Can I finance a new roof with no money down?

Yes. United Developers offers $0-down financing options on approved credit, with terms from 12 to 180 months across Maryland.

Can I finance just my insurance deductible?

Yes. On approved storm-restoration claims, many homeowners finance only their deductible — typically $1,000–$2,500 — turning a surprise expense into a small monthly payment.

Does applying for roof financing hurt my credit?

Pre-qualification uses a soft credit pull that does not affect your credit score. A hard inquiry only happens if you proceed with a full application.

Roof Financing · Approved in Minutes

$0 down. New roof today, pay monthly.

Don't let a roof emergency wreck your savings. Flexible terms from 12 to 180 months, fast approval — and soft-pull pre-qualification that does not affect your credit score. See your numbers, and if you don't like them, walk away. You keep the free inspection report either way.

Check My Options — Free →Calculate My Monthly Payment →(240) 880-2108

★★★★★

"I can't speak highly enough of United Developers. They did an amazing job dealing with a difficult insurance company and fixing our home at very little cost to us. Our house looks beautiful."

— Maryam Nozary · verified Google review

★★★★★ 4.9 · 139 Google ReviewsGAF CertifiedA+ BBBMHIC #111971 · Licensed in Maryland

How It Works

Three ways DMV homeowners pay for a roof

Insurance pays — you pay the deductible

Storm damage? On approved claims, insurance covers the roof and your out-of-pocket is typically just the deductible — usually $1,000–$2,500. We document the damage, give you a line-item estimate to submit, and meet your adjuster on site — you stay in control of the claim.

$0 down monthly financing

No storm? No problem. Finance the full project with $0 down on approved credit — terms from 12 to 180 months. Third-party lenders may finance your own out-of-pocket project costs. United Developers never pays, waives, rebates, or absorbs any insurance deductible — doing so is prohibited by law.

Pay as you go

Prefer cash or card? Standard schedule on insurance work is half at the first insurance check, half at the final — never large sums up front. That's how a licensed contractor is supposed to operate.

Why It's Safe

Financing without the games

Soft-pull pre-qualification

Checking your options never affects your credit score. A hard inquiry only happens if you move forward.

No prepayment penalty

Pay it off early any time. Many homeowners use financing as a bridge until an insurance check clears.

Real numbers at your table

Your inspector shows exact payment options during the free inspection — no bait rates, no "call for pricing."

Licensed & accountable

MD MHIC #111971 · GAF-certified · A+ BBB · 4.9 average across 139 reviews. We're here after the install.

Financing subject to credit approval through our third-party lending partners. Terms, rates and availability vary by applicant and project. United Developers is not a lender. Ask your inspector for current programs and full disclosures.

Find out what your roof costs per month — not just per project.

Free inspection, real photos, real numbers, and every payment option on one sheet of paper. Zero obligation.

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Financing Disclosures

Representative example: $15,000 financed at 9.99% APR for 120 months = approximately $198/month. Total of payments approximately $23,760. Your actual rate, term, and payment depend on the lender, your credit, and the amount financed.

All financing is provided by independent third-party lenders on approved credit. United Developers is a home improvement contractor, not a lender, broker, or financial advisor, and does not make credit decisions or set rates. Rates, terms (12–180 months), and $0-down availability vary by lender and applicant and are subject to change. Not all applicants will qualify.

Pre-qualification uses a soft credit inquiry that does not affect your credit score. If you proceed with a full application, the lender may perform a hard credit inquiry, which can affect your score.

Insurance note: Financing may be used to cover a customer’s own out-of-pocket costs, including a deductible the customer is responsible for paying. United Developers does not pay, waive, rebate, absorb, or offer any credit for any insurance deductible, and does not negotiate or adjust insurance claims. Doing so is prohibited by law in Maryland.