South Florida
Roof and Home Improvement Financing in South Florida
A failing roof does not wait for a convenient month. With $0 down, 100% financing and no credit check required, the work can start now and the cost spreads across a term you choose, with no penalty for paying it off early.
- $0 down, 100% financed
- No credit check required
- From $65 a month
Overview
Almost nobody puts off a roof because they want to
What usually happens is that a five-figure number lands in the same month as a car repair and a tuition bill. The decision quietly becomes next year, and by next year the leak has found the decking and the number is bigger.
Financing changes the question from whether you can write the check this month to whether the monthly payment fits. Our terms are straightforward: $0 down, 100% of the project financed, no credit check required, secured and unsecured options, 10, 20 and 30-year terms, and no pre-payment penalty. Payments start at $65 a month. If money arrives in year two, you can clear the balance without being charged for it.
We are a PACE approved contractor and a My Safe Florida Home approved contractor, and we do not employ commissioned salespeople. Nobody here earns more by pushing you toward a longer term or a bigger scope. The consultation is free, the written estimate is free, and if another licensed contractor has quoted you in writing, we will beat it.
Why us
What you get with USA Roofing & Construction
$0 down, 100% financed
The full project cost is financed. Nothing out of pocket to get the permit pulled and the crew scheduled.
No credit check required
Moving forward does not depend on a credit pull. Secured and unsecured options are both available.
10, 20 or 30-year terms
A longer term lowers the monthly number. There is no pre-payment penalty if you decide to clear it early.
PACE approved contractor
Also approved for My Safe Florida Home. We will walk through which route suits your project at the free consultation.
What PACE financing actually is
PACE stands for Property Assessed Clean Energy. It is a Florida program that finances qualifying improvements to a property and is repaid through the annual property tax bill rather than as a separate loan payment.
The feature that makes it different is that the obligation attaches to the property rather than to the person. It is generally used for improvements tied to resilience and efficiency — the categories that help a home stand up to weather or use less energy. It is one route among several, and it is not automatically the right one for every homeowner.
- Repaid through the property tax bill rather than a separate monthly loan payment.
- The assessment is tied to the property rather than to you personally.
- Commonly used for qualifying resilience and efficiency work, such as roofing and impact windows and doors.
- We are an approved PACE contractor, which means we can perform work under the program. We do not administer it, set its terms or decide who qualifies.
- Eligibility, cost over the term and how it sits alongside an existing mortgage are questions for the program administrator and your own adviser. Bring them to the free consultation and we will point you to the right source.
Secured, unsecured, and why the term changes the payment
Two things decide your monthly number: whether the financing is secured, and how long the term runs. A secured option is backed by the property. An unsecured option is not. Both are available and neither is automatically better.
Term length is the bigger lever. The same project spread over 30 years produces a smaller monthly payment than the same project over 10, while the shorter term clears the balance sooner. The right answer depends on how long you plan to stay in the house and what the payment has to sit next to in your budget. Because there is no pre-payment penalty, a longer term is not a one-way door — plenty of homeowners take the low required payment and then pay more than the minimum whenever they can.
- Secured options are backed by the property; unsecured options are not.
- Longer term, lower monthly payment. Shorter term, balance cleared sooner.
- 10, 20 and 30-year terms available, with payments starting at $65 a month.
- No pre-payment penalty, so paying it down early costs you nothing extra.
- No credit check required to move forward, and $0 due at signing.
Waiting has a price too, and what to bring when we sit down
A roof problem is one of the few household expenses that grows on a schedule. Water that gets past the underlayment moves into the decking, then the framing, then the drywall and insulation below it. A repair that was a section of tile in March can be a structural item by October, and whatever you saved by waiting is gone.
The other cost is insurance. Florida carriers underwrite heavily on roof age and condition, and homeowners across Broward, Miami-Dade and Palm Beach are receiving non-renewal notices and requests for roof condition reports. Replacing a roof on a carrier deadline is a far worse position than replacing it on your own.
- Your most recent written estimate from another licensed contractor — show it to us and we will beat it.
- Anything your insurer has sent: a non-renewal notice, an inspection report or a request for roof documentation.
- The approximate age of the roof and any repair history you have on it.
- A rough idea of the monthly payment you are comfortable with, so we can talk about term length in real numbers instead of generalities.
- Your questions. Ask what the financing costs over the whole term, not only per month. A straight answer to that question is the fastest way to judge any contractor.
Affordable roof financing
Every home deserves a safe roof — including yours
A roof shouldn’t wait for a perfect credit score. We’re a PACE-approved contractor, so we can put a new roof over your family for as little as $65 a month with nothing down.
- No credit check required
- $0 down with 100% financing
- PACE program approved contractor
- Secured & unsecured financing
- 10, 20 and 30 year terms
- No pre-payment penalty
*Payment example based on approved credit and project size. Terms vary — ask us for the exact numbers on your roof.
Questions
Financing — straight answers
Is there really nothing to pay up front?
Correct. We offer $0 down with 100% of the project financed, so there is nothing due at signing and nothing due to get the permit pulled and the crew scheduled. The payment amount and the repayment schedule are set out in writing, and we go through both of them with you before any work is booked.
Do you run a credit check?
No credit check is required. That is one of the main reasons homeowners come to us after being turned down elsewhere or after deciding not to have their credit pulled at all. Secured and unsecured options are both available, and which one suits your situation is something we cover during the free consultation rather than over the phone.
What is PACE financing?
PACE is a Florida program that finances qualifying property improvements and is repaid through the annual property tax bill. The obligation is tied to the property rather than to the individual, and it is generally used for resilience and efficiency work. We are an approved PACE contractor, so we can perform the work, but the program itself sets eligibility and terms. Bring your questions to the free consultation.
How is the monthly payment calculated?
It comes down to the size of the project and the length of the term. Payments start at $65 a month, and terms of 10, 20 and 30 years are available. A longer term lowers the monthly figure and a shorter one clears the balance faster. We will show you the same project across different terms so you can see the trade-off rather than take our word for it.
Can I pay it off early?
Yes, and there is no pre-payment penalty. You can pay more than the required amount, or clear the balance entirely, without a fee for doing so. That is worth knowing before you choose a term, because it means a longer term with a lower required payment still leaves you free to pay it down faster whenever your situation allows.
Is financing only for roofs?
No. We are a general contractor as well as a roofer, and financing is part of how we work across our services. Different programs cover different categories of work, though, so the honest answer for any specific project is that we confirm it at the free consultation. Roofing, impact windows and doors and similar exterior work have the widest range of options.
Reviews
Homeowners who trusted us with the job
5.0 out of 5 · verified Google reviews
I can't say enough about the professionalism and quality of work USA Roofing & Construction delivered! Eli and Max were there with me every step of they way. They replaced my front door, garage door and skylight. Communication was excellent. Service was outstanding. Everything was done in a timely fashion. I highly recommend them and will use their services again in the future. Thank you for making my construction issues easy! Love my front door and so does Buddy!
USA Roofing and Construction's commitment to excellence is evident in every aspect of their business, from the initial consultation to the final inspection. USA Roofing and Construction's team is a well-oiled machine, working seamlessly together to deliver exceptional results and exceed customer expectations.
Delivered as promised on budget. I would recommend them and use them again!
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Service area
Local crews across South Florida
We travel all around South Florida — from Miami-Dade to Palm Beach County. Pick your city to see local roofing information, or just call and we’ll tell you if we cover your street.
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Free inspection, instant roof report, written estimate and financing options — all with no obligation. Tell us what’s going on and we’ll take it from there.
- Call or text954-893-2550
- Email ususaroofingac@gmail.com
- Visit us1118 N 46 Terrace, Hollywood, FL 33021
- State licensesCCC1337306 · CBC1266379
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