Home Advisor Report
Roofing & financing guide
Sponsored home improvement guide

Homeowners Are Checking If Their Roof Qualifies for $0 Down

A growing number of financing programs are letting qualifying homeowners replace an aging roof with a durable metal system, with nothing due upfront. Enter your zip code to see what's available near you.

Check My Zip Code

Free to check. Takes about 60 seconds. No obligation.

Class 4 impact-rated roofing
Lifetime transferable warranty
Licensed local installers

Roof replacement has historically been one of the most expensive projects a homeowner can face — often running into five figures out of pocket. That's starting to change. A number of roofing providers now partner with third-party lenders to offer $0-down payment plans, which means qualifying homeowners can get a new roof installed before paying anything toward it.

Is your roof showing its age?

Roof damage isn't always obvious from the ground. These are the most common warning signs inspectors look for.

  • ✓Curling or cupped shingles
  • ✓Cracked or split shingles
  • ✓Moss or algae growth
  • ✓Granules collecting in gutters
  • ✓Missing or lifted shingles
  • ✓Dark streaking on the surface

Why metal is replacing asphalt shingles

Stone-coated steel systems are built to outlast two or three shingle roofs, which is changing the math for a lot of homeowners.

120 mphRated wind resistance
Class 4Impact resistance rating
1 dayTypical install time
LifetimeTransferable warranty

How the $0-down process works

  • 1
    Check availability
    Enter your zip code to see if $0-down financing is offered in your area.
  • 2
    Get a free estimate
    A local roofing specialist inspects your roof and provides a no-obligation quote.
  • 3
    Schedule installation
    If you move forward, most installations are completed in as little as one day.
  • 4
    Enjoy the coverage
    Your new roof is backed by a long-term warranty, with financing handled directly by the lender.
See If I Qualify

Free zip code check · No commitment

What homeowners are saying

"The crew finished in a single day and left the property spotless. I didn't expect it to be that painless."Recent customer, Ohio
"A neighbor asked who did our roof — she assumed it was regular shingles until I told her it was metal."Recent customer, Texas
"Financing meant we didn't have to drain our savings to get it done before winter."Recent customer, Pennsylvania

See what's available in your zip code

Checking takes about a minute and won't affect your credit. If a $0-down option is available in your area, you'll be connected with a local specialist to schedule a free estimate.

Check My Zip Code Now

100% free · No obligation to purchase