Roofing & Remodeling Financing Options | Wilmington NC
Flexible payment options through HelloRates and Wisetack — quick approvals, soft credit checks, and no prepayment penalties. Get the upgrades you need without the financial stress.
Veteran-Led
•
Family-Owned
•
Fully Insured
• Serving Coastal NC
Featured Roofing Project – Willard, NC
This ranch home in Willard received a full roofing system upgrade with
Hickory architectural shingles,
ice & water shield in the valley's,
synthetic underlayment,
brown aluminum drip edge, and
ridge vent for improved moisture control and ventilation. Every detail was installed to manufacturer standards for long-term protection and curb appeal.
Projects like this show how financing makes home upgrades fast and affordable for homeowners across Coastal North Carolina.
Quality craftsmanship meets flexible financing — and with our financing partners, applying only takes about a minute with no impact to your credit.
Invest in Your Home — Without Delaying Your Project
Big repairs and remodels don’t always wait for perfect timing — but with flexible financing, they don’t have to. Whether you’re replacing a storm-damaged roof, upgrading old siding, or building the addition your family’s been planning, financing helps you get started now while keeping payments manageable.
At Howard Roofing & Construction, we partner with trusted financing providers to give homeowners clear, flexible options with fast approvals, soft credit checks, and no prepayment penalties. Our goal is to make quality craftsmanship and durable materials accessible without the financial stress — so you can protect, improve, and enjoy your home on your terms.
Ready to explore what works best for your project? Compare our two trusted financing partners below to see which one fits your budget, timeline, and goals.
Compare Your Financing Options
We partner with two trusted financing providers — HelloRates and Wisetack — to give you flexible, transparent payment options for your next home improvement project.
Compare the features below to see which program best fits your project and budget.
| Feature | HelloRates | Wisetack |
|---|---|---|
| Credit Check | Soft inquiry (no impact) | Soft inquiry (no impact) |
| Loan Amount | Typically $500 – $100,000, depending on lender and credit profile | $500 – $25,000* |
| Terms | Custom per lender and loan amount | 3 – 60 months* |
| Typical APR Range | Varies by lender | 0% – 35.9%* |
| Decision Speed | Instant multi-offer results from multiple lenders | About a minute for prequalification |
| Best For | Larger projects or customers seeking higher financing limits | Smaller to mid-sized projects with fast approvals |
| Apply Link | Check Rates with HelloRates | Prequalify with Wisetack |
*Subject to credit approval. Terms and limits vary by applicant and lender. See partner website for complete details.
Split your purchase into low monthly payments
Both options are quick, secure, and designed specifically for home improvement projects. You can even check your rates with a soft credit inquiry that won’t affect your score.
Whether you go with HelloRates or Wisetack, both options can be used for a wide range of projects. Here are a few examples of what homeowners commonly finance.
We partner with trusted financing providers, including
Wisetack and
HelloRates, to give homeowners flexible payment options for any project size.
HelloRates is a newer partner we’ve added to meet client requests for higher financing amounts beyond Wisetack’s $25,000 limit.
We’ll continue monitoring each partner to ensure every customer experience meets our standards for transparency, service, and reliability.
What Can You Finance?
Financing isn’t just for big remodels — it can make almost any home upgrade more affordable. Whether you’re tackling storm damage repairs or planning a full renovation, Howard Roofing & Construction partners with trusted lenders to help homeowners cover essential improvements with predictable, low-stress monthly payments.
Below are examples of projects that commonly qualify for financing through HelloRates or Wisetack.
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.
Once you know what you’d like to finance, getting started is simple. Follow the three easy steps below to check your rates, choose your plan, and schedule your project.
How to Get Started
Getting financing for your roofing or remodeling project is easier than most homeowners expect. At
Howard Roofing & Construction, we’ve partnered with trusted programs like
HelloRates and
Wisetack to make the process simple, transparent, and fast — no hidden fees, and no pressure.
Financing your project doesn’t just make upgrades possible — it helps protect your home’s value while keeping your savings intact. Here’s why homeowners throughout
Wilmington and Coastal North Carolina trust Howard Roofing & Construction with both their craftsmanship and financing support.
Get Your Quote
Start with a free, no-obligation estimate from our team.
We’ll inspect your project and provide a detailed proposal outlining the full scope, materials, and pricing — from roof replacements and siding upgrades to kitchen remodels or additions. Having an accurate quote helps you see exactly what your project will cost before checking your financing options.
Check Your Rates
Once your quote is ready, choose either
HelloRates or
Wisetack to compare offers.
Both use a
soft credit check (no impact to your score) and return results in just minutes. You’ll see multiple offers side-by-side, including term lengths, monthly payments, and estimated APRs — giving you the flexibility to pick what fits your budget best.
Approve & Schedule
After you select your preferred financing plan, we’ll finalize your project details and schedule your installation. Whether it’s a roof replacement, deck build, or full remodel, you can move forward confidently knowing your payment plan is already in place.
Once approved, we handle everything from materials and permits to cleanup — so you can focus on enjoying your upgraded home.
Financing your project doesn’t just make upgrades possible — it helps protect your home’s value while keeping your savings intact. Here’s why homeowners throughout
Wilmington and Coastal North Carolina trust Howard Roofing & Construction with both their craftsmanship and financing support.
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.
Homeowners across Coastal North Carolina choose Howard Roofing & Construction because we deliver results that speak for themselves — and so do our customers.
What Wilmington & Southeastern North Carolina Homeowners Are Saying
Real feedback from the people who trust Howard Roofing & Construction to protect their homes and families.
Our client relationships don’t end at project completion—they begin there. Here’s how we make the process even easier with flexible financing options.
See How Simple Financing Can Be
Wondering how our financing works?
Watch this quick overview to see how easy it is to get approved and start your home improvement project right away.
Financing made simple, service made local — that’s the Howard Roofing & Construction difference.
Serving Wilmington & Southeastern NC
Howard Roofing & Construction proudly helps homeowners across
Wilmington and Southeastern North Carolina make essential home upgrades possible with
flexible roofing and remodeling financing options.
Our trusted financing partners — HelloRates and Wisetack — make 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.
👉 Ready to explore your options? Learn more about our
Roof Repair and
Roof Replacement services — or start your project today with flexible monthly payments.
Schedule Your Free Roofing Estimate in Wilmington Today!
From roof inspections and repairs to complete replacements,
Howard Roofing & Construction is the trusted choice for
roofing services in Wilmington NC. Our veteran-led team is fully insured, A+ BBB Rated, and certified by GAF, CertainTeed, and Fortified Roof standards. With flexible financing options and strong warranties, we make protecting your home
simple and stress-free.
📞 Call
910-540-7726
now to schedule your free roof inspection or estimate or schedule online.
Whether you’re dealing with
storm damage or planning a
proactive roof upgrade, our
certified roofing contractors in Wilmington NC are ready to deliver
craftsmanship, transparency, and dependable results
from start to finish.
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.
We’re proud to be certified and recognized by trusted organizations that set the highest standards of quality, safety, and reliability, including:
⭐⭐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.
Have questions about how our financing works? Check the answers below or get started with pre-qualification today.
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 roofing services.
Does checking rates affect my credit?
No — both HelloRates and Wisetack use a soft credit check for prequalification.
How long does approval take?
Usually about a minute; once approved, we can schedule your project right away.
Can I pay the loan off early?
Yes — neither option charges prepayment penalties.
What projects can I finance?
Roofing, siding, decks, windows, doors, and most remodeling projects.
Can financing be used with insurance claims?
Yes — many homeowners use financing to cover deductibles or upgrades beyond their claim.
What loan terms and limits apply?
HelloRates and Wisetack each offer different term ranges and amounts based on approval and credit profile.
Howard Roofing & Construction — Building With Integrity, Supporting Our Community