Home Improvement Financing With HelloRates
Flexible financing options are available through HelloRates — so you don’t have to delay your next roofing or remodeling project.
Veteran-Led
•
Family-Owned
• Fully Insured
•
Serving Coastal NC
Featured Project – Double Lock Standing Seam Metal Roof, Rocky Point NC
This 24-gauge double lock standing seam metal roof was custom fabricated and installed by Howard Roofing & Construction in
Rocky Point, NC (28457).
Every detail was precision-bent on site — from the
valleys, ridge caps, end walls, and sidewall flashing to the reinstalled dormer siding and synthetic underlayment beneath.
The result: a clean, watertight finish built to last, backed by a
40-year paint warranty & a
20-year workmanship warranty for long-term protection and beauty.
Projects like this show how Wisetack makes home upgrades fast and affordable for homeowners across Coastal North Carolina.
Projects like this are proof that quality and affordability can go hand-in-hand — and with HelloRates, financing your next home improvement is just as straightforward.
When you apply with HelloRates, there’s no impact on your credit to check your offers — and you’ll see multiple choices instantly.
The Simple Way to Finance Your Next Project
Big home improvements shouldn’t have to wait until the timing is perfect. Through our partnership with HelloRates, you can explore flexible loan options that fit your budget and goals. Whether you’re repairing storm damage, upgrading for energy efficiency, or taking on a full remodel, financing makes it easier to start now and pay over time.
When you apply with HelloRates, there’s no impact on your credit to check your offers — and you’ll see multiple choices instantly.
HelloRates is our primary financing partner for customers looking to fund larger or full-scale projects.
It’s a simple, one-time annual program that lets us offer flexible options up to $100,000 in financing — helping more homeowners move forward confidently.
While this partnership is newer, it was chosen to help homeowners access higher loan amounts — up to $100,000 — when Wisetack’s range tops out at $25,000.
We’ll continue reviewing feedback and ensuring every financing partner we use provides reliable, transparent service for our customers.
Why Homeowners Choose HelloRates
Flexible, transparent, and fast — HelloRates makes financing home improvements simple from start to finish.
Below are just a few reasons homeowners across Wilmington and Coastal NC trust HelloRates:
0% APR programs available for qualified customers
Enjoy promotional 0% APR options that let you upgrade your home now and pay over time — interest-free for qualified applicants.
100% financing options available
Cover your entire project cost, from materials to labor, with no upfront payment required.
Apply in just 60 seconds
Start your application right from this page — it’s quick, simple, and takes about a minute to see your offers.
See multiple offers instantly
Compare several loan options side-by-side and choose the one that best fits your goals and budget.
No harm to your credit to check rates
HelloRates uses a soft credit check, so you can explore your financing choices with complete confidence.
Secure online process
No pressure, no paperwork hassles
Your information is protected end-to-end, and everything happens digitally — no sales calls or long forms to fill out.
With HelloRates, you stay in control — choose the plan that works best for you and move forward with confidence.
Next, let’s walk through how the process works step-by-step.
How to Get Started
Getting started takes about a minute. Once you submit your short form, HelloRates shows you multiple financing options so you can pick what fits your budget.
There’s no hard credit pull, no pressure, and no hidden fees — just a simple process that helps you start your project with confidence.
Enter Your Info
Fill out a few quick details on the HelloRates form — it only takes about 60 seconds, and it uses a
soft credit check that won’t affect your score.
View Your Offers
Instantly see several real financing options from trusted lenders. Compare terms, monthly payments, and rates side by side to find what fits your budget best.
Select & Schedule
Choose your preferred plan and we’ll finalize your project details. From scheduling to cleanup, our team handles everything — you just focus on enjoying your upgraded home.
It’s that easy — no calls, no confusion, and no pressure to choose a plan until you’re ready.
Want to see what your monthly payment might look like before checking rates? Use the quick estimator below.
HELLO RATES MONTHLY PAYMENT ESTIMATOR
Estimate your potential monthly payment using the quick calculator below.
This tool is for planning purposes only — your actual terms and payment amount will depend on your final HelloRates approval.
Estimate a Monthly Payment
Quick estimate for planning only — final terms are shown after you check your rates with HelloRates.
Estimates are for illustration only and assume fixed APR and full-term repayment. Your actual terms will be shown after you check your rates with HelloRates. No prepayment penalties.
HelloRates is an independent third-party financing platform. Howard Roofing & Construction is not a lender and does not determine approvals, rates, or terms.
Once you have an idea of your budget, it’s time to see how HelloRates can help you finance nearly any home improvement project.
Scan to check your personalized Rates
(soft credit check—won’t impact your score)
See How Simple Financing Can Be
Wondering how our financing works?
Watch this short overview of the Full Spectrum Financing Program powered by HelloRates — flexible, fast, and built for home improvement projects.
Financing made simple, service made local — that’s the Howard Roofing & Construction difference.
What You Can Finance With HelloRates
From small repairs to full renovations, HelloRates offers flexible programs to cover almost any type of home project.
Below are examples of projects that commonly qualify for financing through HelloRates.
Roof Replacement or Repair
From full roof replacements to small leak repairs, financing helps you protect your home without waiting for perfect timing.
Siding, Gutters & Windows
Upgrade energy efficiency and curb appeal with new siding, seamless gutters, and modern window systems.
Garages & Additions
Expand your living space with custom garages, workshops, or home additions — built for long-term value.
Kitchen & Bathroom Remodels
Transform everyday spaces with modern fixtures, cabinetry, and finishes while keeping costs manageable.
Flooring Installations
Replace outdated flooring with durable, stylish materials — hardwood, tile, or luxury vinyl plank.
Interior & Exterior Painting
Refresh your home inside and out with premium coatings that improve both aesthetics and protection.
Decks, Porches & Outdoor Living
Build or restore outdoor spaces for entertaining and relaxation — financed just like any other project.
Most projects between $5,000 and $25,000 qualify for fast, affordable monthly payments — and approvals often take just minutes.
Many projects — from smaller repairs to
large-scale remodels — qualify for flexible monthly payments through HelloRates.
Large projects may qualify for higher limits based on approval.
Whether it’s protecting your home from the next storm or upgrading for long-term comfort, HelloRates gives you the freedom to start right away.
See why so many Wilmington homeowners trust Howard Roofing & Construction to complete their financed projects with integrity and craftsmanship.
Why Choose Howard Roofing & Construction?
At Howard Roofing & Construction, we don’t just complete roofing & remodeling projects — we build lasting relationships with homeowners who value quality, honesty, and attention to detail.
Choosing the right roofing & remodeling company is about more than materials — it’s about trust, craftsmanship, and protection that lasts. At Howard Roofing & Construction, we bring decades of experience and a veteran-led work ethic to every project we complete across Southeastern North Carolina.
Here’s why homeowners across
Southeastern NC continue to trust our team when it matters most.
Veteran-Led & Family-Owned
Our company is built on
Discipline, integrity, service, and
attention to detail. You’ll always work directly with a
family-owned team that treats you like family your home like their own.
A+BBB Rating
Homeowners across Wilmington and Southeastern North Carolina trust our long-standing A+ rating with the Better Business Bureau — earned through years of honesty, reliability, and proven craftsmanship.
Fully Insured
Every crew member, every project, and every property is protected under our
General Liability and
Workers’ Comp coverage, giving you total peace of mind.
CertainTeed Certified
Our installers are
CertainTeed, GAF, and Fortified Roof Certified, following manufacturer standards for top performance, extended warranties, and hurricane-ready construction.
One Contractor, Total Solutions
We handle more than just roofing. From
remodeling, building, siding, and storm repairs to
interior and exterior projects, our unified team makes every job seamless and stress-free.
From the first consultation to the final walkthrough, we take pride in providing
roofing and remodeling services in Wilmington NC that are defined by
craftsmanship,
transparency, and
lasting results — the foundation of why homeowners continue to trust our team year after year.
If you’ve been searching for the best roofing company near you or comparing Wilmington roofing companies, or remodeling companies, you’ll find the difference in our veteran-led approach and small-town accountability.
We’re proud to serve our neighbors across Coastal North Carolina — see where we work and the organizations we support below.
Serving Wilmington & Southeastern NC
Howard Roofing & Construction proudly helps homeowners in
Wilmington and Southeastern North Carolina
make essential home upgrades possible with
flexible roofing and remodeling financing options.
Our trusted financing partner — HelloRates — makes it easier to start projects now and pay over time with transparent terms and fast approvals.
We serve communities across our coastal region, including:
- Wilmington
- Hampstead
- Rocky Point
- Leland
- Carolina Beach
- Wrightsville Beach
- Burgaw
- Castle Hayne
…and nearby towns throughout Southeastern NC. If your community isn’t listed, reach out — chances are we already work in your area.
As a
veteran-led and family-owned company, we combine local expertise with trusted financing solutions to help homeowners protect and enhance their properties without financial stress.
Whether you’re financing a roof replacement, siding upgrade, or full remodel, you can count on us for integrity, craftsmanship, and flexible payment plans built for your budget.
Our team specializes in projects designed for
Coastal North Carolina’s climate — from high-humidity roofing systems to durable exterior materials that withstand seasonal storms while maintaining curb appeal.
No matter where you are in Southeastern NC, Howard Roofing & Construction is your trusted local partner for financing and completing home improvement projects with confidence.
Wherever you are in Coastal NC, you can count on Howard Roofing & Construction for honest communication, reliable workmanship, and trusted financing options through HelloRates.
👉 Learn more about our Storm Damage & Emergency Tarping Services or Siding Installation Services.
Certified Roofing Services Backed by Strong Warranties
Howard Roofing & Construction ensures every financed project is backed by the same craftsmanship, accountability, and professionalism that define our reputation across Coastal North Carolina.
Homeowners can move forward with confidence knowing their investment is protected by:
Manufacturer-approved materials and installation standards
Full insurance coverage and verified contractor certifications
Industry-leading warranties that stand behind every project
Extended coverage with industry leading workmanship warranties
Insurance Assistance – If storm damage is found, we help document it for insurance-claim support and coordinate next steps with adjusters when needed.
“Certified Craftsmanship. Proven Integrity
⭐⭐Trustworthy⭐⭐
As a veteran-led and family-owned company, we’re committed to helping homeowners finance and complete their projects the right way — with trusted partners, quality materials, and craftsmanship that lasts.
Financing your project with Howard Roofing & Construction means confidence at every step—quality workmanship, certified protection, and trusted partners you can rely on.
Continue reading below to hear what our customers are saying about their experience with us and see why Howard Roofing & Construction is your go to one stop shop for all your home improvement needs.
What Southeastern NC Homeowners Are Saying
Real feedback from the people who trust Howard Roofing & Construction to protect their homes and families.
Still have questions before you apply? We’ve answered the most common ones below.
Frequently Asked Questions
Have questions before you schedule your inspection or estimate? Here are some of the most common things Wilmington homeowners ask about our financing services.
Is checking my rates free?
Yes — there’s no cost or obligation to view your financing offers and it will have no impact to your credit.
How long does approval take?
Most customers receive offers in under a minute.
With most applications being approved instantly, so you can get started right away.
Will checking my rates affect my credit score?
No — checking your rates with HelloRates will not affect your credit score.
It’s a soft inquiry, so you can explore your financing options freely without any impact on your credit.
That makes it super convenient during the planning process — you can compare offers, estimate monthly payments, and see what works best for your budget.
It’s always a good idea to check; you may find that you’re able to include a few upgrades you really want, instead of settling for only what you absolutely need.
Can I pay off my loan early?
Absolutely — there are no prepayment penalties.
What types of projects can I finance?
Roof replacements, remodels, additions, storm damage, emergency services, and more — almost any home improvement qualifies.
Can I combine HelloRates financing with an insurance claim?
Yes, Often times clients will use the financing in addition with their insurance claim to get the upgrades that they would like to get that the insurance companies don't typically cover.
Once you’ve reviewed the answers above, you’re ready to take the next step with HelloRates.
Ready To Start Your Project With Flexible Financing?
Apply now through HelloRates and get personalized offers in under 60 seconds.
HelloRates is an independent third-party financing platform. Howard Roofing & Construction is not a lender and does not determine approvals, rates, or terms.
Howard Roofing & Construction — Building With Integrity, Supporting Our Community.