Condo & HOA Roof Financing in South Florida
Your association needs a new roof. Nobody wants a five-figure special assessment. We solve both: All Phase Construction USA replaces the roof — dual-licensed (CCC-1331464 & CGC-1526236), with association projects completed up to $5M — and our financing partner funds it with a fixed-rate association loan your owners repay monthly.
The Math Every Board Should See
Without financing
$10,000 per unit
Due up front as a lump-sum special assessment on a $1M roof for a 100-unit association. Owner pushback, recall threats, delayed work.
With association financing
≈$92 per unit / month
The same $1M roof spread over 25 years at a fixed rate. The board funds the project; owners get a payment they can actually manage.
Illustrative example from the lender (25-year term, 8.99% fixed, 100 units, closing fees and debt-service coverage financed). Actual rates, terms, and payments are set by the lender's underwriting and will vary.
Request Your Free Association Roof Assessment
Researching this after the board meeting, at 10 PM? Perfect — tell us about the project and a licensed estimator will call you back the next business day. No obligation, and nothing goes to your owners until you decide it should.
How It Works
1. Free association roof assessment. We inspect, document, and deliver a written, line-item scope and price your board can take to owners — the same discipline behind our $1M+ association projects.
2. We introduce your board to our financing partner. One introduction from us and their Florida association-financing team takes over the money conversation. You never juggle lenders.
3. The lender underwrites the association, not a checklist. Decisions in weeks, loans from $500K to $15M+, terms to 25 years — including associations banks have declined, and SIRS-mandated reserve funding alongside the roof.
4. Funding matches our contract milestones. Disbursements follow the payment schedule in our roofing agreement — crews are paid on time and the project never stalls waiting on money.
Why Boards Choose All Phase for Association Roofs
Dual-licensed, which matters more on association work. We hold both the roofing license (CCC-1331464) and a general contractor license (CGC-1526236) — so structural conditions uncovered during tear-off, from decking to trusses, are handled in-house under one agreement instead of stopping the job.
Association-scale track record. Completed community roof replacements up to $5M, plus commercial work for institutional clients — with HOA boards, property managers, and engineering-report requirements as part of the normal workflow, not a surprise.
Built for Florida's new reality. Milestone inspections and SIRS reserve requirements are forcing roof decisions boards didn't budget for. We document everything for your engineer, your insurer, and your owners' meeting.
Straight Talk: What Financing Really Costs
Financing is not free money, and boards deserve the honest version. Closing fees (about 5%) and a debt-service coverage reserve are financed into the loan, rates are fixed but real (illustrative examples use 8.99%), and a special assessment still exists legally — it is converted into manageable monthly payments rather than eliminated. What financing buys is the ability to do mandatory work now, at today's construction prices, without a five-figure demand on every owner.
All Phase Construction USA is a roofing and general contractor, not a lender. Financing is provided by a licensed third-party lending partner; all loan terms, approvals, rates, and payments are determined solely by the lender's underwriting.
Association Roof Financing FAQs
Can our condo association finance a roof replacement instead of a special assessment?
Yes. Through our financing partner, Florida condo and homeowner associations can fund a full roof replacement with a fixed-rate association loan and repay it monthly — converting a large lump-sum special assessment into a manageable per-unit monthly payment. All Phase Construction USA performs the roofing work; our licensed lending partner provides and underwrites the financing.
Who repays the loan — are board members or unit owners personally liable?
The association is the borrower. Board members are not personally liable, no liens are placed on individual units, and the loan does not affect individual unit owners’ credit scores. Owners contribute through regular monthly payments instead of a one-time assessment.
How much does association roof financing cost per unit?
As an illustrative example from the lender: a $2.5M project financed over 25 years at a fixed rate of 8.99% for a 100-unit association works out to roughly $210 per unit per month, versus a $25,000 lump-sum special assessment per unit. Actual rates and payments depend on project size, term, unit count, and underwriting.
Does association financing cover SIRS-mandated reserves?
Yes. Our financing partner funds required reserves, including SIRS-mandated funding, alongside the capital improvement itself — so an association facing both a roof replacement and a reserve shortfall can address both in one transaction.
What size projects qualify for association roof financing?
Associations with 15 or more units qualify, with project financing from roughly $500K to $15M+. Roofing and waterproofing are among the primary qualifying project types, along with concrete restoration, impact windows and doors, and other common-area capital improvements.
Does financing slow the roof project down?
No. Our financing partner targets a decision in weeks, not the months a bank approval can take, and funding is disbursed to match the payment milestones in our roofing agreement — so crews are paid on schedule and the work never stalls waiting on money.
Bring Your Board a Roof and a Way to Pay for It
Free association roof assessment, a written scope your owners can understand, and a financing introduction that turns $10,000 up front into a monthly payment.