Flexible Home Improvement Financing Wilmington NC | Wisetack
Fast, simple financing for your next roofing or remodeling project with Wisetack.
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.
Quality craftsmanship meets flexible financing — and with Wisetack, applying only takes about a minute with no impact to your credit.
The Smart Way to Finance Your Next Home Project
Wisetack gives homeowners in Wilmington and surrounding areas a simple, flexible way to finance roofing, remodeling, or repair projects. There’s no hard credit pull, no compounding interest, and no hidden fees — just fast, honest options built for real home improvement budgets.
When you prequalify with Wisetack, you’ll instantly see your available plans, so you can choose the one that fits your needs best.
Why Homeowners Choose WISESTACK
Fast, transparent, and built for real home improvement budgets — Wisetack makes it simple to finance your next project with clear terms, flexible options, and no surprises.
Below are just a few reasons homeowners across Wilmington and Coastal NC trust Wisetack:
Finance projects from $500 – $25,000*
Wisetack offers flexible financing for most roofing, remodeling, and repair projects within this range, helping homeowners move forward confidently.
Terms from 3 to 60 months*
Choose repayment options that match your budget and timeline — shorter terms to pay off faster or longer terms for lower monthly payments.
APRs from 0% – 35.9%*
Competitive fixed-rate financing with straightforward pricing and no compounding interest, so you always know what you’ll pay.
No hidden fees or penalties
There are no origination fees, prepayment penalties, or deferred-interest surprises — just simple, honest financing.
Instant approvals
Complete the quick application and receive real offers in about a minute — no waiting or long forms.
With Wisetack, you can start your home improvement project now and pay over time with straightforward terms and trusted support.
Next, see how quick the process really is — here’s how Wisetack works step by step.
Split your purchase into low monthly payments
How to Get Started
Getting approved through Wisetack is quick, secure, and hassle-free. There’s no hard credit check, no hidden fees, and no paperwork — just a few simple steps to get started.
No pressure, and no hidden fees — just a simple process that helps you start your project with confidence.
Prequalify Online
Click
“Prequalify Now” to open Wisetack’s secure application. Checking your options won’t affect your credit score and only takes about a minute.
View Your Offers
Instantly compare your available payment plans and terms. Choose between multiple lenders and find the option that best fits your budget.
Approve & Begin Your Project
Select your preferred plan and we’ll schedule your roofing or remodeling project immediately. Simple, transparent, and ready to go.
No pressure, no surprises — just straightforward financing options for Wilmington homeowners.
Want to estimate your monthly payment before applying? Use the Wisetack estimator below.
Wisetack RATES MONTHLY PAYMENT Calculator
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
Wisetack approval.
Estimates are provided by Wisetack. All financing is subject to credit approval. Terms and limits may vary.
Once you have an idea of your budget, it’s time to see how Wisetack can help you finance your home improvement project.
Scan to check your personalized Rates
(soft credit check—won’t impact your score)
What You Can Finance With HelloRates
Whether you’re replacing a roof, remodeling a kitchen, or repairing storm damage, Wisetack can finance nearly any home improvement project.
Below are examples of projects that commonly qualify for financing through 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.
Whether it’s a quick $500 repair, a mid-size update, or a full renovation up to $100,000, HelloRates scales with your project and keeps payments predictable.
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 — Wisetack — 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 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 your home improvement projects with confidence.
You can count on Howard Roofing & Construction for honest communication, reliable workmanship, and trusted financing options through Wisetack.
👉 Learn more about our Roofing Services or Remodeling 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
We’ve answered a few of the most common questions about Wisetack financing so you can feel confident before you apply.
What kinds of projects qualify for Wisetack financing?
Most roofing, remodeling, and home improvement projects between $500–$25,000 can be financed.
Does applying impact my credit score?
No. Checking your options with Wisetack is a soft pull and will not affect your credit.
How long does approval take?
Most applications are approved instantly, with funds often available the same day.
Can I pay off my financing early?
Yes. Wisetack charges no prepayment penalties — you can pay off early at any time.
Are 0% APR options available?
Yes, promotional terms may include 0% APR financing for qualifying projects and customers.
Don’t delay your roofing or remodeling project
Finance it with Wisetack and spread payments out over time.
Howard Roofing & Construction — Building With Integrity, Supporting Our Community.