Roof Financing Options in Santa Rosa

Protecting Roofing Systems Throughout the North Bay No Matter The Material

Your home deserves the best protection, and a quality roof is a significant investment. At Crandall Roofing, we understand this, which is why we’ve partnered with Hearth to offer you flexible financing options. This allows you to protect your home now, rather than waiting years.

For over 30 years, we’ve helped more than 10,000 Bay Area homeowners find solutions that make their lives more comfortable and worry-free. Whether you need a roof replacement, new construction, or critical repairs, our financing programs let you move forward with confidence. 

You shouldn’t have to choose between protecting your family and protecting your savings. With our Diamond Certified service and up to 50-year warranties, you’re making an investment that pays dividends in peace of mind. And you can do it on terms that make sense for you.

DIAMOND CERTIFIED FOR YOUR PEACE OF MIND

As a Diamond Certified roofing company, we’ve earned the highest rating for quality and customer service.

When you finance with us, you’re investing in proven excellence—not taking a chance on an unknown contractor.

Our Financing Options

We’ve partnered with Hearth because they understand home improvement financing the way we understand roofing. Their platform offers competitive rates, flexible terms, and a quick application process that won’t keep you waiting.

Choose from various loan amounts and repayment schedules that align with your financial situation.

Whether you need financing for a complete roof replacement with premium materials or a more modest repair project, there’s a solution that fits. The application process is straightforward, with most decisions coming within minutes.

Why Hearth?

Hearth specializes in home improvement financing, which means they get what you’re going through. Unlike traditional lenders who might not understand the urgency of roof repairs or the value of quality materials, Hearth works with contractors like us every day.

They offer competitive interest rates, flexible terms up to 12 years, and loan amounts that can cover everything from minor roof repairs to storm damage restoration and complete roof replacements.

The application takes minutes, not days, and you can complete it entirely online from the comfort of your home. And best of all, checking your rates won’t impact your credit score, so you can explore your options stress-free.

Get An Estimate Now

Once you submit, we may reach out to you via phone, email, or text to fetch information, which you can opt out of at any time. We will never share your personal information with third parties for marketing purposes. Consent is not a condition of purchase. Message/data rates apply.

Terms and Conditions | Privacy Policy.

Why Choose Crandall Roofing?

When you finance your roof through Crandall Roofing, you’re not just getting payment flexibility—you’re partnering with a local roofing company that truly cares about the protection and success of our communities.

Diamond Certified

Diamond Certified

We’re proud to be one of the few Diamond Certified companies that have been protecting our communities from the elements, including time, since 1995.

Materials

Class A-Fire Rated Materials

Our team uses only Class A fire-rated materials, backed by manufacturer warranties that extend up to 50 years.

Factory-Certified Extended Warranties

Professionally Certified and Backed By Trusted Brands

We’re certified installers for Owens Corning, GAF, Malarkey, CertainTeed, and other top manufacturers, which means your financed project comes with the longest, strongest warranties available.

OVER 10,000 SATISFIED HOMEOWNERS

Join thousands of Bay Area families who’ve trusted us with their roofing needs.

We’re not just installing roofs—we’re protecting homes, families, and futures.

Protect Your Home or Business Without The Stress: Benefits of Financing With Crandall Roofing

Financing your roofing project through Crandall Roofing and Hearth opens doors you might have thought were closed. Here’s how flexible financing transforms your roofing experience:

Financial Freedom and Flexibility

  • No waiting required: Act immediately on urgent repairs or replacements without draining your emergency fund or waiting months to save.
  • Preserve your cash reserves: Keep your savings intact for other priorities while still protecting your home.
  • Predictable monthly payments: Budget with confidence knowing exactly what you’ll pay each month—no variable rates or surprise fees.
  • Better than credit cards: Enjoy lower interest rates than typical credit cards, potentially saving thousands over the life of your loan.

Access to Premium Quality

  • Upgrade your materials: Choose the premium roofing materials you really want, not just what fits your immediate cash availability.
  • Longer warranties, better protection: Invest in Class A fire-rated materials with up to 50-year warranties that truly protect your home
  • No compromises: Get the complete job done right the first time instead of settling for partial repairs that won’t last

Protection for Your Home’s Value

  • Increase curb appeal immediately: A new roof dramatically improves your home’s appearance and market value.
  • Prevent costly damage: Stop small problems now before they cause expensive interior damage to ceilings, walls, insulation, and belongings.
  • Better resale value: Quality roofing is one of the top investments for return on home value when it’s time to sell.

No Prepayment Penalties

  • Pay ahead without fees: Got a bonus or tax refund? Pay down your loan early and save on interest without any penalties.

How To Apply and What You'll Need

Schedule Your Roofing Assessment: Contact Crandall Roofing to schedule a consultation. Our expert team will inspect your roof and provide a detailed estimate for your project. We’ll walk you through material options, warranties, and answer all your questions.

Receive Your Financing Link: Once you have your project estimate, we’ll send you a secure financing link via email or text. You can also access the application through any quote, contract, or invoice we provide. The link connects you directly to Hearth’s lending network.

Complete the Quick Online Application: Click your financing link and fill out Hearth’s short online form. The application takes just a few minutes and requires:

  • Your full name and current address
  • Date of birth and Social Security number
  • Annual household income
  • Your estimated project cost (we’ll provide this)

See Your Options in Seconds: Within 60-90 seconds, you’ll see your pre-qualified monthly payment options from multiple lenders—all without any impact to your credit score. This is a “soft inquiry” that lets you explore options risk-free. You’ll see rates for the amount you requested and the highest amount you qualify for, giving you a complete picture of your buying power.

Choose Your Best Option: Review your personalized loan options, comparing interest rates, monthly payments, and loan terms. Take your time—there’s no pressure. Hearth’s lending partners offer terms from 2 to 12 years with rates starting as low as 4.9% APR for qualified borrowers.

Complete Your Application: When you’ve selected your preferred financing option, complete the full application with your chosen lender. This step involves a hard credit inquiry, but you’ve already seen your likely approval and terms.

Get Approved and Funded: Most applicants receive approval decisions quickly, often the same day. Once approved, funds typically deposit into your account within 1-5 business days—sometimes as fast as 24 hours. Then we can get to work protecting your home!

OVER 10,000 SATISFIED HOMEOWNERS

Join thousands of Bay Area families who’ve trusted us with their roofing needs.

We’re not just installing roofs—we’re protecting homes, families, and futures.

Providing Affordable Financing Options For Businesses and Homes Across Santa Rosa

Crandall Roofing serves communities throughout the greater Bay Area, and our financing options travel with us. We understand each neighborhood has its own character, from older homes built before 1970 that need thoughtful restoration to newer properties requiring modern roofing solutions. Our financing helps upgrade forever homes, protect growing households, and maintain commercial properties without disrupting cash flow. No matter where you are in our service area, quality roofing and manageable payments go hand in hand.

Financing FAQ

Hearth’s lending partners work with FICO scores as low as 550. Even if your credit isn’t perfect, you should still apply—many homeowners are surprised by the options available to them. Better credit typically means lower interest rates, but options exist for various credit profiles.

Pre-qualification results appear within 60-90 seconds of submitting your initial application. Full approval decisions typically come within the same day, and approved funds can be deposited in your account in as little as 24 hours—usually within 1-5 business days.

Checking your rates through Hearth’s pre-qualification uses a soft credit inquiry that won’t impact your score. You can explore your options risk-free. Only when you complete a full application with a specific lender will a hard inquiry occur, which may have a minor, temporary effect on your credit score.

Hearth’s lending partners offer loans from $1,000 to $250,000, with repayment terms ranging from 2 to 12 years. This flexibility means you can finance everything from minor repairs to complete roof replacements on large properties.

Rates start as low as 4.9% APR for borrowers with excellent credit, though typical ranges fall between 5% and 35.99% depending on your credit score, income, debt-to-income ratio, loan amount, and term length. Your pre-qualification results will show you specific rates based on your financial profile.

Schedule Your Consultation and Inspection With Crandall Roofing Today

Ready to protect your home without the financial stress? Our team is standing by to discuss your roofing needs and explore financing options that work for your situation.

We’ll walk you through every step, from your initial roof assessment to final financing approval. You’ve spent years building your life in the Bay Area—let’s make sure your roof can protect it for decades to come.

With Crandall Roofing and Hearth financing, a stronger, safer roof is closer than you think. Let’s get started on securing your home’s future today.