Protect your home now. Pay over time.

Financing questions Wisconsin homeowners ask

Does checking my financing options affect my credit score?

No. Prequalifying through our financing partner uses a soft credit inquiry, which does not affect your credit score. You only move to a full application — and a hard inquiry — if you decide to move forward with the loan after seeing what you qualify for.

How long does the application take?

The prequalification form takes about 60 seconds and most homeowners get a decision back in minutes rather than days. You can complete it from your phone before, during, or after your free estimate — there is no requirement to apply at the kitchen table while someone watches over your shoulder.

What kinds of projects can I finance?

Any of our exterior work: full roof replacement, roof repairs, LP SmartSide and vinyl siding, standing seam metal roofing, synthetic slate and shake, replacement windows, seamless gutters, soffit and fascia, and flat or low-slope roofing. Financing can cover a single trade or a full exterior package on the same project.

Can I finance my insurance deductible or the gap on a storm claim?

Financing can be used toward any out-of-pocket portion you are responsible for, including your deductible or upgrades beyond what the carrier approved. What we will not do is waive, absorb, or rebate a deductible — that is insurance fraud in Wisconsin, and any contractor offering it is telling you exactly how they run their business.

Is there a prepayment penalty if I pay the loan off early?

Terms vary by the plan you are approved for, so always read the disclosure before you sign. Many of the plans available — including same-as-cash options — are specifically designed so homeowners can pay the balance early. Ask us before you sign and we will point you to the exact terms on your offer.

Do I have to finance the whole project?

No. Plenty of homeowners pay part in cash and finance the remainder, or use insurance proceeds for the approved scope and finance only the upgrades they chose to add. You decide how much of the contract price goes on the loan.

What credit score do I need to qualify?

There is no single cutoff we can promise you — all financing is pending credit approval by the lender, not by us. That said, our lender works with a generous credit threshold designed to approve more homeowners than a typical bank loan, and the soft-pull prequalification tells you where you stand with no risk.

Is financing available across your whole service area?

Yes. Financing is available on projects anywhere we work in Southeast Wisconsin — Dodge, Fond du Lac, Washington, Ozaukee, Waukesha, and Jefferson Counties, including Brownsville, Fond du Lac, Beaver Dam, Watertown, Mayville, Hartford, West Bend, Richfield, Waupun, Lomira, and Campbellsport.

Should I finance the project or wait and save up?

If the roof is still keeping water out, saving is a reasonable plan. If it is leaking, storm-damaged, or the decking is going soft, waiting is usually the expensive choice — water damage compounds into decking, insulation, drywall, and mold, and none of that is covered by a roofing warranty. We will tell you honestly at the estimate which situation you are in.

AM Exteriors LLC is not a lender. All financing is provided by a third-party lending partner and is subject to credit approval; rates, terms, and promotional offers are set by the lender and may change. Review your loan disclosure carefully before signing.