Can a roofing contractor do this?

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My mother's house needed fairly major roof repair. She is a senior. A contractor offered to fix the roof, and stated she would be able to make monthly payments. Contractor provided my mom with the forms to obtain financing to have the work done (as an unsecured loan). We checked with the BBB, and they checked out okay. Both my brother and I looked over the contract, and everything looked fine. The contract also stated no payments for 6 months. So, she filled out the bank form and signed the contract. Now, almost 3 weeks later, the job is like 95% done, and we get a call from the contractor's head office advising us that the financing was not approved. So now what?? My mother could get a mortgage through her own bank...but it seems unethical for the contractor to have started the work when the financing wasn't even approved. It was the contractor that suggested the financing, and who provided and submitted the credit app. Had we known sooner, we could have canceled the contract

Can a roofing contractor do this?

I really don't see anything either unethical or illegal. She was offered something that's the equivilent of "store credit", but I'm sure there's a line in the application and the contract that it's contingent on approval of her application. The fact that he started the work before the application was reviewed is really him going out on a limb. If her credit was poor (and he had no way of knowing ahead of time) then he's purchased all of those materials and will have to pay all of those workers and risk not getting any reimbursement for it at all. HE was the one taking the risk.

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Can a roofing contractor do this?

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