For over 20 years, Twin Cities homeowners have trusted Perfect Exteriors for roofing, siding, windows, gutters, and storm damage repair. Now we make financing just as straightforward – starting with 0% interest for 12 months. Loan amounts from $5,000 to $400,000. No financing application required to get started. Fill out the form and our team will be in touch within 24 hours.
Three financing paths for Twin Cities homeowners tackling any exterior project – from an insurance claim gap after a hail storm to a planned full exterior upgrade. No prepay penalties on any option.
Unsecured Promotional Option
12 months
Easy Apply
Unsecured Low Monthly Payments
2-20 Years
5, 10, 15 & 30-Year Loan Terms
Unlock your home’s equity with a secured loan sized to your full project scope – roofing, siding, windows, gutters, or all four. Our team handles the application from start to finish.
100% Online Application
No In-Person Appraisal
No In-Person Notary Required
Option to Redraw
Lock in Lower Rates
Redraw up to 100%
Borrow Up to $400,000
5, 10, 15 & 30-Year Terms
One-Time Origination Fee
Competitive Rates
Credit-Based Approval
No Prepay Penalty
Three options are available. The right one depends on how the project came about, your timeline, and whether you have equity in your home. Here is how most Twin Cities homeowners think through it.
Minnesota hail seasons regularly leave homeowners with an insurance payout that covers most of the job but not all of it. Perfect Exteriors works with insurance companies as part of their storm damage service – and the 12-month promotional plan is designed to bridge the gap between what your claim pays and what the full project costs. Clear the balance before the term ends and the financing costs nothing. It also works well for homeowners expecting a tax refund or property sale within that window.
Borrow from $5,000 to $150,000 with terms from 2 to 20 years. Perfect Exteriors is one of the few exterior contractors in the Twin Cities offering roofing, siding, windows, and gutters under one roof – and this plan lets you finance all of them under one monthly payment. A $14,000 roofing and siding project at a 10-year term runs roughly $150-$185 per month depending on your rate.
Borrow up to $400,000 against your home equity with 5- to 30-year terms. The lowest monthly payment of the three options. The ability to redraw if your project scope expands. No in-person appraisal required. Our team handles the application on your behalf.
Reach out from Monticello, Coon Rapids, or anywhere in the Twin Cities. Hear back within 24 hours. We handle the financing – you approve the plan.
Step 1
Tell Us About Your Project
Submit the contact form with your basic project details. No financing application required at this stage.
Step 2
Hear Back Within 24 Hours
A member of our team contacts you within 24 hours on business days to discuss your project scope and walk you through your financing options.
Step 3
We Handle the Financing for You
Once you select a plan and approve the estimate, we handle the financing application on your behalf and schedule your project.
Common questions about financing roofing, siding, windows, and gutters in Minnesota.
The 0% interest for 12 months works best when you can pay the full balance within the term – a strong fit when you are expecting an insurance payout, a tax refund, or a lump sum within that window. The personal loan fits planned upgrades where a fixed monthly payment matters, covering $5,000 to $150,000 over 2 to 20 years. For larger projects or homeowners with available equity, the home equity loan goes up to $400,000 with 5-30 year terms and the lowest monthly payment of the three options. Our team will walk you through which fits your project when they follow up.
Yes. All five services can be bundled under a single financing plan – roofing, siding, windows, gutters, and storm damage repair. Perfect Exteriors already handles insurance claim assistance as part of our storm damage process, so bundling a financing plan alongside an insurance claim is a workflow the team is familiar with. One approval process, one monthly payment, one project.
A member of our local team – based out of our Monticello or Coon Rapids office – contacts you within 24 hours on business days to discuss your project and walk you through your financing options. From there, we handle the financing application on your behalf. Once a plan is selected and the estimate is approved, we schedule your project.
Nothing. Just your contact information and a general idea of the work you need done. Our team will ask the right questions during the follow-up to match you to the right plan. No paperwork, no financial documents, and no commitment is required to start the conversation.
No. None of the financing options carry a prepayment penalty. You can pay off the full balance at any point without additional fees. Homeowners on the 12-month 0% plan regularly choose to pay in full before the term ends to avoid interest entirely.
Perfect Exteriors has been a family-owned contractor serving the Twin Cities since 2002. Two local offices – Monticello at (763) 271-8700 and Coon Rapids at (763) 280-6900. Tell us about your project and our team will be in touch within 24 hours on business days. No financing application required on your end.
Financing options are subject to approved credit through our financing partner. Terms, rates, and monthly payments may vary based on creditworthiness and loan program.