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Roofing questions, answered by experts

Most traditional lenders will not loan against a house with a leaking roof, and some lenders won’t lend against a home with a roof near the end of its lifespan. If the roof on your new home is in poor condition, you may need to have the seller offer a credit for a roof replacement after closing, or you can opt for a renovation loan—also called a 203k loan—to bundle the house and the roof replacement into one loan.

In general, you should consider replacing your roof if more than 30% of it is damaged. This includes several missing shingles, large spots of granule loss, extreme curling or cracking, structural damage to the roof's decking, or multiple areas of leaks. All of these issues could indicate compromised structural integrity that requires roof replacement.

DIY is possible for minor repairs. Professional services ensure proper sealing and alignment for larger issues.

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.

You can technically install a metal roof over asphalt shingles, but it isn’t a good idea. This is because you’re essentially creating a moisture barrier under the metal, which can easily—and often does—lead to significant mold damage. Removing an asphalt roof isn’t terribly expensive, and some roofing companies might cut you a serious labor and disposal discount if you add it to a new install.

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The Franconia, VA homeowners’ guide to roofing services

From average costs to expert advice, get all the answers you need to get your job done.