Attractive Financing Options for Your Exterior Project
A new roof, siding, or set of windows is a significant investment. We work with two trusted lenders — Regions Bank and GreenSky — to make your project affordable without putting it on hold.
Why Financing Matters for Exterior Projects
Most McHenry County exterior projects run between $5,000 and $45,000 depending on scope. James Hardie siding, a full roof replacement, or a window package can easily land in the middle of that range. Financing turns a single large bill into a manageable monthly payment, so you can pick the materials and scope that are right for your home instead of being forced to compromise based on what is in the checking account this week.
Financing also keeps your project from waiting. Storm damage does not pause for budget cycles. Rotting trim or failing siding gets worse the longer it sits. With financing in place, you can move when the project needs to move.
Our Financing Partners
Regions Bank
National bank with home-improvement lending programs designed for projects in our range. Established lender with branches throughout the Midwest, including Crystal Lake and surrounding communities.
GreenSky
Specialty home-improvement lender used by contractors across the country. Fast decisions and a straightforward application process. Many homeowners get a credit decision within minutes.
Financing is offered through Regions Bank and GreenSky. All loans are subject to credit approval and underwriting by the lender. APR, terms, and qualifying criteria are set by the lender, vary by creditworthiness, and may change at any time. IHC is not a lender and does not earn referral fees or commissions on financing originations — we partner with these lenders solely to give homeowners access to home-improvement financing. We will walk you through the current options for your project during your free estimate.
How the Financing Process Works
- Schedule a free estimate. Call or text (815) 356-9020, or submit a free estimate request. We will set up a time to visit your home and walk through the project.
- Get your project quote. You will receive an itemized quote with materials and labor for your scope. No mystery numbers.
- Discuss financing during your estimate. If financing is on the table, we will walk through what Regions or GreenSky has available right now for projects in your range.
- Apply when you are ready. The application happens directly with the lender (Regions or GreenSky). Most decisions are quick — often the same day.
- Move forward with your project. Once approved, we schedule the work and the lender handles the funding directly to IHC.
What Financing Can Cover
Any exterior project we install qualifies for financing discussion, including:
- Siding installation and replacement — James Hardie, LP SmartSide, vinyl, Versetta Stone
- Roof replacement and repair — CertainTeed, F-Wave, Brava, cedar shake
- Window replacement — Andersen, ProVia, vinyl options
- Entry doors, patio doors, storm doors
- Gutters and gutter guards — including the exclusive GutterShutter system
- Skylights, fascia, soffit, and full exterior remodels
Financing FAQs
Will financing affect my project price?
No. The price you see in your estimate is the price you pay, whether you finance or pay outright. There is no “financing markup.”
Do I have to use one of these lenders?
Not at all. You are welcome to use your own bank, credit union, home equity line, or any other source. Regions and GreenSky are simply two options we have vetted that tend to work well for projects in our range.
How long does the application take?
Both Regions and GreenSky offer fast online applications. Many homeowners get a credit decision within minutes during their free estimate visit.
What does the lender need from me?
Standard credit application information — income, current housing payment, identity verification. The exact requirements are set by Regions or GreenSky and may change over time.
Can I combine financing with insurance proceeds for storm damage?
Yes. If your project is being partly funded by an insurance claim, financing can cover the gap (deductible, code upgrades, or scope beyond what insurance pays). Our sister company, IHC Public Adjusters, can also help maximize the insurance side.
Ready to talk through your project + financing?
Request a free estimate. We will discuss scope, pricing, and which financing option fits your situation — all in one visit.
