Texas Stag – Financing Calculator
Texas Stag
Texas Stag
Home Solutions · Financing Calculator
Sales Consult Tool
Project Type
Project Amount
$
Credit Human
UCC Secured & Unsecured · Roofing Only
#1 Roofing ▼
670+ Immediate Approval 660–669 Manual Review — Not Auto-Approved <660 Denial 180 Days No Payments 0% Dealer Fee
🔒 UCC Secured (lien on home) for 120–240 mo
📋 Unsecured for 60–84 mo
⏸ 180 Days No Payments on all products
GoodLeap
Standard Installment · Risk-Based · Roofing & Rejuvenation
630+ FICO ▼
630+ Minimum FICO Soft Pull Pre-Qual Hard Pull Only at Funding ~60 Days First Payment 0% Dealer Fee
ℹ️ APR is risk-based: 9.99% (strong credit) to 15.49% (lower credit). Rate is not set until application. Strong credit (700+) typically qualifies near the low end.
🎯 Roofing: go-to when Credit Human declines (630–659)
✨ Rejuvenation: backup to Sunlight
📆 First payment ~60 days after funding
⚠️ Promo / dealer-fee products require mgmt approval
Sunlight Financial
Primary Lighting & Rejuvenation Lender · All Home Improvements · Tangerine Platform
Primary Lighting ▼
660–670+ Standard Products 620+ Risk Option (180 mo only) TransUnion Only Soft Pull Until Funded 30 Days First Payment $2,500 Minimum
ℹ️ 60/120/144-month products: fixed 11.99% APR (requires 660+ FICO). 180-month risk option: 11.99–12.99% APR (available 620+ FICO, rate depends on credit).
📱 Customer applies via QR / phone — no docs needed
📈 Approval $5–10K above request — allows upsells without re-signing
🚫 No loan stacking — one lender per project only
0.5% ACH autopay discount (already reflected in rates shown)
Momnt
All Home Improvements · Payment-Factor Based · 640+ FICO
Backup / Specialty ▼
640+ Minimum FICO True Soft Pull No Score Impact 5-Month Purchase Window First Look Policy
✅ True soft pull — no score impact until offer accepted
📅 5-month purchase window; up to 3 draws
💰 Interest-only during window, amortizing from month 6
⚠️ First-Look lender — do not send previously declined applicants
🚫 Not used for roofing — lighting, rejuvenation, and other only
Project Type
Customer Profile
FICO Score
Project Amount
$
Internal Use Only. Payment estimates use payment factors and fixed APRs where applicable. Risk-based products (GoodLeap, Momnt PMT-200 & FR-RBP-10y) vary by customer credit profile. Dealer fees are a cost to Texas Stag — not disclosed to the customer. Always verify current rates in each lender portal before quoting. This tool does not constitute a credit decision or binding loan offer.