At 3G Home Exteriors, we make it easy to upgrade your home with affordable financing options. Spread out the cost of your roofing, siding, gutters, windows, or painting project with flexible plans designed to fit your budget.
A roof or a re-side is one of the larger bills a house produces, and it usually arrives without much warning. Almost everyone pays one of these four ways, and they are not interchangeable.
Which of those is right depends on your situation, not on the job. We are a roofing and siding company, not a lender and not financial advisors, so we will lay out the project price in writing and leave that decision where it belongs.
This is the single thing most worth understanding before signing any contractor financing, because two offers that read almost identically can behave very differently.
True zero percent means no interest accrues during the promotional period. If a balance remains at the end, interest starts from that point on what is left.
Deferred interest means interest is being calculated the whole time and simply not charged yet. If the balance is not cleared in full by the end of the promotional period, the accumulated interest is added retroactively, from day one, on the original amount. A balance of a few hundred dollars at the deadline can trigger a charge of well over a thousand.
Both are legal and both are common. The difference is in the agreement, not the advertisement, and it is the first thing to look for.
Ask these of any lender, whether the paperwork comes through us or through anyone else.
A quote should be the same number whether you pay cash or finance it. If a price moves when you mention financing, that is worth asking about before anything else is discussed.
Our estimates are itemised: what is being replaced, what is being repaired, what we are deliberately leaving alone, and a unit price for anything we might find once the work is open. That is what makes a quote comparable against another contractor, and it is what makes a financing decision a decision rather than a guess.
Before financing anything, it is worth establishing whether it is an insurance matter. Sudden damage from wind, hail or a fallen limb is often a claim; wear from age is not. Those are different conversations and they have different answers.
We document what we find and give you what an adjuster needs. What we will not do is tell you a claim exists when it does not. Our storm damage page covers how that works.
No. We are the contractor, not the lender. Approval, the rate and the terms are set by the finance company, and we have no part in that decision.
That depends on your rate, your timeline and how you feel about securing the debt against the house, and we are not financial advisors. What we can tell you is the project price in writing, early enough that you have time to compare properly rather than deciding in a driveway.
It should not, with us or with anyone. The quote is the quote. If a contractor’s price moves when financing comes up, ask why before you go further.
That is why our estimates carry unit prices for the common surprises, such as replacing sheathing or fascia. You know the rate before we open anything, and nothing gets added without a conversation first.
Before financing is worth discussing, you need to know what the work actually costs. The on-site inspection and the written, itemised scope are free, whether you go ahead or not.
Request a free estimate or call (586) 533-8343.
