Question 1

Who is HPR retail financing for?

Accepted Answer

The program is for qualifying retail roofing projects that are not being paid through an insurance claim. Approval, available terms, lender, project scope, and final payment depend on the applicant and the project; applying does not guarantee approval or a particular offer.

Question 2

Does pre-qualification affect my credit score?

Accepted Answer

Wisetack pre-qualification uses a soft credit inquiry, which does not affect your credit score. If you choose to continue with a specific loan product, any additional credit step and its effect are disclosed by the lender before you commit.

Question 3

Will I be approved, and what terms will I receive?

Accepted Answer

No approval or term is guaranteed. The lender evaluates the applicant and project, so the available APR, term, payment, down payment, and project scope can vary. Review the lender-provided offer before signing anything.

Question 4

Can financing cover the whole roof project?

Accepted Answer

A lender may approve some or all of an eligible retail project, but the approved scope and final payment depend on the applicant, project, lender, and contract. Do not assume upgrades, deductibles, or every project cost will be included.

Question 5

Is retail financing the same as insurance-claim funding?

Accepted Answer

No. Retail financing is a lender option for a homeowner-funded project when there is no insurance claim. An insurance claim follows your policy and carrier process; coverage, claim approval, deductible, and payment come from the carrier and are not promised by HPR or this financing program.

Question 6

Are 0% financing or $0 down available to everyone?

Accepted Answer

No. Promotional terms such as 0% or $0 down may be available only to qualifying applicants and eligible projects, if offered by the lender at the time you apply. They are not universal and are subject to lender approval and the disclosed terms.

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