RE-ROOF NOW. ​PAY LATER. 

You need a roof over your head—but you don’t want to go over budget. We’ve got you covered.

At Pacific Roof Restorations, we believe protecting your home or business shouldn’t mean stretching your finances. That’s why we’ve partnered with Hearth to offer fast, flexible financing options tailored to your needs.

Financing Features
▶ Loan amounts up to $250,000
▶ Ideal for both residential and small commercial projects
▶ Pre-qualify in minutes with no impact on your credit score
▶ Flexible monthly payment plans
▶ No home equity required
▶ No prepayment penalties
▶ Funding as fast as 1–3 days

READY TO GET STARTED?

GET YOUR PROJECT OFF THE GROUND

With Hearth, financing your re-roofing project is quick, easy and secure. In just a few clicks, you’ll see personalized options from a network of 17 top lenders—all without affecting your credit score.
How It Works
  1. Multiple Payment Options
    Hearth connects you with a range of offers so you can choose the one that fits your budget and timeline.
  2. Simple Pre-Qualification
    Apply online in under 2 minutes—no paperwork, no pressure and no hit to your credit.
  3. Fast Funding
    Once approved, you could receive funds in as little as 1–3 business days. That means your roofing project doesn’t have to wait.

DON'T DELAY YOUR ROOFING PROJECT

Your roof plays a big role in protecting your home or business. Let’s get it done—on your terms and on your timeline.

FAQs ABOUT FINANCING

Will checking my options affect my credit score?
Nope! Hearth uses a “soft pull” that won’t impact your credit.

Can I pay off my loan early?
Yes! There are no prepayment penalties with any of Hearth’s lending partners.

What’s the difference between secured and unsecured loans?
Unsecured loans don’t require collateral, like your home or car, while secured loans do.

How is my APR determined?
Lenders consider your credit history, income, expenses and debt-to-income ratio.

How soon can I get the funds?
Most loans fund in 1–5 business days after approval.

Is there a loan minimum?
Most lenders require at least $2,000.

Can I delay funding if my project isn’t ready to start?
Some lenders offer flexible scheduling—check with your selected lender for details.

Can I finance more (or less) than my total project cost?
Yes, you can choose to finance the exact amount, or a bit more or less.

Do I need to verify my income?
Yes, income verification is typically required.

Should I add a co-borrower to my loan application?
Adding a co-borrower can be a smart move—especially if you’re having trouble qualifying on your own or want to access better loan terms. A co-borrower shares responsibility for the loan and must also sign the agreement, but their credit and income can help improve your chances of approval and potentially lower your interest rate.

What if I don’t qualify?
Try again with a co-borrower—this can improve your odds and may reduce your APR.

DON'T RE-ROOF.
RESTORE.

If your existing flat, low-slope or metal roof is in need of repair, we encourage you to contact us before you undertake a traditional re-roofing project. We are the Pacific Northwest's only contractor specializing in restoration of existing flat, low-slope and metal roofs using a proven technology that offers a long-lasting, cost-effective, renewable alternative to traditional re-roofing.
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