Roof Financing Options in New Jersey
Clifton-based, NJ HIC #13VH11720500. 2-year roof repair warranty.
- 5.0 rating on Google
- NJ HIC #13VH11720500
- Free, no-obligation estimates
We at Four Seasons Roofing and Construction offer 0% financing and a $500 senior and military discount. Ask when you get the estimate and we walk through the term and what the monthly figure looks like against the itemized total. Mention the discount when you call (862) 318-3997 so it is on the estimate from the start.
A roof is rarely a planned purchase, and the first sign is usually a stain on a ceiling. Zero-percent financing is available at Four Seasons Roofing and Construction, and there is a $500 senior & military discount.
The Itemized Estimate Is Part of This
The itemized estimate matters before financing comes up. Venting and flashing are priced apart from the shingle price, and a different shingle tier is its own line, so you can see what each decision costs and change it.
Zero-Percent Financing
0% financing available. Ask when you get the estimate and we will walk through what it means for your job specifically, including the term and what the monthly figure actually looks like against the itemized total.
Senior and Military Discount
$500 senior & military discount. Mention it when you call (862) 318-3997 so it is on the estimate from the start. Every current offer is listed plainly on the offers page.
Questions about financing? Call (862) 318-3997 and ask.
Insurance and Storm Damage
If a storm is involved, the money may not be a financing question at all. We document damage during the inspection so a claim has what an adjuster needs. If the roof is worn out from age, we tell you that.
Repair Instead of Replacement
The cheapest outcome is often that you do not need a new roof yet. A fair number of the roofs we inspect have years left and the leak is flashing or a pipe boot, and we say so when that is the case.
What the Warranties Cover
We at Four Seasons offer a 50-year warranty on roof replacement and a 2-year warranty on roof repair. Review the written coverage, exclusions and claim procedure alongside the financing agreement. The repayment terms and warranty terms address different obligations.
What the Job Is Likely to Run
Most New Jersey roof repairs land between $400 and $2,000, and HomeAdvisor reports a $1,171 national average across more than 30,000 jobs. Full replacements are the purchase that usually raises the financing question.
Instant Roofer puts the 2026 New Jersey average near $11,900 for a 1,928 square foot asphalt roof. HomeAdvisor tracks most NJ projects around $15,000 inside a wide $10,000 to $80,000 full range. Our repair cost guide and replacement cost guide cite every source, so you can check the number you finance against New Jersey market figures before you sign anything.
Ready for a price? Estimates are free.
How the Estimate Conversation Goes
Kenney's review on our Google profile describes the process: a written estimate, a verbal explanation of what was needed and how the repairs would be made, and a full inspection first to make sure there was not more damage than it initially appeared.
The inspection tells us what the roof needs, the itemized estimate prices each piece, and only then does payment come up. Pricing a job before the inspection can leave a financed job paying interest on change orders.
What Customers Say on Google
5.0 average rating
Selected Google reviews. Read all reviews on Google below.
“We used 4 Seasons Construction to complete our siding on our new addition. Ben and his team did a great job. They showed up on time, worked hard, cleaned up, and completed the projects quickly and as scheduled. They are extremely professional and accommodating! We look forward to working with them again!”
“We just had a complete roof repair done for our home done by four season construction. Ben did an excellent Job from start to finish. Everyone is very nice they answer all our concerns and leave an excellent finished roof! Thank you we appreciate it.”
“amazing service! they helped me prepare and install my ventilation for my attic this past weekend and I couldn’t be happier with the job they’ve done. punctual, professional, and the service was 10/10. would recommend them to everyone if I could!”
What Backs the Work
Licensed in New Jersey
NJ HIC #13VH11720500, registered to FOUR SEASON CONSTRUCTION INC. You can look it up on the New Jersey Division of Consumer Affairs register before you hire anyone, including us.
2-year roof repair warranty
Roof repair carries a 2-year warranty, and roof replacement carries a 50-year warranty. Request the written coverage, exclusions and claim procedure for your project.
Products we install
We install GAF and Owens Corning materials. We are not currently enrolled in their contractor certification programs and do not claim to be.
Rated 5.0
The average across every Google review homeowners in North Jersey have left us.
Questions about financing? Call (862) 318-3997 and ask.
How a Job Actually Runs
You reach out
Call (862) 318-3997 or send the form. We only need the address and what you are seeing.
Free inspection
Four Seasons comes out to look at the roof, and the inspection is free with no obligation to hire us.
We photograph what we find
You see photos of the problem, such as a cracked boot or a rusted valley.
Written itemized estimate
The material tier and the decking allowance are broken out as their own numbers, so you can change any of them before you sign.
The work
We install GAF and Owens Corning roofing systems. Bad boards get replaced as we find them and photographed one at a time.
After the job
Decking is billed against the allowance written into the contract. Our roof repairs carry a 2-year warranty, and roof replacements carry a 50-year warranty. Ask to review the written coverage.
Where We Work From
Our base is 38 Speer Ave in Clifton, just off Route 3 by the Garden State Parkway exits 153 to 155. The service area covers Passaic, Bergen, and Essex County and stretches into Union, Somerset, and Warren County towns as well.
We are registered with the New Jersey Division of Consumer Affairs as a home improvement contractor, NJ HIC #13VH11720500, and install GAF and Owens Corning product lines.
Questions We Get Asked
Can you get financing for a new roof?
0% financing available. Ask when you get the estimate and we will explain the term and what it means against your itemized total.
How does roof financing work?
0% financing is available. Ask when you get the estimate and we will explain the term and what it means against your itemized total.
Get a free roof estimate
We inspect first and photograph what we find, then give you an itemized number in writing. There is no obligation, and 0% financing is available.
- Free inspection before any quote
- Written estimate, itemized line by line
- 2-year roof repair warranty
Rather talk it through? (862) 318-3997