See What Your Monthly Payment Could Look Like.
Use the calculator below to estimate monthly payment ranges. The numbers are estimates. Your actual terms come from Hearth's lender network after a soft credit check. We want you to have a realistic sense of the math before you commit.
Two next steps from here. If you want to talk through your project before applying, call Jon. If you want to see actual loan offers from real lenders, start the application below.
Why You Cannot Find Real Roof
Repair Prices Online
Every homeowner wants a price. Jon's commitment is accuracy, not a vague range that could mean anything. That is why every Wells Built quote starts with a free inspection. Every home is different. Every price is too.
Four variables determine what your roof actually costs: the size of the roof, the materials and quality, the angles and pitch, and the risk and complexity of the job. Bigger roofs use more material and more labor. Higher-grade systems cost more upfront and often last longer. Steeper pitches take more time and carry more risk. Every Wells Built estimate accounts for all four.
A free inspection is how we produce a real number. We come to your home fast, walk the roof, document what we find, and explain every variable in person. You see what we see. You get a real estimate based on what is actually on your roof, not a national average that does not apply to your house.
Jon Wells
The Four Things That Drive Roofing Costs.
Every Wells Built estimate accounts for these four variables. No padding. No surprises.
Why We Chose Hearth
for Roof Financing.
The distinction that matters: Hearth runs on a subscription model, not dealer fees. Wells Built pays Hearth a flat fee for access to a lender network. Your loan terms are not bent to subsidize the contractor. The contractor does not sit in the middle. You work directly with the lender. Wells Built provides the access; the lending relationship is yours.
Financing is a tool. It helps families afford necessary work when paying out of pocket would strain the household. We brought forward the option that respects the homeowner first. The tools are below.
Jon Wells
Quote First. Finance Second. Always.
Many roofers offer financing. The distinction is the sequence. Some roofing companies want to see what you are approved for first, and the quote often grows to match the ceiling. We do it the other way. Free inspection. Honest quote. Financing applied to the real number.
Free Inspection.
Jon comes to your home, walks the roof, documents what he finds, and explains every variable in person. No charge. No obligation.
The Honest Quote.
We write a real estimate based on what the work actually requires. Not a number tied to what you might be approved to borrow.
Financing on the Real Number.
If you choose to finance, you apply for the exact amount the work costs. Not a ceiling. The actual price of your project.
Monthly Payments That Fit.
Hearth's lender network finds terms that work for your budget. Soft credit pull. Pre-qualification in minutes. No prepayment penalties. No home equity required.
When Financing Makes Sense for Families.
Financing is a tool, not a default. Here are the three situations where families most often use it.
How Hearth Financing Works.
The application is designed to be simple and transparent. Here is what to expect.
Check Rates in Minutes.
See your personalized monthly payment options within minutes and without affecting your credit score.
Soft Credit Pull Only.
Checking your rate does not impact your credit score. You see your options before you commit to anything.
No Home Equity Required.
Your home equity stays where it is. Financing is based on your credit, not your home's value. No prepayment penalties.
Funding in 1-3 Days.
Once approved, funds are generally available within one to three business days. Loan amounts up to $250,000.
Cost and Financing Questions.
How much does a roof repair cost?
Roof repair cost depends on four variables: the size of the roof, the materials needed, the angles and pitch, and the complexity of the job. Jon cannot give you an accurate number online because every home is different. An inaccurate number is worse than no number. The fastest way to a real answer is to schedule a free inspection.
How much does a roof replacement cost?
The same four variables apply: size, materials, pitch, and complexity. Jon hates that families cannot find specific numbers online, but any number stated without seeing your home would be inaccurate and unfair. A free inspection produces an honest estimate based on what your roof actually needs. Schedule a free inspection.
How much does a roof inspection cost?
Free. 100% of the time. No trip charge, no fee after the fact, no obligation to hire. Wells Built absorbs the cost. Gas, truck, time. Because providing accurate information is the right thing to do. Free inspections cover anywhere within our 100-mile service radius from Louisville, KY. Schedule a free inspection.
Can you finance a roof replacement?
Yes. Wells Built offers roof replacement financing through Hearth. If insurance is covering most of the work after storm damage, financing is available for the deductible. If the replacement is for an aging roof that insurance does not cover, financing covers the full project, with monthly payments that fit your budget.
Do roofers offer financing? How is Wells Built different?
Many roofers offer financing. The difference is the sequence. Wells Built leads with a free inspection and an honest quote for the actual cost of the work. If you want to finance, you apply for exactly that amount. Some roofing companies do it backward. They want to see what you are approved for first, and the quote often grows to match the ceiling.
What is the best way to finance a new roof?
Jon is a roofer, not a financial advisor. The right answer depends on your situation. If savings cover it without strain, that is often the best option. If financing is needed, Jon researched a range of options and brought forward Hearth because it aligns with homeowner-first principles. Talk to your financial advisor.
Can you use a home equity loan for a roof?
Yes, a home equity loan is one option. For some families it is a great choice. For others, it is not. Jon does not recommend specific financing instruments because he is not a financial advisor. Wells Built provides financing access through Hearth; you decide what tool to use, ideally with input from your financial planner.
Is a free roof estimate really free?
Yes. Free for the homeowner, always. Wells Built absorbs the cost because trust is built on giving accurate information first, not extracting payment for it. No fee, no obligation, no high-pressure pitch. Just an honest evaluation, photos, a written explanation, and a fair quote. You do not have to be present, though Jon prefers it.
READY WHEN YOU ARE
Start With a Straight Answer
Free inspection. Honest read. No pressure to decide.
No cost. No obligation. Just answers.
