★★★★★4.8 Rating1,100+ Reviews

Free Estimate · No Obligation · Financing Available

Get a Brand New Roof + $1,000 Cash for $0 Down & Payments as Low as $115/month.

90% of Homeowners Approved with a 550+ Credit Score. No Cash or Insurance Required. See if You Qualify:

🔒 No hard credit pull. No obligation. Just us reaching out — not a dozen random companies blowing up your phone.

Step 1 of 4

How would you describe your current roof situation?

✓No hard credit pull✓$0 down to start✓Approvals from 550
⭐4.8 Stars · 1,100+ Reviews·
✓Licensed & Insured·
🏠1,000+ Roofs Completed·
📍Serving Your Area·
🏅GAF Certified Plus·
💰Financing Starting at $0 Down·
⚡Same-Day Approvals·
🛡50-Year Warranty Available·
⭐4.8 Stars · 1,100+ Reviews·
✓Licensed & Insured·
🏠1,000+ Roofs Completed·
📍Serving Your Area·
🏅GAF Certified Plus·
💰Financing Starting at $0 Down·
⚡Same-Day Approvals·
🛡50-Year Warranty Available·
⭐4.8 Stars · 1,100+ Reviews·
✓Licensed & Insured·
🏠1,000+ Roofs Completed·
📍Serving Your Area·
🏅GAF Certified Plus·
💰Financing Starting at $0 Down·
⚡Same-Day Approvals·
🛡50-Year Warranty Available·

The Cost of Waiting

A Small Problem Today Becomes a Very Expensive Problem Tomorrow

Most homeowners don't ignore their roof on purpose. They put it off because the timing doesn't feel right — money is tight, life is busy, and the damage doesn't seem that bad yet. But roofs don't wait. Every rain cycle, every freeze-thaw, every season you delay compounds the damage and the cost.

Right Now
$0K

Minor leak, surface damage. Straightforward repair or replacement. Problem is contained.

Act Now
6–12 Months
$0K

Water has reached the decking and insulation. Structural damage beginning. Mold risk is real.

Getting Worse
12–24 Months
$0K+

Structural compromise, interior damage, potential health hazards. May affect home value and insurability.

Critical

The financing exists specifically so the "right time" doesn't have to be some future version of your finances. The right time is before it gets worse.

See My Financing Options — It's Free →

No hard credit pull. No obligation.

Financing Options

Don't Let Budget Be the Reason Your Roof Keeps Getting Worse

Most homeowners who call us assume financing isn't going to be an option for them. They've been turned down before, or they just assume their situation won't qualify. Here's what they find out:

We've helped homeowners get approved with credit scores starting at 550. Not as an exception — as a normal part of what we do every day. We work with multiple established lending partners because we want options for real homeowners, not just those with perfect credit.

$0

Down to get started on qualifying projects

0%

APR financing available on qualifying purchases

12mo

No payments for up to 12 months available

Same Day

Approval decisions in most cases

The Process

Here's How It Actually Works

01

Fill Out the Short Form

Takes about 60 seconds. No credit pull just to see your options.

02

We Schedule Your Free Estimate

One of our team reaches out by call or text — just us, not a list of contractors.

03

We Walk You Through Financing

After your estimate we show you exactly what's available. No pressure. Real numbers.

Get My Free Estimate →

$0 down. Same-day decisions. Just us reaching out.

What You're Getting

Premium Materials. Backed by the Best Warranty in Roofing.

Financing doesn't mean cutting corners on materials. Every roof we install uses manufacturer-grade products — and as a GAF Certified Plus contractor, we're factory-trained and vetted to install them correctly.

🏅

GAF Certified Plus Contractor

Factory-trained. Background-checked. Vetted by the largest roofing manufacturer in North America. Most contractors in your area don't qualify.

Most Popular
GAF Timberline HDZ® Shingles material
🛡

GAF Timberline HDZ® Shingles

The #1 selling shingle in North America. StainGuard Plus, LayerLock technology, and a 50-year warranty when installed by a GAF Certified Plus contractor. What we install on most full replacements.

50-Year Warranty
Metal Roofing material
⚡

Metal Roofing

50+ year lifespan, virtually zero maintenance. Energy-efficient and impact-resistant — handles extreme weather better than any shingle on the market. Built to last a lifetime.

50-Year Warranty
Flat Roofs material
🏠

Flat Roofs

TPO and modified bitumen systems for low-slope and flat roof applications. Fully sealed, UV-resistant, and properly drained. We handle residential flat roofs the right way.

Manufacturer Warranty Included
Decking & Underlayment material
🌡

Decking & Underlayment

Premium synthetic underlayment and decking inspected or replaced on every job. What's underneath matters as much as what's on top — we don't skip this step.

Full System Installation

The Roof You Finance Today Is Protected for Decades.

Most homeowners assume warranties are the same across contractors. They're not. As a GAF Certified Plus contractor, we install complete roofing systems — which activates the full manufacturer warranty. A roofer without certification can install the same shingle and void it entirely.

50Year Warranty Available
Get My Free Estimate + Financing Options →

GAF Certified Plus installation. No obligation to move forward.

What Homeowners Are Saying

Real People. Real Roofs. Real Results.

Real reviews from families who got their roofs fixed without breaking the bank.

★★★★★4.8from 1,100+ reviews
Jennifer M.
✓Verified Customer

Jennifer M.

March 2023

★★★★★
"

I thought I'd have to wait years to save up for a roof replacement. When they told me I could get it done with $0 down and payments under $120/month, I couldn't believe it. Been paying less than my cable bill and my roof hasn't leaked once since.

"payments under $100/month — less than my cable bill"

✓$0 Down Financing
David K.
✓Verified Customer

David K.

January 2024

★★★★★
"

My credit isn't perfect, so I figured I'd get denied for financing. Got approved in like 10 minutes. They said they work with people in my situation all the time. $124 a month. Was spending more than that on temporary patches anyway.

"Got approved in like 10 minutes"

✓Approved with 540 Credit Score
Sarah T.
✓Verified Customer

Sarah T.

November 2022

★★★★★
"

Insurance denied my claim. Thought I was screwed. They told me they don't need insurance, just set me up with their financing partner. Zero down. Been 18 months, no leaks, payment is $136/month.

"Zero down. 18 months. Not one leak."

✓No Insurance Required
Join Hundreds of Homeowners — Get Your Free Estimate →

No hard credit pull. Approvals starting at 550. Just us reaching out.

Our Work

Real Jobs. Real Homes. Real Results.

Every job below was financed with $0 down. Every homeowner was approved. Here's what we actually did.

Full Roof Replacement
✓Verified Job

Full Roof Replacement

✓ $0 Down · Approved in 24hrs

Homeowner had active leaks in two rooms after a hail storm. Insurance denied the claim. We replaced the full roof with architectural shingles, handled all permits, and had the crew on-site within 4 days of approval. Financing locked at $120/month.

1,800 sq ftJob Size
2 DaysTimeline
$120/moMonthly Payment
Storm Damage Repair
✓Verified Job

Storm Damage Repair

✓ 540 Credit Score · Approved

Wind damage had lifted a section of the roof over the garage. Water was getting into the attic. The homeowner assumed their credit score would disqualify them — they were approved same day. Repairs completed before the next rain system moved in.

Partial + GarageJob Size
1 DayTimeline
$136/moMonthly Payment
Full Replacement + Gutters
✓Verified Job

Full Replacement + Gutters

✓ No Insurance · $0 Down

Roof had been patched three times over five years — over $4,000 spent on band-aids. We replaced everything including the gutters and added a 50-year warranty. The homeowner said the new payment was less than what they'd been spending on patches annually.

2,400 sq ftJob Size
2 DaysTimeline
$159/moMonthly Payment
Get a Free Estimate for Your Home →

No hard credit pull. Approvals starting at 550. $0 down.

Common Questions

Everything You're Probably Wondering

We work with multiple lending partners specifically to cover a wide range of credit situations. We've helped homeowners get approved with scores starting at 550. Every application is reviewed individually, and many people qualify who assumed they wouldn't. The only way to know is to check — and checking doesn't require a hard pull on your credit.
No. Getting your free estimate and exploring financing options does not require a hard credit inquiry. A hard pull only happens if you move forward with a financing application — and we walk you through that process clearly before anything happens.
Most customers go from initial estimate to completed roof within 5–10 days. Financing approvals are typically same-day. We work quickly because we know a damaged roof isn't something you want to live with any longer than necessary.
It depends on the cause of the damage. Storm damage, hail, and wind are commonly covered by homeowner's insurance policies. During your free estimate, we'll help you understand whether an insurance claim makes sense for your situation — and if it does, we'll walk you through that process too.
One of our team members will reach out — by call or text — to schedule your free estimate. It's just us contacting you, not a list of contractors. From there we come to your home, assess the roof, and walk you through your options including pricing and financing. No pressure, no obligation.

Don't Wait

The Roof Isn't
Going to Fix
Itself.

Every week you wait is another week of damage stacking up. Financing makes the timing less of a reason to delay. Get your estimate, see your options, and make a decision with real numbers in hand.

Get My Free Estimate →
✓No hard credit pull✓$0 down to start✓Approvals from 550

AMBIA ROOFING

GAF Certified Plus Contractor

Licensed & Insured · Serving Your Area

Contact

385-396-4957

Call or text — just us, not a call center.

Get Free Estimate →

© 2026 Ambia Roofing. All rights reserved. Licensed & Insured. Financing subject to credit approval. Minimum credit score requirements, terms, and conditions vary by lender. 0% APR and deferred payment options available on qualifying purchases. Monthly payment amounts depend on loan amount, term, and approved rate. See representative for complete details. This page is not a guarantee of financing approval.