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Metal roofs have a reputation for being noisy, but with proper installation and adequate insulation, they are not significantly noisier than shingle roofs. The type of metal used can affect the sound level; for instance, steel roofs are typically noisier than slate or asphalt tiles but quieter than aluminum. While some people find the sound of rain on a metal roof pleasant, you can take steps to reduce the noise. Installing a thicker underlayment, adding insulation between the roof and the house, or using acoustic tiles can effectively muffle the sound. The gauge (thickness) of the metal roofing can also contribute to sound dampening.

Re-roofing is the process of placing a layer of shingles over top of existing shingles, rather than pulling out those shingles and replacing them. Compared to a full roof replacement, re-roofing typically costs less and requires less labor and time. It's not an option for everyone, though. You may need a full roof replacement if your roof already has more than one layer of shingles. A full replacement may also be necessary if your roof has extensive damage.

If you choose to get a personal loan to finance a roof, you will want to aim for a “good” or “excellent” credit score for the best rates. That means a credit score of 690 or more. If you aren’t sure of your credit score, you can request one free credit report per year from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Many banks also provide free credit reports monthly.

The best type of roof vent depends on the size, type, and construction of your roof as well as the environmental conditions in and around your home. In many cases, an active ventilation system that draws in fresh air and exhausts air out through the attic is the most effective. Active ventilation systems include roof ridge vents with baffles, turbine vents, and soffit vents that are used together with another type of vent.