A plain-English look at Property Assessed Clean Energy (PACE) financing — how it works, what it can and can't pay for, and how it's different from a personal loan. Financing available through our partner Renew Financial's RenewPACE program.
PACE stands for Property Assessed Clean Energy — a Florida financing structure that lets a homeowner pay for qualifying energy-efficiency and storm-protection improvements over time through an assessment added to the property's tax bill, rather than through a conventional personal or home-improvement loan. The financing is tied to the property itself, administered through a PACE program provider, not underwritten the way a bank personal loan is.
Because approval is based on the property rather than solely on a personal credit score, PACE financing can be an option for homeowners who might not qualify for — or might not want — a conventional loan for a roof or window project. Every PACE program has its own eligibility rules, and those rules can change. We are not a PACE administrator, so the authoritative source for current terms is the program itself: see floridapace.gov and confirm current terms directly with a PACE administrator before you commit to a project.
PACE programs in Florida are built around energy efficiency, renewable energy, and wind resistance — which is exactly why it comes up so often in roofing and window conversations. Two of the projects it's commonly used for:
A personal or home-improvement loan is underwritten against you — your income, your credit history, your debt-to-income ratio — and repaid directly to the lender as a separate monthly bill. PACE financing is structured differently: the assessment attaches to the property and is repaid alongside your property taxes, which is why homeowners who don't fit a conventional loan's credit box are sometimes still eligible. That structure also means the obligation can carry with the property rather than the individual — another reason to read the program's own terms carefully and ask questions before signing anything.
We are a licensed general contractor and roofing contractor, not a lender or a PACE administrator, and we don't state rates, payment amounts, or approval odds on this page — those come from the PACE program itself. What we can do is tell you honestly whether your project (a roof, impact windows, or an efficiency upgrade) is the kind of work PACE programs are typically built for, and point you toward floridapace.gov and a program administrator for the current numbers.
The only Palm Beach County contractor who is also a certified energy engineer — the owner inspects every job. Before you spend a dollar on financing of any kind, every roofing or window estimate includes a free wind-mitigation & energy walk-through, so you know what the project actually needs before you decide how to pay for it. Every job also carries a written one-year workmanship warranty.
Property Assessed Clean Energy. It's a Florida financing structure for qualifying energy-efficiency, water-conservation, and wind-resistance home improvements, repaid through an assessment on the property's tax bill.
Programs are built around energy and storm-protection upgrades — commonly roofing, impact windows and doors, insulation, and other efficiency improvements. It is not a general-purpose loan for work outside those categories, like a kitchen or bathroom remodel unrelated to energy or wind resistance.
A personal loan is underwritten against you and repaid directly to a lender. PACE financing attaches the assessment to the property and is repaid alongside your property taxes — which is why it can be an option for homeowners who might not qualify for, or want, a conventional loan.
No, not as of today. Financing runs through our partner Renew Financial's RenewPACE program — a PACE administrator — not directly through us. We'll point you to them and answer what we honestly can about eligibility for your project.
We don't publish rates, payment amounts, or terms on this page — those are set by the PACE program itself and can change. Confirm current terms directly with Renew Financial or at floridapace.gov.
PACE eligibility is generally based on the property rather than solely on a personal credit score, which is part of why it can work for homeowners who don't qualify for a conventional loan — but eligibility rules are set by the program administrator, not by us. Ask us and we'll point you to the right place to confirm.
Call (561) 779-3213 for your free wind-mitigation & energy walk-through and estimate. Once you know the scope of the roofing or window project, we'll tell you honestly whether it's the kind of work PACE programs typically finance, and point you to Renew Financial's RenewPACE program to confirm your eligibility and terms.
Because a PACE assessment is tied to the property and collected with property taxes, it's a question a real-estate closing can involve. We are not a PACE administrator or a real-estate attorney, so ask your PACE program administrator and, if you're selling, your closing agent about how a PACE assessment is handled at sale.
Availability depends on the PACE program and whether your local government participates. Check floridapace.gov for current program coverage in Palm Beach County and confirm with the administrator before assuming eligibility.