We make your closing easier, not harder.
Need a new roof to sell? We replace it now. When you close, the title company pays us from your proceeds. No interest, no fees, no credit check, and no strings on your buyer's loan.
“Will a roof deal mess up my closing?”
No. You have enough going on. We work around your sale, not the other way around.
Your title company hears from us on day one
They get our invoice and payoff amount early. At closing it's one routine line on your settlement statement, like any other payoff.
Signed lien waiver goes to title
When the title company pays us, they get our signed lien waiver. The buyer's lender gets clean title, and our roof isn't what holds up clear-to-close.
We never touch anyone's loan
We don't contact your lender or your buyer's lender, and we never ask to change loan terms. We're paid from your seller proceeds. That's it.
Roof done before the appraisal
We schedule the work to finish before the appraisal or re-inspection, so the new roof helps the sale instead of becoming a condition.
Where we fit in your closing
- 📄Purchase agreementWe send the title company our invoice + payoff amount.
- 🔎Buyer's inspectionRoof already new, or on the schedule. No roof surprise.
- 📐AppraisalRoof finished before the appraiser shows up.
- ✅Clear to closeNothing from us to clear. No loan changes.
- 🔑Closing dayTitle pays us from proceeds. Lien waiver to title.
“Is this for someone like me?”
Selling a Minnesota home and the roof is the problem? Probably yes.
Listed, or about to list
You're selling this year and the roof is worn out. You'd rather not drain savings on a house you're leaving.
The inspector flagged the roof
The report says “roof near end of life.” Now the buyer wants a credit, a price cut, or a new roof.
Your buyer is using FHA or VA
FHA and VA appraisals check that the roof keeps water out and has life left. A tired roof can hold up the loan.
Your cash is in the house
The money for a roof is in your equity, and you only get it at closing. So that's when we get paid.
“Wait. Do I even need a new roof?”
Maybe not. We check first and tell you straight.
Roof still has life?
We'll tell you. Sometimes a repair or a roof certification is all the buyer needs. No new roof needed.
Roof certification →Minor wear you can live with?
A few repairs may be enough to pass inspection. We'll price the repair so you can compare.
Roof repair →Hail or storm damage?
That's a different path. Call your insurance company first. We inspect and document what we find, and you decide. Close-Ready Roof™ is for roofs you pay for yourself.
Storm damage →We qualify first. Only if the roof really needs replacing do we talk about Close-Ready Roof™. No pressure, no “sign today” deals.
“So how does getting paid at closing work?”
Four steps. Your agent and title company are in the loop from day one.
Inspect & quote
Free inspection, photos of every slope, and a written price. If you don't need a new roof, we say so.
Sign + $99
A simple agreement and $99 down. Your agent and title company get our invoice and payoff amount right away.
We replace the roof
Scheduled around your listing photos, inspection and appraisal. Completion photos go in the listing file.
Paid when you close
Title pays Repair King from your proceeds at closing and gets our signed lien waiver. Done.
“Where does the roof bill go?”
On your settlement statement, as a payoff. Same place your mortgage payoff goes. You never write a big check.
Most Minnesota sales use a Closing Disclosure and/or an ALTA settlement statement. The older HUD-1 form is used for only a few types of sales now.
| Sale price | $350,000 |
| Mortgage payoff | −$180,000 |
| Commissions & closing costs | −$22,000 |
| Payoff: Repair King roof | −$14,901 |
| Net to seller | $133,099 |
Example assumes a $15,000 roof with $99 paid at signing. Your price comes from your written quote.
“Why not just get a loan, or sell as-is?”
You can. Here's how the options usually stack up for a seller.
| Close-Ready Roof™ | Roofing loan | Credit card | Sell as-is | |
|---|---|---|---|---|
| Due today | $99 | Often $0 | $0 | $0 |
| Interest | None | Yes | Yes, usually high | None |
| Fees | None | Often | Possible | None |
| Credit check | No | Yes | Yes | No |
| Monthly payments | No | Yes | Yes | No |
| Roof fixed before buyers see it | Yes | Yes | Yes | No |
| Roof becomes a bargaining chip | No | No | No | Often |
Close-Ready Roof™
- Due today$99
- InterestNone
- FeesNone
- Credit checkNo
- Monthly paymentsNo
- Roof fixed before buyers see itYes
- Roof becomes a bargaining chipNo
Roofing loan
- Due todayOften $0
- InterestYes
- FeesOften
- Credit checkYes
- Monthly paymentsYes
- Roof fixed before buyers see itYes
- Roof becomes a bargaining chipNo
Credit card
- Due today$0
- InterestYes, usually high
- FeesPossible
- Credit checkYes
- Monthly paymentsYes
- Roof fixed before buyers see itYes
- Roof becomes a bargaining chipNo
Sell as-is
- Due today$0
- InterestNone
- FeesNone
- Credit checkNo
- Monthly paymentsNo
- Roof fixed before buyers see itNo
- Roof becomes a bargaining chipOften
General comparison. Loan and card terms vary by lender.
“Will a new roof actually help my house sell?”
A new roof takes the biggest inspection surprise off the table. Here's what the data says.
recommend sellers put on new roofing before selling. Only painting ranks higher.
are less willing to compromise on a home's condition, Realtors report.
FHA appraisers must flag a roof with less than 2 years of life left and call for a roofer's inspection.
The roof must keep moisture out and give “reasonable future utility, durability, and economy of maintenance.”
Straight talk: on paper, a new asphalt roof in the Minneapolis market recoups about 60.2% of its cost at resale. The bigger win is usually avoiding the renegotiation, the repair credit, or an FHA/VA appraisal that comes back “subject to” roof repairs. Your results will vary.
Sources: National Association of REALTORS® & NARI, 2025 Remodeling Impact Report (pp. 4, 11). HUD Handbook 4000.1, II.D.3.g “Roof Covering.” VA Lender's Handbook (Pamphlet 26-7), ch. 12, Minimum Property Requirements, “Roof Covering.” Fannie Mae Selling Guide B4-1.2-05 (items affecting safety, soundness or structural integrity make an appraisal “subject to” repairs). © 2025 Zonda Media, Remodeling 2025 Cost vs. Value Report, Minneapolis, roof replacement (asphalt shingles); complete data at www.costvsvalue.com.
“My seller needs a roof before closing. Now what?”
Send them here, or call us together. We inspect, send photos, give a written price, and loop in your title company on day one. No new conditions, no calls to the buyer's lender.
To your seller
You don't have to come up with the money now. $99 down, and they get paid when we close.
After an inspection report
Instead of a big credit, let's get the roof replaced before the appraisal so the buyer sees it done.
Tear-off day on a Minnesota home
Our crews at work“Who's actually doing my roof?”
Repair King is a Minnesota licensed contractor working with many trusted, vetted roofing crews across the Twin Cities. One company is responsible for your job, start to finish.
“Okay. Does my sale qualify?”
- You own a Minnesota home and you're selling it
- Listed, or listing soon, with a closing expected
- The roof really needs replacing (we check first)
- It's a retail job, not an insurance claim
We'll also ask about your sale so we know it can cover the roof at closing. Fastest answer: call (612) 354-7677.
See if your sale qualifies
Free inspection and a written price. In “How can we help”, type Close-Ready Roof and your list or closing date.
Seller questions, answered.
Is this a loan?
No. No interest, no fees, no credit check. You put $99 down, and the rest of the roof price is paid from your sale when you close.
Will this mess with my buyer's loan or my closing?
It shouldn't. We don't contact any lender or ask to change loan terms. Your title company gets our invoice and payoff amount early, and at closing we're paid from your seller proceeds like any other payoff. Your agent and title company can see everything up front.
What if the house doesn't sell?
Your agreement sets a pay-by date. We go over it with you before you sign, so you know exactly what happens if the sale is delayed or the listing comes down.
Do you file a lien?
Your agreement explains how the balance is secured. Minnesota law also requires contractors to give homeowners a pre-lien notice on residential jobs (Minn. Stat. § 514.011), and it's in your agreement. When the title company pays us at closing, they get our signed lien waiver.
How does the title company know to pay you?
You sign an authorization for your title company, and we send them our invoice and payoff amount early. The balance shows up as a payoff on your settlement statement and is paid from your proceeds at closing.
Can I use this for an insurance claim?
No. Close-Ready Roof™ is for roof replacements you pay for yourself. If your roof has hail or storm damage, call your insurance company. We can inspect and document what we find, and the decisions are yours.
The buyer's inspector already flagged the roof. Is it too late?
Usually not. Call us with your closing date. We inspect, give you a written price, and schedule the work so the roof is done before the appraisal or re-inspection whenever the schedule allows.
Who does the work?
Repair King is a Minnesota licensed contractor (BC695228) working with many trusted, vetted roofing crews across the Twin Cities. Same standards and paperwork on every job.
Does the $99 go toward the roof?
Yes. It's your down payment on the roof price in your agreement.
The fine print. Close-Ready Roof™ is available on retail roof replacements for qualifying Minnesota home sales and is subject to approval and a signed agreement. It is not available for insurance-claim work. Repair King is a contractor, not a lender, and does not give legal, tax, lending or real estate advice. Repair King does not control lender, appraiser or title company decisions. Your agreement, including its pay-by date and how the balance is secured, controls. Talk to your agent, title company or attorney about your sale.
Minnesota pre-lien notice. Minnesota law (Minn. Stat. § 514.011) requires residential contractors to include this notice in the contract:
“(a) Any person or company supplying labor or materials for this improvement to your property may file a lien against your property if that person or company is not paid for the contributions. (b) Under Minnesota law, you have the right to pay persons who supplied labor or materials for this improvement directly and deduct this amount from our contract price, or withhold the amounts due them from us until 120 days after completion of the improvement unless we give you a lien waiver signed by persons who supplied any labor or material for the improvement and who gave you timely notice.”
Close-Ready Roof™ is a Repair King program name. Repair King · 680 Transfer Rd, Suite 17, St. Paul, MN 55114 · MN License BC695228.
You'll never have to wonder what's happening.
The #1 complaint about contractors is "they stopped calling me back." Our system texts and emails you at every step, from the moment you book to the final walkthrough.
Appointment confirmed
Text and email confirmation the moment you book, plus a reminder before we arrive.
"You're booked for Tue 10 AM ✓"On our way
A heads-up text when your inspector or crew is headed to your home. No waiting around.
"On our way, 20 min out"Photos of everything
You see what we see: a photo report of every finding, yours to keep.
"Your photo report is ready"Every stage, updated
Materials ordered, crew scheduled, install day, final walkthrough. You hear about each step as it happens.
"Materials delivered for Thursday"A real person answers
Questions? Call or text and talk to our team, not a phone tree.
"Got it, we'll check and text you back"Informed at every step. That's the Repair King standard.
New roof now. We get paid when you close.
$99 down. No interest, no fees, no credit check, and nothing that gets in the way of your closing.