Licensed & Insured in Virginia · Class A License #2701036327 · Serving Central VA Since 1987
Roof Financing — Lynchburg · Roanoke · Charlottesville VA
Melvin T. Morgan Roofing offers honest, flexible financing so a failing roof doesn't become a financial crisis. Low monthly payments, 0% interest options, and no pressure sales tactics — ever.
Simple & Transparent
No confusing paperwork. No surprise fees buried in fine print. Here's exactly what to expect from your first call to the day your new roof is installed.
01
We come to your home at no charge and tell you honestly whether you need a full replacement, a repair, or nothing at all — before financing is ever discussed.
02
Your rep walks you through available loan plans — real monthly payment estimates, actual interest details, and term lengths. Just numbers you can compare.
03
Our partner, Service Finance Company, handles the loan — with decisions often returned the same day. No waiting weeks for an answer.
04
Once approved, we schedule your installation quickly and you get manageable monthly payments instead of one painful upfront bill.
Available Loan Plans
We offer financing through Service Finance Company — a nationally recognized, FHA Title I-approved lender with 50+ homeowner-friendly plans. Your sales rep matches you to the plan that fits your actual budget.
6 or 12 Month Same-As-Cash
Pay the exact same amount you would in cash — just broken up over 6 or 12 months with zero interest, as long as you pay it off within the promotional period.
6 or 18 Month Deferred
Defer all payments for a set period. Interest accrues during deferral but is waived if you pay the full balance before the promotional window closes.
Short & Long Term Options
Spread your roof replacement over a longer period with a reduced interest rate. Fixed monthly payments make budgeting straightforward.
Credit card payments subject to a 3% convenience fee · All financing subject to credit approval · Speak to a sales rep for full terms.
Our Philosophy on Financing
For years, if a homeowner needed help covering the cost of a roof replacement, we pointed them toward their local bank. And we still believe it: if you can pay cash, paying cash is the most cost-effective way to replace a roof. No interest, no fees, no monthly obligations.
But Virginia's weather doesn't care about your bank balance. We've met too many homeowners who had a genuinely failing roof — storm damage, serious leaks, structural rot — and simply couldn't delay the project. Waiting isn't just inconvenient. It's expensive.
So we went looking for a lender we could actually stand behind. After reviewing multiple options, we chose Service Finance Company — a nationally recognized, FHA-approved Title I lender that offers fair, flexible, homeowner-friendly plans built specifically for home improvement.
"These aren't gimmick loans. They're practical financing plans for homeowners who need help managing a significant investment."
Service Finance Company, LLC
A nationally recognized sales finance company and an approved FHA Title I Lender, specializing entirely in home improvement financing with more than 50 loan products. A legitimate, regulated financial institution — not a payday lender.
Where We Serve
We provide roof financing consultations and free estimates across the Lynchburg, Roanoke, and Charlottesville areas. Call your nearest location or use our toll-free line.
Main Office
503 Old Plantation Dr, Suite 301
Lynchburg, VA 24502
Mon–Fri: 7am–5pm
Boonsboro · Timberlake · Forest · Wyndhurst · Rivermont · Downtown
Roanoke Shop
3959 Electric Rd, Suite 107
Cave Spring, VA 24018
Mon–Fri: 7am–5pm
Cave Spring · Grandin Village · Salem · Hollins · Downtown Roanoke
Charlottesville Shop
106 South Street West, Suite 218
Charlottesville, VA 22902
Mon–Fri: 7am–5pm
Belmont · Fifeville · Fry's Spring · Hollymead · Pantops · Ivy
Common Questions
Get Started Today
Fill out the form below and a representative will reach out to schedule your free, no-pressure roof inspection. Financing questions are welcome — we cover everything during your appointment.