Metal Roofing Contractors Near Me

Local Market Research

Understanding the competitive landscape is crucial for any new metal roofing contractor entering the market. This section provides a snapshot of the metal roofing industry in a sample city, focusing on key aspects like pricing and service areas. Note that the data presented here is for illustrative purposes and should be replaced with actual research for a specific location. For this example, we will use the city of Austin, Texas.

Top-Performing Metal Roofing Contractors in Austin, Texas

The following table lists three hypothetical top-performing metal roofing contractors in Austin, Texas. This information is for illustrative purposes only and does not represent an exhaustive list or endorsement of any particular company. Actual market research is necessary to identify the top performers in any given location.

Contractor Name Address Phone Number Website
Apex Metal Roofing 123 Main Street, Austin, TX 78701 (512) 555-1212 www.apexmetalroofing.com (hypothetical)
Texas Metal Works 456 Oak Avenue, Austin, TX 78702 (512) 555-1213 www.texasmetalworks.com (hypothetical)
Lonestar Roofing Solutions 789 Pine Lane, Austin, TX 78703 (512) 555-1214 www.lonestarroofingsolutions.com (hypothetical)

Pricing Strategies of Metal Roofing Contractors in Austin, Texas

Metal roofing pricing varies significantly based on several factors. These factors include the size and complexity of the roof, the type of metal used (e.g., steel, aluminum, copper), the need for additional services (e.g., tear-off, underlayment), and the contractor’s overhead costs. Contractors often use different pricing structures: some may charge per square foot, while others may provide a fixed price quote after a detailed assessment. For example, one contractor might charge $8-$12 per square foot for a basic steel roof installation, while another might offer a package deal including tear-off and underlayment for a higher overall price. Factors such as material costs, labor rates, and market demand influence the final price.

Service Areas of Metal Roofing Contractors within 50 Miles of Austin, Texas

Metal roofing contractors typically service a geographical area within a reasonable driving distance of their base of operations. A 50-mile radius from Austin, Texas would encompass a significant portion of Central Texas. A map illustrating this service area would show a circle centered on Austin, extending approximately 50 miles in all directions. The circle would encompass numerous smaller towns and suburbs surrounding Austin, potentially extending into neighboring counties. The density of contractor service areas would likely be higher closer to Austin and gradually decrease as the distance increases. Some contractors may extend their service area beyond 50 miles for larger projects or based on client demand.

Contractor Profiles

Choosing the right metal roofing contractor is crucial for a successful and long-lasting roof installation. This section provides profiles of hypothetical contractors to illustrate the range of experience and qualifications you might encounter. Understanding these differences will help you make an informed decision.

Hypothetical Contractor Profile: Apex Metal Roofing

Apex Metal Roofing has been serving the local community for 15 years. Founded by experienced roofer, John Smith, the company initially focused on residential projects before expanding into commercial work. Their expertise lies in the installation of standing seam and corrugated metal roofing systems. Mr. Smith holds a Class A contractor’s license and is a certified installer for several major metal roofing manufacturers. Apex boasts a team of 8 highly trained professionals and consistently maintains a high level of customer satisfaction, as evidenced by numerous positive online reviews and a strong referral network. They are fully insured and bonded, offering comprehensive warranties on their workmanship and materials. Their specializations include complex roof designs, historical building restorations, and energy-efficient roofing solutions.

Comparison of Three Metal Roofing Contractors

The following table compares three hypothetical contractors, highlighting key qualifications to aid in your selection process.

Contractor Years of Experience Licenses & Certifications Insurance Coverage
Apex Metal Roofing 15 Class A Contractor’s License, Manufacturer Certifications (multiple) Fully Insured and Bonded
Summit Roofing Solutions 5 Class B Contractor’s License, One Manufacturer Certification General Liability and Workers’ Compensation Insurance
Peak Metal Works 10 Class A Contractor’s License, No Manufacturer Certifications Fully Insured and Bonded

This comparison demonstrates the variability in experience, licensing, and insurance coverage among contractors. While all three may be capable, Apex Metal Roofing shows a higher level of experience and certifications, suggesting a greater depth of knowledge and access to specialized materials and warranties. However, Summit Roofing Solutions and Peak Metal Works still represent viable options depending on the scope and complexity of your project.

Essential Questions for Initial Consultation

Asking the right questions during the initial consultation is vital to ensure you choose a contractor who meets your needs and expectations. The following questions will help you gather crucial information and assess the contractor’s suitability.

  • What is your experience with installing metal roofing systems similar to the one I am considering?
  • Can you provide proof of your licensing, insurance, and bonding?
  • What warranties do you offer on your workmanship and materials?
  • Can you provide references from previous clients who have had similar roofing projects completed?
  • What is your estimated timeline for completing the project, and what is your process for managing potential delays?

Customer Reviews and Testimonials

Positive customer reviews and testimonials are crucial for building trust and credibility for any metal roofing contractor. They provide potential clients with social proof, showcasing the quality of workmanship, customer service, and overall experience. Negative reviews, while undesirable, also offer valuable opportunities for improvement and demonstrate a commitment to customer satisfaction.

Positive Customer Reviews

Three positive reviews highlighting different aspects of a metal roofing contractor’s service are presented below. These examples demonstrate the range of positive experiences customers can have.

Name (Optional) Date Rating Review
John Smith October 26, 2023 ★★★★★ “From start to finish, the team was professional and efficient. The quality of the metal roofing is exceptional, and they cleaned up the site meticulously after completion. I highly recommend them!”
Jane Doe November 15, 2023 ★★★★★ “I was impressed by their responsiveness and communication throughout the entire project. They kept me informed every step of the way, answering all my questions patiently. The price was competitive, and the workmanship was outstanding.”
Robert Jones December 10, 2023 ★★★★★ “The crew was incredibly friendly and respectful of my property. They completed the job ahead of schedule and within budget. My new metal roof looks fantastic, and I’m confident it will last for many years to come.”

Addressing Negative Customer Reviews

Negative reviews, while challenging, present an opportunity to showcase a commitment to customer satisfaction and continuous improvement. For example, a negative review citing poor communication could be addressed by acknowledging the customer’s experience, apologizing for the lapse in communication, and outlining steps taken to improve communication processes, such as implementing a more robust project update system or assigning dedicated project managers. A negative review regarding workmanship could be addressed by offering a detailed explanation of the issue, outlining the corrective actions taken, and demonstrating a willingness to rectify the situation. A prompt and professional response to negative feedback can often turn a negative experience into a positive one, showcasing the company’s dedication to resolving problems and maintaining a high standard of service.

Types of Metal Roofing

Choosing the right metal roofing material is a crucial decision impacting your home’s aesthetics, durability, and longevity. This section details the various types of metal roofing, their advantages and disadvantages, and their suitability for different architectural styles. Understanding these factors will help you make an informed choice that best suits your needs and budget.

Metal Roofing Material Properties

Metal roofing offers a diverse range of materials, each with unique characteristics. Steel, aluminum, copper, and zinc are among the most common choices. Their properties significantly influence their performance and lifespan.

  • Steel: Steel roofing is known for its strength and durability. It’s often coated with zinc (galvanized steel) or other alloys to enhance corrosion resistance. Steel roofs are relatively inexpensive, making them a popular choice for homeowners. However, steel can be susceptible to dents and scratches if not handled carefully during installation. It may also require more frequent maintenance compared to other materials, especially in coastal areas.
  • Aluminum: Aluminum roofing is lightweight, corrosion-resistant, and relatively easy to install. It’s a popular choice for its longevity and low maintenance requirements. However, aluminum is less durable than steel and can be more prone to denting. It is also more expensive than steel.
  • Copper: Copper roofing is renowned for its exceptional durability and aesthetic appeal. It develops a distinctive patina over time, adding character to the building. Copper is highly corrosion-resistant and has a very long lifespan. However, it is significantly more expensive than steel or aluminum, making it a premium choice.
  • Zinc: Zinc roofing is another long-lasting and highly corrosion-resistant option. It also develops a unique patina over time, offering a visually appealing aged look. Similar to copper, zinc is a premium material and comes with a higher price tag than steel or aluminum. It’s also relatively soft and requires careful handling during installation.

Lifespan and Maintenance of Metal Roofing Materials

The lifespan and maintenance requirements of different metal roofing materials vary considerably. Regular maintenance, such as cleaning debris and inspecting for damage, is essential to extend the life of any metal roof.

  • Steel: Lifespan: 30-50 years; Maintenance: Moderate – regular cleaning and inspection needed, potential for repainting depending on coating.
  • Aluminum: Lifespan: 40-60 years; Maintenance: Low – relatively low maintenance, occasional cleaning sufficient.
  • Copper: Lifespan: 50-100+ years; Maintenance: Low – self-healing properties minimize maintenance needs, occasional cleaning sufficient.
  • Zinc: Lifespan: 50-100+ years; Maintenance: Low – similar to copper, self-healing properties and low maintenance needs.

Aesthetic Appeal and Architectural Styles

Metal roofing offers a wide range of aesthetic possibilities, from traditional to modern designs. The choice of material and profile significantly impacts the overall look.

  • Standing Seam Metal Roofing: This style, often made from steel or aluminum, features clean, vertical lines, creating a sleek and modern aesthetic. It is well-suited to contemporary homes and commercial buildings. Imagine a sharp, angular modern home with large windows, perfectly complemented by the crisp lines of a standing seam metal roof.
  • Ribbed Metal Roofing: Ribbed metal roofing, available in various materials, offers a more textured look. The raised ribs add visual interest and can mimic the appearance of traditional roofing materials. This style works well with both traditional and contemporary homes. Picture a charming farmhouse with a ribbed metal roof in a dark brown, blending seamlessly with its surroundings.
  • Shake or Shingle Metal Roofing: These profiles are designed to imitate the look of traditional wood shakes or asphalt shingles, offering a familiar aesthetic with the durability of metal. They are suitable for homes where a more traditional look is desired. Envision a Victorian-style home, the intricate details of its architecture complemented by a metal roof mimicking the look of wood shingles.

Installation Process

Metal roofing installation is a specialized process requiring skilled labor and attention to detail. A properly installed metal roof offers superior durability and longevity, protecting your home for decades. The following steps Artikel a typical installation procedure, although specific details may vary based on the roof’s design and the chosen materials.

  1. Preparation and Measurement: This crucial first step involves a thorough assessment of the existing roof structure, including measurements, identification of any potential issues (rot, damaged sheathing), and the removal of the old roofing material. Accurate measurements are essential for precise material ordering and efficient installation.
  2. Underlayment Installation: Once the old roofing is removed and the deck is inspected and repaired as needed, a waterproof underlayment is installed. This acts as an additional barrier against moisture penetration, providing extra protection even if the metal roofing is compromised.
  3. Fastener Placement and Panel Installation: Metal roofing panels are strategically placed and fastened to the roof deck using specialized screws. The exact placement and type of fastener depend on the panel design and the local climate. Proper fastening is critical to prevent leaks and ensure the roof’s structural integrity. Overlapping panels create a watertight seal.
  4. Flashing Installation: Flashing, typically made of metal, is installed around chimneys, vents, skylights, and other penetrations in the roof. This critical step prevents water from entering these vulnerable areas. Proper flashing is essential for a leak-free roof.
  5. Ridge Cap Installation: The ridge cap, a specialized metal piece, covers the highest point of the roof, completing the watertight seal. It is often designed to allow for proper ventilation.
  6. Gutter and Downspout Installation (if applicable): If the project includes gutter and downspout installation, this step ensures efficient water drainage away from the house, protecting the foundation from water damage. This often involves securing the gutters to the fascia board and ensuring proper slope for effective drainage.
  7. Final Inspection and Cleanup: A thorough inspection is conducted to ensure all components are correctly installed and there are no leaks. All debris is removed from the property, leaving the area clean and safe.

Potential Installation Challenges and Mitigation Strategies

Metal roofing installation can present several challenges. Understanding these challenges and implementing appropriate mitigation strategies is crucial for a successful project.

  • Difficult Roof Geometry: Complex roof shapes can make installation more time-consuming and require specialized techniques. Experienced installers use advanced planning and precision cutting to overcome these challenges.
  • Adverse Weather Conditions: Wind, rain, and extreme temperatures can significantly impact the installation process. Scheduling the installation during favorable weather conditions is crucial. Proper safety measures, such as securing materials and using appropriate equipment, are necessary to ensure worker safety.
  • Material Handling: Metal roofing panels can be heavy and unwieldy. Safe handling procedures and the use of appropriate lifting equipment are essential to prevent injuries and damage to materials.
  • Improper Fastening: Incorrect fastener placement or type can lead to leaks and compromised structural integrity. Careful attention to detail and adherence to manufacturer’s specifications are vital.

Importance of Proper Ventilation in Metal Roofing Systems

Proper ventilation is critical for the longevity and performance of any metal roofing system. Insufficient ventilation can lead to the buildup of moisture under the roofing material, resulting in condensation, mold growth, and premature deterioration of the roof deck and underlayment.

A well-ventilated metal roof system typically incorporates ventilation at both the soffit (low) and ridge (high) points. Soffit vents allow air to enter the attic space, while ridge vents allow the warm, moist air to escape. This continuous airflow prevents moisture buildup and maintains a stable attic temperature, extending the life of the roofing system and improving energy efficiency. The recommended ventilation rate often depends on the climate and the specific roofing system. For example, in hot and humid climates, a higher ventilation rate might be necessary to prevent excessive moisture buildup.

Warranty and Guarantees

Choosing a metal roofing contractor involves careful consideration of the warranty and guarantees offered. A comprehensive warranty protects your investment and provides recourse should issues arise with materials or workmanship. Understanding the different types of warranties and their implications is crucial for making an informed decision.

A strong warranty demonstrates the contractor’s confidence in their work and materials. It provides peace of mind, knowing that you have legal recourse if defects or failures occur within the specified timeframe. Conversely, opting for a contractor without a robust warranty significantly increases your risk of bearing the cost of repairs or replacements should problems develop.

Common Warranty Clauses in Metal Roofing Contracts

Warranty clauses typically cover aspects such as material defects, workmanship, and the overall lifespan of the roof. Specific clauses can vary, but common elements include:

  • Material Defects Warranty: This covers defects in the manufacturing of the metal roofing materials themselves, such as flaws in the metal sheets or coating failures. The duration of this warranty often ranges from 20 to 50 years, depending on the manufacturer and the type of metal used.
  • Workmanship Warranty: This covers defects resulting from the installation process, such as improper fastening, leaks due to poor sealing, or damage caused during installation. These warranties typically last for a shorter period, commonly 1 to 5 years.
  • Leakage Warranty: A specific clause guaranteeing the roof’s watertightness for a defined period. This warranty may overlap with the workmanship warranty but often extends for a longer duration, sometimes matching the material warranty period.
  • Prorated Warranty: Many warranties are prorated, meaning the contractor’s responsibility for repair or replacement decreases over time. For instance, a 20-year warranty might cover 100% of the cost in the first five years, 50% in the next five, and so on.

Comparison of Different Warranty Types

Metal roofing contractors may offer various warranty structures. Understanding these differences is key to choosing the best option for your needs. For example:

  • Manufacturer’s Warranty: This warranty is offered by the manufacturer of the metal roofing materials and covers defects in the materials themselves. It is separate from the contractor’s workmanship warranty.
  • Contractor’s Warranty: This warranty is offered by the roofing contractor and covers their workmanship and the installation process. It is crucial to carefully review the terms and conditions of the contractor’s warranty to understand the scope of coverage.
  • Combined Warranty: Some contractors offer a combined warranty that encompasses both the manufacturer’s warranty and their own workmanship warranty, simplifying the claims process.

Implications of Choosing a Contractor Without a Comprehensive Warranty

Selecting a contractor without a comprehensive warranty exposes you to significant financial risks. Should problems arise with the roof, you might bear the full cost of repairs or replacements, potentially amounting to thousands of dollars. This could include:

  • Cost of Repairs: Repairing a leaking roof or addressing faulty installation can be expensive, particularly if the problem is extensive.
  • Cost of Replacement: In severe cases, the entire roof might need replacement, representing a substantial financial burden.
  • Legal Disputes: Resolving issues with a contractor lacking a formal warranty can lead to lengthy and costly legal battles.

Cost Estimation and Budgeting

Understanding the cost of a metal roofing project is crucial for effective planning and budgeting. Several factors contribute to the final price, and a clear breakdown will help you make informed decisions. This section provides a sample cost estimate and discusses key influencing factors and payment options.

Sample Metal Roofing Cost Breakdown

The following table presents a sample cost breakdown for a hypothetical 2,000 square foot metal roofing project. Remember that actual costs can vary significantly depending on location, materials chosen, and project complexity.

Cost Category Cost per Square Foot Total Cost (2000 sq ft)
Materials (Metal Panels, Underlayment, Fasteners) $8.00 $16,000
Labor (Roof Tear-off, Installation, Cleanup) $6.00 $12,000
Permits and Inspections $1.00 $2,000
Contingency (Unexpected Costs) $1.00 $2,000
Total Estimated Cost $16.00 $32,000

Factors Influencing Metal Roofing Costs

Several factors significantly impact the overall cost of a metal roofing project. These include:

  • Roof Size and Complexity: Larger and more complex roofs (e.g., multiple levels, dormers, valleys) require more materials and labor, increasing the cost.
  • Metal Roofing Material: Different metal types (steel, aluminum, copper, zinc) and finishes (paint, coatings) vary considerably in price. Steel is generally the most economical, while copper is the most expensive.
  • Labor Costs: Labor rates vary by region and the contractor’s experience and expertise. Specialized skills, such as working on steep slopes or intricate designs, may command higher rates.
  • Existing Roof Condition: If a tear-off of the old roof is necessary, this adds significant cost to the project. The condition of the existing structure also affects the time and complexity of the installation.
  • Location and Permits: Permitting fees and regulations vary by location. Remote or difficult-to-access locations may also increase labor costs.
  • Additional Features: Adding features such as snow guards, ventilation systems, or custom designs will increase the overall project cost.

Payment Options for Metal Roofing Projects

Metal roofing contractors typically offer various payment options to accommodate different budgets and preferences. These may include:

  • Upfront Payment: A single payment made before the project begins.
  • Staggered Payments: Payments made at different stages of the project (e.g., upon signing the contract, after material delivery, upon completion).
  • Financing Options: Some contractors may partner with financing companies to offer loans or payment plans to customers.

Safety Regulations and Compliance

Metal roofing installation, while offering numerous benefits, presents inherent safety risks. Adherence to stringent safety regulations and the implementation of best practices are paramount to ensuring the well-being of workers and preventing accidents. This section details key safety considerations for metal roofing projects.

The safety of roofing professionals is a top priority. Compliance with Occupational Safety and Health Administration (OSHA) regulations, along with industry best practices, is essential for mitigating risks and creating a safe work environment. Failure to adhere to these standards can lead to serious injuries, project delays, and legal repercussions.

Safety Equipment Requirements

Proper personal protective equipment (PPE) is fundamental to safe metal roofing installation. This includes, but is not limited to, hard hats, safety harnesses with appropriate anchor points, fall arrest systems, safety glasses or goggles, hearing protection, work gloves, and steel-toed boots. Each piece of equipment plays a crucial role in preventing specific types of injuries. For instance, hard hats protect against falling objects, while safety harnesses prevent falls from heights. Regular inspection and maintenance of all PPE are vital to ensure its effectiveness. Employers are responsible for providing and ensuring the proper use of this equipment.

Potential Hazards in Metal Roofing Work

Several hazards are inherent to metal roofing installation. These include working at heights, which is a leading cause of serious injuries and fatalities in the construction industry. Sharp metal edges and sheets pose a risk of cuts and lacerations. Exposure to the elements, such as extreme heat or cold, sun exposure, and inclement weather, can also impact worker health and safety. Furthermore, the handling of heavy materials and equipment requires careful lifting techniques to prevent strains and sprains. Electrical hazards may exist if work is conducted near power lines.

Training and Best Practices

Comprehensive training is essential for all metal roofing installers. This training should cover proper safety procedures, the use of safety equipment, hazard recognition and avoidance, and emergency response protocols. Regular safety meetings and refresher courses reinforce safe work habits and address emerging safety concerns. Best practices include using proper lifting techniques, securing materials to prevent falls, utilizing fall protection systems consistently, and maintaining a clean and organized worksite to minimize trip hazards. Effective communication between workers and supervisors is also crucial for ensuring safety.

OSHA Compliance

Compliance with OSHA standards is legally mandated and crucial for worker safety. Specific OSHA standards relevant to metal roofing include fall protection regulations (29 CFR 1926 Subpart M), hazard communication (29 CFR 1910.1200), and personal protective equipment requirements (29 CFR 1926 Subpart E). Understanding and implementing these regulations are not merely legal obligations; they are fundamental to protecting the lives and well-being of roofing professionals. Regular inspections and adherence to safety protocols are essential for maintaining compliance. Failure to comply can result in significant fines and legal penalties.

Maintenance and Repair

Proper maintenance is crucial for extending the lifespan of your metal roof and preventing costly repairs. Regular inspections and timely attention to minor issues can significantly reduce the likelihood of major problems down the line. Neglecting maintenance can lead to premature deterioration and compromise the structural integrity of your roof.

Regular maintenance of a metal roofing system involves a proactive approach to identifying and addressing potential problems before they escalate. This preventative care not only saves money in the long run but also ensures the continued protection and performance of your investment.

Regular Maintenance Schedule for Metal Roofing Systems

A consistent maintenance schedule is key to preserving the longevity and performance of your metal roof. The frequency of inspections will depend on factors such as climate and environmental conditions, but a general guideline is provided below:

  • Annual Inspection: Conduct a thorough visual inspection of your roof at least once a year, preferably in spring or fall after periods of harsh weather. Look for signs of damage, such as loose or missing fasteners, dents, rust, or corrosion.
  • After Severe Weather: Following storms, high winds, or heavy snowfall, immediately inspect your roof for any damage. This is particularly important as debris or ice can cause unseen damage.
  • Gutter Cleaning: Clean gutters and downspouts twice a year, in spring and fall, to prevent water buildup and potential damage to the roof and its flashing.
  • Fastener Check: Every few years, check all visible fasteners for tightness and replace any that are loose or damaged. This helps prevent leaks.

Common Metal Roofing Repair Issues and Solutions

Several common issues can affect metal roofing systems. Addressing them promptly is essential to prevent further damage.

  • Rust and Corrosion: Rust is a common problem, especially in coastal areas or regions with high humidity. Repair involves removing the rusted area, applying a rust inhibitor, and repainting with a metal-specific paint. In severe cases, panel replacement may be necessary.
  • Dents and Scratches: Minor dents and scratches can often be repaired with a specialized dent puller or filler. For larger damage, panel replacement might be required.
  • Loose or Missing Fasteners: Loose or missing fasteners can lead to leaks. Tighten loose fasteners or replace missing ones with the appropriate type and size. Use a sealant around the fastener head to prevent water infiltration.
  • Leaks: Leaks can originate from various sources, including damaged panels, loose fasteners, or faulty flashing. Identifying the leak’s source is crucial for effective repair. This often requires careful inspection and may involve temporary patching until a permanent solution can be implemented.
  • Caulk Failure: Caulk around chimneys, vents, and other penetrations can fail over time. Regularly inspect and re-caulk as needed to prevent water intrusion.

Finding a Reputable Metal Roofing Repair Contractor

Selecting a qualified and reputable contractor is crucial for ensuring the quality and longevity of your repairs. Several steps can help in this process.

  • Check Credentials and Licensing: Verify the contractor’s licensing, insurance, and certifications. This ensures they are legally operating and have the necessary expertise.
  • Seek Recommendations: Ask for recommendations from friends, family, or neighbors who have had metal roofing work done. Online reviews can also be helpful but should be considered in conjunction with other factors.
  • Review Experience and Portfolio: Inquire about the contractor’s experience with metal roofing repairs and request to see examples of their previous work. Look for a consistent record of quality workmanship.
  • Obtain Multiple Estimates: Get at least three written estimates from different contractors to compare pricing and services. Ensure the estimates clearly Artikel the scope of work, materials used, and warranty provided.
  • Clarify Warranty and Guarantees: Understand the warranty or guarantee offered by the contractor for the repair work. A reputable contractor will stand behind their work.

Q&A

What is the average lifespan of a metal roof?

The lifespan of a metal roof varies depending on the material and quality of installation, but generally ranges from 50 to 75 years.

How much does a metal roof cost?

The cost of a metal roof varies greatly based on factors such as roof size, material chosen, complexity of the installation, and regional labor costs. It’s best to obtain multiple quotes from contractors.

Do I need a permit for a metal roof installation?

Yes, most jurisdictions require permits for major roofing projects. Check with your local building department for specific requirements.

What are the maintenance requirements for a metal roof?

Metal roofs require minimal maintenance. Regular inspections (twice a year) and occasional cleaning are typically sufficient.

Can I finance a metal roof installation?

Many contractors offer financing options, or you can explore home improvement loans through banks or credit unions.