HOA and Condo Association Roof Financing
A new roof on a building with 40 or 140 units is a big number to put in front of owners all at once. Put your project in below and you'll see what monthly financing through Ygrene looks like next to a one-time special assessment, per unit and for the whole association. Bring it to the board meeting.
Financing is provided by Ygrene Energy Fund, not by Superior. Subject to Ygrene's approval. Superior is the roofing contractor. Ygrene reviews the association, sets the final rate and terms, and makes the loan.
Financing vs. lump-sum assessment
Project details
Total cost of the roof project
Ygrene's minimum is 15 units
Association credit profile
Pick the profile closest to your association's. Ygrene decides the actual rate.
Estimated comparison
| Item | Financing | Lump-sum |
|---|---|---|
| Per unit owner | $115/mo | $12,500 one time |
| Association total | $4,608/mo | $500,000 one time |
| Amount financed | $551,328 | None |
| Rate | 7.99% fixed | N/A |
| Term | 20 years | One time |
Amount financed includes Ygrene's 5% closing fee plus a 6-month debt service reserve. Both are rolled into the loan, so the monthly payment covers them.
The 7.99% and 8.49% fixed rates are Ygrene's program rates as of August 23, 2026, from the calculator Ygrene gave us. Subject to approval by Ygrene; rates and terms can change.
The program, per Ygrene
- Fixed rate for the life of the loan: 7.99% or 8.49%, depending on the association's credit.
- Terms of 5, 10, 15, 20 or 25 years.
- The association needs at least 15 units.
- A 5% closing fee and 6 months of payments held in reserve, both financed.
How Ygrene describes it
- Faster than a typical bank approval timeline.
- No funding caps. Ygrene says it funds what the project requires.
- Built for associations that banks decline.
These are Ygrene's own statements from the calculator it supplied. Ask Ygrene to confirm them for your association.
Talk to our association team
HOA, condo and multi-family roofs are handled by Superior Commercial Contracting, our commercial division. Call or email and we'll scope the roof and put a real number together, the kind a board can actually vote on. If the association wants to finance it, we'll connect you with Ygrene.
Licensed Florida roofing contractor CCC1325604
Estimates only. Payments shown use the credit profile you picked and are for illustration. Actual rates, fees and payments depend on Ygrene's underwriting and may differ. Closing fee (5%) and a 6-month debt service reserve are included in the amount financed. This is not a loan commitment, pre-qualification or offer to lend. Financing is provided by Ygrene Energy Fund, not by Superior Roofing & Restoration or Superior Commercial Contracting, and is subject to Ygrene's approval. Superior is a roofing contractor, not a lender.