Roof Financing in Twin Cities, MN · Powered by Hearth

Protection When You Need It. Payment When You Can Afford It

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How It Works

Four steps from estimate to installed.

Get your scope & price:
A Proof Builders project manager inspects your roof, siding, windows, or gutters and gives you a firm number — before financing even enters the conversation.
Check your rate:
Apply through our Hearth portal in a couple minutes. It's a soft credit check, so browsing your options costs you nothing.
Compare offers:
Hearth's lender network returns real terms — rate, monthly payment, and length — so you can pick the plan that fits your budget.
We get to work:
Once you accept an offer and sign with the lender, we schedule your crew. Most roofs are torn off, installed, and cleaned up in a single day.

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Plan Specs

Payment plans at a glance.

Loan amount - $1,000 – $100,000
Repayment term - Up to 15 years
Intro rate options - 0% APR available
Rate check impact - Soft pull, $0
Decision time ~ 60 seconds
Prepayment penalty - None
Eligible projects
Roof tear-offs and replacements, siding, window replacement, and gutter systems — full jobs or partial scopes tied to storm repair.
Who's lending
A network of vetted, third-party consumer lenders matched to your project size and credit profile by Hearth. Proof Builders isn't the lender and doesn't hold your loan.

Start My Application

*Financing offered through Hearth's network of third-party lenders. Actual rate, term, and loan amount are set by the participating lender and subject to credit approval and underwriting. Not all applicants will qualify for 0% APR or the amounts and terms shown above.

- Why Homeowners Finance

Protect the house without touching your savings.

Storm damage doesn't wait for payday

Hail and wind damage compound fast. Financing lets you get the roof replaced now instead of waiting to save up, while insurance and paperwork run in parallel.

One fixed monthly payment

Instead of one large draw on your savings or emergency fund, spread a roof, siding, or window project into a predictable payment that fits your budget.

No obligation to check your rate

Seeing your offers costs nothing and doesn't touch your credit score. You can walk away from any offer with zero cost or commitment.

Covers more than just the roof

The same application can finance siding, window, and gutter work — useful if a storm hit more than one part of your exterior at once.

A Process Built On Transparency

Safer Homes & Happier Families In Just 4 Steps

1. Get In Touch With Our Team

Give us a call, fill out a contact form to request an inspection or get an instant quote for your roof today! Once we understand more about your project, one of our expert team members will come out to inspect your home!

2. Initial Inspection & Documentation

Your dedicated exterior expert will walk your property with you, inspect your roof, and document all findings. They will then sit down with you and walk you through the next steps specific to your situation, as well as timelines, ensuring you're left without any questions unanswered!

3. Build Day: What To Expect

Your assigned project manager will be on-site to manage your build from start to finish. Our in-house crews are fully-trained and certified by industry leading manufacturers so you can rest easy knowing your home is in good hands!

4. Quality Clean-Up & On-Going Support

Following your installation, we will run a triple magnetic sweep to ensure the only thing left behind is a beautiful new home! After your final walk-through you will be granted access to our quality assurance department, because we don't believe the job ends here. If there's anything we can help with in the future, you automatically jump to the front of the line!

Frequently Asked Questions

Common Questions Your Neighbors Are Asking

Will checking my rate hurt my credit score?

No. Checking your rate through our Hearth application is a soft credit pull, which does not affect your credit score. A hard credit check only happens if you formally accept an offer from a lender and move forward with the loan.

What credit score do I need to qualify?

Hearth works with a range of lenders, so requirements vary by offer. Rather than guessing, the fastest way to know is to check your rate — it takes about two minutes and shows you the real offers available to your profile.

Can I finance siding, windows, or gutters too — not just a roof?

Yes. The same Hearth application covers roofing, siding, window, and gutter projects, including combined jobs when a storm affects more than one part of your home's exterior.

Is Proof Builders the lender?

No. Proof Builders partners with Hearth, a financing platform that connects homeowners with a network of third-party lenders. We help you get the application started, but the loan itself, and its final rate and terms, comes from the lender you choose.

How fast will I know if I'm approved?

Most homeowners see their available offers within about 60 seconds of submitting the Hearth application. Funding timelines after you accept an offer depend on the lender.

Can I pay off my loan early?

Most lenders in Hearth's network do not charge prepayment penalties, but terms vary by offer. Your loan agreement will spell out the specifics before you accept it.