Roof Financing in Sacramento
A roof is rarely a planned purchase. Financing through Hearth lets you spread it out: $0 down, payments from $199 a month, subject to credit approval. Checking your options does not affect your credit score.
How it works
- We measure the roof and give you a written price
- You check your financing options online in a few minutes
- You compare monthly payment offers and pick a term
- Work is scheduled, and you are never asked for a large deposit
About that deposit
California law caps a home improvement deposit at $1,000 or 10% of the contract price, whichever is less. Financing does not change that, and neither do we.
Insurance claims
If a storm damaged your roof, your claim may cover part or all of the replacement. We document conditions with photographs and provide a written scope for your adjuster. We are contractors, not public adjusters, so we cannot negotiate your claim for you.
Our published prices
Per roofing square (100 sq ft). Your price is your roof’s measured squares times the tier rate, confirmed in writing before any work.
The example uses 25 squares, the median Sacramento home re-roof in county permit records (2022–25). It is an illustration, not your price.
Common questions
- Can I finance a roof replacement with no money down?
- Yes, subject to credit approval. Financing through Hearth offers $0 down with payments starting from $199 a month, and checking your options does not affect your credit score.