Same-Day Approval
Most partner-lending applications get a decision within minutes. We will not start demo or order materials until your financing is confirmed, so there is never a payment surprise.
Financing
Easy financing for your new Tampa Bay roof.
Same-day approval. PACE, FHA, and insurance-coordinated pay plans. No large deposit, no high-pressure sales.
Why financing matters
Leaks, wood rot, and insurance gaps don't wait.
A compromised roof voids your homeowner's insurance faster than any other building component in Florida. Insurance premiums climb every year an aging roof is left in place. Delay is not free.
The good news: most Tampa Bay homeowners never pay for a new roof out of pocket. Between insurance coordination, PACE financing, state grants, and partner lending, we'll find the right combination for your situation. Then we install it in 1 – 2 days with full cleanup.
Integrity Pro Tip
Need speed? Start here.
Our partner-lending track approves most applications in 24 hours. If your roof is leaking or your insurance claim is active, skip the government programs and call us first. We coordinate both.
Programs
Every legitimate Florida financing path.
Compare the six programs we work with. We'll match you to the right one (or combine a few) during your inspection.
| Program | Type | Key Features | Eligibility | Best For |
|---|---|---|---|---|
| GreenSky | Partner Lending | Credit-based home improvement financing with multiple loan options through participating lenders. Fast approval, no large deposit, flexible terms. Subject to credit approval. | Best rates for strong credit, with a range of loan options for many budgets, subject to lender approval. | Homeowners who want fast approval and predictable monthly payments. |
| Ygrene (PACE) | PACE / Property-Assessed | PACE financing for eligible Florida home improvement projects, repaid through your annual property tax bill. Subject to program approval and property eligibility. | Qualifies on home equity and property rather than credit score alone. Florida properties only. | Homeowners with equity who prefer repayment through their property tax bill. |
| My Safe Florida Home | State Grant | Up to $10,000 matching grant for hurricane-hardening retrofits. Non-repayable. We provide the estimates, license information, and documentation needed for eligible mitigation work. | Single-family homestead, wind-mitigation inspection required, program funding contingent. Confirm current eligibility with the program directly before signing. | Homes needing hurricane strap or roof-deck upgrades as part of a replacement. |
| HELOC / Home Equity Loan | Bank Lending | Variable rate tied to the prime rate, currently 6.75% (plus a lender margin). Interest often tax-deductible when used for home improvement. | 680+ credit, 20%+ home equity, 2 – 6 weeks underwriting. | Homeowners with equity and higher credit who want the lowest total interest cost. |
| FHA 203(k) Rehab Loan | Federal-Backed | Rolls roof replacement into a refinance or new home purchase. 7% – 8% typical APR. | 580+ credit; owner-occupied primary residence; FHA-approved contractor required. | Homeowners refinancing or buying a home that needs an immediate roof replacement. |
| FHA Title I Home Improvement Loan | Federal-Backed | HUD-insured loan for a roof-only project. Up to $25,000 on a single-family home, fixed rate, terms up to 20 years. No home equity required. | Flexible credit; owner-occupied or rental. Loans over $7,500 are secured by the home; no existing FHA mortgage needed. | Homeowners with little or no equity who want a fixed, government-backed loan for the roof alone (no refinance). |
Financing is offered through independent third-party lenders and financing programs. All loans, lines of credit, financing terms, interest rates, collateral requirements, and approvals are determined solely by the participating lender and are subject to credit approval and the lender's underwriting requirements. Integrity Roofing of Florida LLC is not a lender, does not underwrite or approve loans, and does not guarantee approval of financing or any specific financing terms.
What makes us different
Why Tampa Bay chooses us for financed roofs.
Insurance-First Approach
If your roof qualifies for an insurance claim, we will document it for your carrier before talking financing. Most Tampa Bay claims cover 55 to 70% of the replacement cost. Financing fills only the gap.
No Pressure, Ever
We give you written quotes and the financing options in plain English. We do not stack same-day discounts that pressure you into signing on the driveway.
FAQs
Financing questions Tampa homeowners ask us.
Do I need to pay anything upfront?
No. Most of our financing partners require $0 down and will approve you in under 24 hours. The one exception is insurance-paid replacements, where your deductible is due once the claim is approved.
What credit score do I need?
It depends on the product. Our partner lenders can approve prime credit (680+) in minutes. For scores 580 – 679 we route you to PACE or FHA 203(k), which qualify on home equity and property history rather than credit alone. Credit scores below 580 still have options. We will walk you through what is realistic.
How long does financing take from application to install?
Partner lending: 24 – 48 hours to approval and funds released on install completion. PACE: 2 – 4 weeks because it requires a county lien recording. HELOC or 203(k): 3 – 6 weeks for underwriting. We start the roof only after funds are confirmed.
Can I combine insurance with financing?
Yes, and it is the most common path for storm-damage replacements. Your insurance covers the approved scope and we finance the deductible plus any out-of-scope upgrades (like an upgraded underlayment or impact-rated shingles). We document the damage with photos and an itemized estimate you provide to your carrier, and we are glad to meet your adjuster on-site. You file and manage the claim with your insurer.
What happens if I sell the home before the loan is paid off?
Partner loans and HELOCs are paid off at closing from sale proceeds, the same as a mortgage. PACE is different. It stays with the property, and the new buyer assumes the remaining assessment. Many buyers see this as a positive because the roof is already upgraded.
Do you handle all the paperwork?
Yes. We coordinate directly with the lender, submit the job scope and cost, and the funds are released to us once the work is completed and inspected. You sign digitally; there is no stack of forms to chase.
Reviews
Homeowners we've helped finance.
★★★★★
5.0 on Google
Rated 5.0 on Google by verified Tampa Bay homeowners.
Read All Reviews on Google Google Reviews
★★★★★
5.0
Across 30+ verified reviews
Jose Hernandez
★★★★★
After receiving quotes for several roofing companies, I decided to go with a company other than Integrity Roofing of Florida. My decision was primarily based on the fact they were referred by a friend and offered a slightly lower cost. After six months, my roof was still not complete, and to make matters worse, my roof was leaking. I called Bettina at Integrity Roofing, and she determined that the company I had contracted with was not fully licensed and could not even pull a permit. I am so thankful to Bettina and the staff at Integrity Roofing. They took over the job, pulled the permit, and had the roof completed in a matter of days.
Sisi Molette
★★★★★
My roof suffered damage during Hurricane Milton. Multiple roofing companies came out and the quotes were outrageous. Some were even pressuring me to open a claim against my home insurance for the minor damage. I really enjoyed working with Integrity Roofing of Florida due to the exceptional customer care and great level of communication. They gave me a fair price and completed the work in a timely manner. Highly recommend them for your next home project.
Jacqueline Toledo
★★★★★
As a realtor in the Tampa Bay Area, I have had the opportunity to work with many roofing companies. However, I decided to use Integrity Roofing to replace my own roof as I have personally seen the quality work they have done for my clients. As picky as I tend to be, I was very happy and greatly satisfied with the end result. My roof looks beautiful. I will definitely continue to refer Bettina Savorelli and Mike Sheppard with Integrity Roofing to all of my clients.
