Question 1

What is PACE financing and how does it work?

Accepted Answer

PACE (Property Assessed Clean Energy) is a Florida-approved financing program that lets homeowners complete energy-efficient or storm-resistant improvements with no upfront cost. Instead of traditional monthly payments, the balance is added to your property tax bill and repaid over 5–30 years.

Question 2

Does PACE require a credit check?

Accepted Answer

PACE does not rely on your credit score for approval. Eligibility is based mainly on your home equity, property tax history, and mortgage status, making it a great option for homeowners who may not qualify for traditional financing.

Question 3

How do PACE payments work?

Accepted Answer

Your PACE repayment is added to your annual property tax bill as a line item. Payments are fixed and predictable for the entire term you select, and there is no penalty for early payoff.

Question 4

Who qualifies for PACE financing in Florida?

Accepted Answer

Homeowners may qualify if property taxes and mortgage payments are current, the property has sufficient equity, there are no recent bankruptcies, and the home is located in a participating PACE district such as Broward County.

Question 5

What roofing projects can be financed through PACE?

Accepted Answer

PACE covers most storm-resistant and energy-efficient improvements, including full roof replacements (tile, shingle, flat, TPO, metal), roof repairs, underlayment upgrades, insulation improvements, impact windows and doors, HVAC systems, solar, and more.

Question 6

Can I sell my home if I have a PACE assessment?

Accepted Answer

Yes. A PACE assessment typically transfers to the new homeowner because it stays with the property, not the individual.

Question 7

Does PACE affect refinancing or mortgage approval?

Accepted Answer

Some lenders require the PACE balance to be paid off before refinancing or securing certain types of mortgages. Homeowners should discuss the PACE assessment with their lender during refinancing.

Question 8

How long does PACE approval take?

Accepted Answer

Most PACE approvals happen within minutes once property information is verified, allowing homeowners to start roofing or home improvement projects quickly.

Question 9

Is PACE considered a loan?

Accepted Answer

PACE functions differently from a traditional loan. It is a property assessment tied to your home rather than your personal credit, and payments are made through your property tax bill instead of a monthly loan payment.

Question 10

Does PACE offer fixed interest rates?

Accepted Answer

Yes. PACE provides fixed, locked-in interest rates for the entire repayment term, which can range from 5, 10, 15, 20, or up to 30 years depending on the provider.

PACE Financing for Roofing & Home Improvements in Broward County

Upgrade your home now. Pay over time with fast, affordable PACE financing no upfront cost.

What Is PACE Financing?

Why PACE Financing Helps Homeowners

PACE Eligibility Requirements in Florida

Eligible Roofing & Home Improvements

How PACE Financing Works

Step 1 — Check Eligibility
We review your property tax status & home equity.

Step 2 — Choose Your Project
Select the roofing system or improvement needed.

Step 3 — Approval & Documentation
Most approvals happen within minutes.

Step 4 — Work Begins
We complete your roofing or construction project with Florida-rated materials.

Step 5 — Pay Over Time
Your payments get added to your property tax bill.

See If You Qualify for PACE Financing