At JD Titan Roofing of Mobile , we provide expert roofing services for both residential and commercial properties. Our team of experienced professionals is equipped to handle any roofing project, no matter how big or small. We use only the highest quality materials and the latest techniques to ensure that your roofing system is built to last. From new roof installations to repairs and maintenance, we are here to help you with all of your roofing needs.
Replacing or repairing a roof is a major investment — especially in Mobile, AL, where storms, humidity, and aging materials can take a toll. At JD Titan Roofing, we understand that not every homeowner has the cash on hand to cover a full roofing job upfront. That’s why we partner with leading financing providers to make your roofing project more accessible, manageable, and stress-free.
Why Choose Roof Financing?
- Preserve your savings: Instead of using your emergency fund, you can pay off your roof over time.
- Budget flexibility: With different loan terms and rate options, you can choose a payment plan that works for your monthly budget.
- Protection now, repayment later: Don’t delay a necessary roof repair or replacement — avoid further damage or costly emergency fixes by financing the job now.
Our Financing Partners
We work with three trusted financing programs, each tailored to different situations and needs. Here’s how they work and how they benefit you.
1. Alabama Power Smart Financing
What Is It?
Smart Financing is a consumer financing program backed by Alabama Power that supports energy-efficient home improvements, including roofing — both repairs and full replacements. Alabama Power Smart Financing+2Alabama Power Smart Financing+2
Key Benefits
How It Works
- Contact JD Titan Roofing to get an estimate.
- We walk you through the Smart Financing application, either in person or via the digital portal.
- Once approved, you choose a rate and term that fits your budget.
- We complete the roofing work, and you sign loan documents electronically.
- Make monthly payments — with some plans, you may even pay via your Alabama Power bill. Alabama Power Smart Financing+1
Who Qualifies?
2. NEIF (National Energy Improvement Fund) Financing
What Is It?
NEIF provides “EnergyPlus” financing — a loan designed specifically for energy-efficiency and “resiliency” home improvements, including roofing. NEIF NEIF is a Certified B Corporation and partners closely with contractors to offer fair, transparent financing. NEIF+1
Key Benefits
- 10-year fixed-term option available for qualified projects. NEIF
- No lien on your home — unlike some types of home equity financing. NEIF
- 100% financing of project cost: you can finance the full roofing job. NEIF
- Guaranteed fixed rate — this is not a credit card; it's a structured loan. NEIF
- No penalties for paying off early — you have flexibility to pay ahead. NEIF
- Pre-qualification without impacting credit: NEIF’s contractor portal allows a “soft” credit check to gauge affordability. NEIF
- Fast funding process: once the project details are submitted, NEIF typically funds via ACH within two business days. NEIF
How It Works
- After your estimate with JD Titan Roofing, we upload your proposal into NEIF’s Contractor Portal.
- Through that portal, your application is processed and you get a credit decision quickly.
- You review and sign electronic loan documents.
- We complete your roofing work.
- NEIF disburses funds directly to JD Titan Roofing, and you begin monthly payments.
Who Qualifies?
- Homeowners financing energy-efficiency or resilience improvements (such as roofing, insulation, HVAC, etc.) NEIF
- Financing is available for a broad range of property types — NEIF supports single-family homes, investment properties, and more. Lennox Pros Images
3. Service Finance Company (SFC)
What Is It?
Service Finance Company, LLC (SFC) is a nationally licensed sales-finance company and an approved FHA Title I lender. They specialize in home improvement financing, including roofing, HVAC, insulation, windows, siding, and more. Service Finance Company+1
Key Benefits
- Over 50 financing options, including promotional plans, no-interest, and standard installment loans. Service Finance Company+1
- Support for zero-down financing, so you don’t have to drain savings to begin your roof work. DeBakey Roofing
- Quick approval: SFC’s paperless process means fast credit decisions and loan document signing. Lennox Pros Images
- No income proof required in some cases — SFC’s consumer finance program doesn’t always ask for pay stubs. Lennox Pros Images
- Flexible property types: financing is available for primary residences, second homes, and investment properties. Lennox Pros Images
- Funds are released to the contractor (us) so the job can be finished, and you start repayment afterward.
How It Works
- During our roofing estimate, we present SFC as a financing option.
- You complete a simple digital application, often right on-site.
- SFC reviews your application and sends loan options (terms, interest rates).
- You choose a suitable plan and sign documents electronically.
- Funding goes directly to JD Titan Roofing. We complete your roofing project.
- You make monthly payments to SFC under your agreed plan.
Who Qualifies?
- Homeowners seeking to finance a roof replacement or repair.
- Borrowers needing flexible payment structures — including installment plans, deferred payment, or no-interest options, depending on credit.
- Property types: FHA Title I allows a variety of home types to qualify. Service Finance Company+1
