Financing
Pay for your roof without draining savings.
Most Cali #1 homeowners finance some or all of their roof project. We work with lending partners who specialize in California home improvement — same-day approvals, fixed terms, no prepayment penalties.
OPTIONS
Three ways homeowners pay.
Home equity line of credit (HELOC)
For homeowners with significant equity. Variable rate, interest-only payments during draw period, often tax-deductible. Best for $25K+ roof projects.
Home equity loan (fixed)
Fixed rate, fixed monthly payment, predictable payoff over 10–20 years. Best when you want certainty and aren't planning to refinance.
Promotional home improvement financing
Through Cali #1 lending partners — 0% intro rates for qualified borrowers, terms up to 84 months. Same-day approvals, no equity required. Best for $8K–$45K roof projects.
HOW IT WORKS
We handle the application alongside the plan.
When we deliver your Written Roof Assessment & Estimate, we include a financing summary based on the total project price. If you want to use a lending partner, we hand you the application — you fill it out, the lender approves (usually same-day), and we start construction.
Cali #1 doesn't earn commissions on lending. We pass you through to lending partners who specialize in California home improvement; the rate you get is the rate they offer. CSLB #1130729.