
 
 Trustindex verifies that the original source of the review is Google. From start to finish, Amit was extremely professional, communicative, and a pleasure to work with. Amit kept me informed throughout the entire process and made everything feel smooth and stress-free. His attention to detail and commitment to excellent service truly stood out. I highly recommend them to anyone looking for a reliable and professional company!
  
 
      Posted on Google  
   
   Emma Benyishay 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amazing service! Highly recommend and would use again. Great experience from start to finish! The team was professional, reliable, and easy to work with. They showed up on time, explained everything clearly, and made sure the job was done properly. The quality of the work was excellent, and they kept everything clean and organized throughout the process. It’s clear they really care about their customers and take pride in their work. I would definitely recommend them to anyone looking for a trustworthy roofing company!
  
 
      Posted on Google  
   
   Roni Feldman 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience with the roofing team. They were professional, punctual, and did an excellent job from start to finish. The work was completed efficiently, the quality was great, and they left the property clean when they were done. I really appreciate their attention to detail and communication throughout the job. I would definitely recommend them to anyone looking for reliable and professional roofing services.
  
 
      Posted on Google  
   
   Ron Basson 
 
 
 
 Trustindex verifies that the original source of the review is Google. They did an amazing job. Finished the roof from A-Z with no complications. Everything went great and was the best price I received.
  
 
      Posted on Google  
   
   Adi Meirson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Pleasure service , thanks for the team for wonderful service , I really highly recommend
  
 
      Posted on Google  
   
   Savana D 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had a leak in our house, and Amit was incredibly helpful in getting the situation taken care of. They responded quickly, were professional, knowledgeable, and made a stressful situation much easier to deal with. Everything was handled efficiently, and we really appreciated the great communication and service throughout the process. I would definitely recommend Knee to anyone dealing with a leak or water damage. Thank you for all your help!
  
 
      Posted on Google  
   
   Orel Wallela 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience from start to finish. Amit was professional, honest, and very easy to work with. The roofing work came out great and everything was done on time. Definitely recommend Amit and his team!
  
 
      Posted on Google  
   
   Eden Benhamo 
 
 
 
 Trustindex verifies that the original source of the review is Google. My third time Using AA for my properties and each time they delivered exactly what you should expect from a professional roofing company. Good communication, supper efficient in their work and very attentive to detail. I definitely recommend
  
 
      Posted on Google  
   
   BEN SHARABI 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you for the great experience. My roof looks amazing and service was quick and clean.

Roof Financing in Los Angeles