Section 1
What PACE financing actually is
PACE stands for Property Assessed Clean Energy. It's a way Florida lets homeowners finance hurricane-hardening and energy improvements — including impact windows and doors — and pay it back over time through your annual property-tax bill instead of a traditional monthly loan.
The full project is financed; you don't pay out of pocket to start.
Approval is equity-based. A soft credit pull only — checking eligibility won't ding your score.
Long, fixed terms keep the yearly amount manageable.
Eligibility is typically confirmed quickly once we know your property and project.
Section 2
Our financing partners
We're a registered contractor with two established Florida PACE providers, so we can match you to the program that fits your property:
One of Florida's longest-running PACE providers, used widely for storm-protection upgrades.
A PACE provider active across Florida for home-hardening projects.
You choose the provider and terms; we handle the permitted, code-compliant installation and the documentation that closes out your project.
Section 3
What you should know before you choose PACE
We'd rather you go in clear-eyed than surprised later. PACE is a great fit for many homeowners, but it works differently from a normal loan, and there are real trade-offs:
- It's repaid on your property-tax bill as a non-ad-valorem assessment. If your mortgage escrows your taxes, your monthly escrow can rise the year it kicks in.
- It's secured by a first-priority lien on your property — ahead of your mortgage. That's why approval leans on equity.
- At sale or refinance, most mortgage lenders require the remaining PACE balance to be paid off first. If you expect to sell or refinance soon, factor that in.
- Availability depends on your city/county having opted into the PACE program, and on your equity and property details.
None of this is a reason to avoid PACE — for the right homeowner it's the difference between protecting the house this season and putting it off. But if it's not the right fit for you, we'll tell you, and we'll talk through other options. We'd rather earn a customer for life than push the wrong financing.
Section 4
Stack your savings: financing + grant + insurance
PACE isn't the only lever. Used together, these can dramatically change your out-of-pocket math:
- My Safe Florida Home grant can fund a large share of a qualifying project. One critical rule: you can't start work before your grant is approved, so we sequence the project around that approval. See the grant page →
- Wind-mitigation insurance credits — documented impact products can qualify your home for premium credits; your carrier confirms the exact figure.
- PACE financing covers your out-of-pocket share so the project can happen now instead of "someday."