<prompt> Human: Im on a tight budget. My roof is not leaking but its close to the end of its useful life. What would be the best way to finance the new roof with the goal being the lowest monthly payment possible. Is is possible my mortgage company would finance it over the course of the life of my mortgage 23 years left? I have good credit. Thanks!  <response>: Start saving up your cash for when the roof eventually gives up. 