Most homeowners never write one large check for a roof. There are two ways to structure it through Foundation Finance, they suit genuinely different situations, and both start with a soft credit check that does not touch your score.
We had our roof replaced last month by AHS and the process was great. Kevin Diaz came out and did a great job with the initial roof inspection and walk through of the process. Rama did a fantastic job with explaining the options and costs and getting everything setup and then keeping on top of everything. The crew was friendly and professional and did an excellent job with the install and the cleanup. Finally, Lukas Turner was great with the post install inspection and walkaround.
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Joe Jones
6 months ago
Just completed the final process for a new roof constructed by AHS. I was thoroughly impressed with AHS’s personnel specifically Brock Doctson. He took us through the entire process from talking to the insurance company to physically coming to the house for payment when needed. He explained the entire process in great detail and was very attentive in following up and answering any questions. AHS should be very proud of his work ethic. Will recommend this company to anyone.
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Raquel Nunez
1 month ago
We are very happy with our new Roof. Kyle and Rama did an excelente job communicating and the crew was very clean and profesional. So happy we used this company! I would highly recommend this company if you need a new roof.
A roof is rarely a purchase anyone budgets for, and the payment structure should not be the reason a failing roof stays on the house. These two suit genuinely different situations, so the question worth answering first is which one sounds like you.
Option one
No interest for up to 18 months
Clear the balance inside the 18-month window and you pay no interest at all.
A monthly payment is due during the window, beginning about a month after the roof is finished.
Ask what monthly figure actually clears the balance in 18 months. The minimum payment on a promotional plan is not always that figure, and paying only the minimum is the usual way people end up owing the interest.
Well suited to anyone expecting insurance proceeds, a bonus, or a tax refund.
Interest is waived only if the amount financed is paid in full before the promotional period ends. If any balance remains when it closes, interest is charged retroactively from substantial project completion at the full rate, not from the end of the promotion. Financing is subject to credit approval. Foundation Finance Company LLC sets and discloses your rate and terms.
Best for Homeowners who intend to clear the balance quickly.
Option two
A fixed monthly payment
A set rate and a set payment, from the first month to the last.
The payment never changes and never balloons.
Longer terms are available, which produces the lowest monthly payment of any option.
No deadline, no cliff, and no interest charged retroactively.
You can still pay it off early with no prepayment penalty.
Best for Homeowners who want a payment that fits a budget and stays there.
Both run through Foundation Finance, and both start with the same soft credit check, which does not affect your score. Foundation Finance looks at more than the score alone, including time on the job, time at the address, income and equity, which is why strong credit and thin credit both get placed. You see the exact rate and terms in writing from Foundation Finance before you sign anything.
Find out where you stand first
Soft credit check. It does not affect your score. A hard inquiry happens only if you go on to complete an application and sign contract documents.
On a promotional plan, interest is waived only if the entire amount financed is paid off before the window closes. If any balance is left when that window ends, interest is charged retroactively from substantial completion of the project, at the full rate, on the original amount. Not from the end of the promotion.
That makes it a strong option when you know money is coming: an insurance check, a bonus, a refund. It makes it the wrong option if there is any real chance the balance is still sitting there at the deadline. If you are not confident about clearing it, the fixed monthly payment is the safer structure, and it is not the more expensive one in that scenario.
Any rep who explains it differently is explaining it wrong. Ask them to show you where the promotional period ends and what happens the day after.
If a storm is what brought you here
What Financing Covers on an Insurance Job
Your deductible
You can finance any part of the job you owe out of pocket, and for most claim customers that is the deductible plus whatever you choose above what the carrier approved.
A partial approval
The hardest case: you are holding a check that pays for part of a roof and a house that needs all of it. Financing the difference lets the whole roof go on now while we re-document the slopes the carrier left out.
A denied claim
A denial is not a verdict on whether your roof needs replacing. Carriers only answer whether they are paying. Plenty of the work we do is not insurance work at all.
No contractor can cover your deductible
Any contractor who offers to cover, absorb, discount, or work with you on your deductible is proposing insurance fraud, and the exposure lands on you as well as on them. Your name is on the claim, your policy is the one that gets cancelled, and your loss history follows you to the next carrier. It is a common offer after a storm and it should end the conversation. Financing the deductible is the legitimate version of solving that problem.
Both packages are available on either payment structure, and the crew, the components, and the warranty registration are identical whether you pay up front or over time. Bundling siding or gutters with a roof does not change the terms either, and it is the most common way our customers do both at once.
Yes, through Foundation Finance. Most homeowners never write one large check for a roof. There are two ways to structure it: pay the amount financed off inside a promotional window of up to 18 months and pay no interest, or take a fixed rate with a set monthly payment that runs the life of the term. Both start with the same soft credit check, and you see the exact rate and terms in writing from Foundation Finance before you sign anything. Financing is subject to credit approval.
How long is the no-interest period, and what happens if I do not pay it off in time?
The promotional window runs up to 18 months for qualifying homeowners, and the exact window on your contract comes from Foundation Finance, not from us. Interest is waived only if the amount financed is paid in full before that window closes. If any balance remains when it ends, interest is charged retroactively from substantial completion of the project at the full rate, not from the end of the promotion. That is the whole risk of this structure, and it is why we walk through the date with you rather than leaving you to find it in the paperwork.
How does "no interest if paid in full" actually work?
Interest is waived only if the entire amount financed is paid off before the promotional window closes. If any balance is left when that window ends, interest is charged retroactively from substantial completion of the project at the full rate, not from the end of the promotion. It is a strong option if you are expecting insurance proceeds, a bonus, or a refund. It is the wrong option if there is any chance the balance is still there at the deadline.
What is the difference between the two payment structures?
The first one has a deadline and rewards you for beating it. A monthly payment is due during the promotional window, beginning about a month after the roof is finished. Worth asking what monthly figure actually clears the balance inside the 18 months, because the minimum payment is not always that figure. The second one has no deadline and no cliff: a set rate, a set payment that never changes and never balloons, and no interest charged retroactively. Longer terms are available on the second structure, which is what produces the lowest monthly payment of any option.
Can I pay it off early?
Yes, on either structure, and there is no prepayment penalty. On the fixed-payment option paying early just shortens the term. On the promotional option paying early is the entire point.
Will applying hurt my credit?
Prequalifying does not. Both options start with a soft credit check, which does not affect your score. A hard inquiry happens only if you complete an application and sign contract documents. Foundation Finance weighs more than the score alone, including time on the job, time at your address, income and equity in the home, so a soft check is worth doing even if you are not sure you will qualify.
Can I finance my insurance deductible?
You can finance any part of the job you owe out of pocket, and for most claim customers that is the deductible plus any upgrade beyond what the carrier approved. What no contractor can do is cover, absorb, or discount your deductible. That is insurance fraud, and the exposure lands on you as the policyholder as well as on them.
What if my claim was only partially approved?
That is one of the most common reasons homeowners finance. You are holding a check that pays for part of a roof and a house that needs all of it. Two paths: we re-document the slopes the carrier left out and ask them to reconsider, or you finance the difference and build the whole roof now.
Get the Number Before You Pick a Plan
The inspection is free and it includes the attic. You get a full report and a written proposal the same day with both packages priced, and the financing conversation makes a lot more sense once there is a real number attached to it.
Crews Monday to Saturday. Office phones Monday to Friday.
Interest is waived only if the amount financed is paid in full before the promotional period ends. If any balance remains when it closes, interest is charged retroactively from substantial project completion at the full rate, not from the end of the promotion. Financing is subject to credit approval. Foundation Finance Company LLC sets and discloses your rate and terms. Financing provided by Foundation Finance Company LLC, NMLS #916914. Affordable Home Solutions is not a lender and does not set rates or terms. Promotional programs may change without notice.
