Roofing Loans and Roof Financing

Roofing Loans and Roof Financing

Roofing Loans can be an Affordable Option if your Roof Needs to be Repaired or Replaced

If you need to repair or replace your existing roof, you may want to look at different types of Roofing Loans to help you finance and spread the payments of your new roof out over time. Financing a roof can add value to the home, as well as give it more beauty.  There are many types of roofs that a homeowner can pick from.  One may wish to use a metal roof, or have tiles installed or even prefer roof shingles.

A metal roof adds classic beauty to a home.  Many are going with metal roofs because of the benefits that a homeowner can reap from them.  This type of roof is also referred to as a tin roof or standing seam metal roof.  These roofs are very energy efficient.  They come in a variety of colors, thus allowing the homeowner to even further customize the uniqueness of a home. They also come in a variety of styles, as well as patterns and designs.  They are designed to be fire resistant with a class A rating, and can withstand high winds. They are hail resistant as well as freeze resistant.

Roofing loans can also be called upon when your roof needs to be replaced at an unexpected time. Metal roofs also last much longer than most roofs.  They are made of recycled materials that will last much longer than a non-metal roof.  And if a homeowner decided to ever replace a metal roof, the metal may be recycled when torn off.These roofs have very low maintenance as well.  They will not crack, rot, warp, blow off, break, chip, peel or split. Usually these roofs that are made from stainless steel, copper or zinc only require maintenance if the roof was not installed correctly.  It is not uncommon for these roofs to last over 100 years.   Metal roofs are very lightweight, about one third or less of fiberglass or asphalt shingles.

Having one of these roofs installed can save big on the pocketbook.  They are designed to keep the air conditioning and heating bill lower.  And installation is very easy.  They can simply be replaced over your existing roof so there is no messy tear off.

Many do not realize that if a metal roof is installed, it can save on homeowner’s insurance as well.  One would need to discuss this with their insurance company, but many times a insurance company will offer a discounted rate for a metal roof.Many homes have roof shingles.  There is a wide variety of roofing shingles.  Asphalt shingles are the most commonly used ones.  They have a life span of 20 to 30 years and are reinforced with either paper or fiberglass.  To repair, a shingle may be stuck back down with some roofing cement.

There are also laminated shingles,  which were made to add color and depth to a roof, as well as style.  These are becoming quite popular over the last few years. Some kinds of laminate shingles look more expensive in the distance.If you want to remain environmentally friendly, a great choice of shingles to make are rubber ones.  These are made of recycled materials such as PVC pipe.  They have a lifespan of 30 to 50 years.

Solar shingles are powered by sunlight so they will not work in every location. With solar shingles you will always have a source of energy.  However these shingles are very costly and only have a lifespan of up to 20 years.Stone shingles are also referred to as slate shingles.  They are very durable but quite heavy. They do tend to break easily, so if you are accident prone, you may wish to leave this project to hired help. Wood shingles and shakes round out the types of roofing shingles.  Wood shingles are smooth on both sides, while shakes are only smooth on the back and have a texture on the front. These shingles can warp, splinter or shrink, and usually last up to 30 years.Tile shingles are great for a home that is not on a budget.  These shingles can cost up to 3 times as much as other shingles.  They are great for homes that are not in too wet or too cold of a climate.

If your roof needs to be repaired, you may wish to do it yourself if you have skills in this area. Or else leave it to a roof repair service.   If you hire someone to fix the problem for you, you can rest assured that the rest of your home will be protected since it is essential to have a roof that is worry free.There are so many roofing choices on the market today that a homeowner can really customize how they wish the home to look.  Gone are the days when only a few choices were available.  It has become easier than every to become more energy efficient with different kinds of shingles.  Each homeowner can decide what is right for them and their family based on where they live and how much they want to spend.