No Cash? No Problem — Roof Now, Pay Later!

Think roof repairs or upgrades have to wait? Think again! With flexible financing from J. Ratch Construction, protecting your home is as manageable as your monthly car payment.

Get your FREE

Quote Today

By pressing 'Get a FREE Quote' you are agreeing to our terms and conditions and privacy policy, and consenting to receive text messages. To unsubscribe, text STOP to (916) 612-1582

FLEXIBLE FINANCING

Upgrade Smarter With Flexible Roofing Financing

Discover how J. Ratch Construction makes it easier to protect and improve your Sacramento County home with payment plans designed to fit your budget and timeline.

Flexible Payment Plans

Tailor your roofing or exterior project payments to fit your needs. Our plans offer low monthly costs, so you can upgrade without financial strain.

Quick Approval Process

Skip the paperwork and long waits. We offer a fast, streamlined approval process so your project can move forward without delays—and you can get peace of mind sooner.

Invest in Quality

With financing, you don’t have to cut corners. Choose premium materials and craftsmanship—then pay over time with confidence.

Competitive Financing Rates Available!

PACKAGES

Flexible Financing Options Built Around Your Home

Our financing plans are built to help Sacramento County homeowners tackle roofing, gutter, or siding upgrades without the upfront burden.

0% Interest

12 Months

Most Popular

0% Interest

18 Months

9.99% Interest

120 Months

Got Questions? We’ve Got Answers!

Frequently Asked Questions

We hear these a lot. So, we figured we'd put the answers right here to save everyone some time.

Do you offer financing for roofing and exterior services?

Yes! We provide flexible financing options for roof installations, repairs, gutters, siding, and more. Get the work done now and pay over time.

What types of projects are eligible for financing?

Financing is available for roofing, gutter installation, siding services, dry rot repair, and more.