No Credit Needed

PACE Program

Fixed interest, no credit check, repaid through your property taxes.

PACE (Property Assessed Clean Energy) is a Florida financing program that lets you pay for a new roof through your property tax bill. Because the loan is attached to the property — not your personal credit — there is no traditional credit check, and eligibility is open to almost every homeowner.

How It Works

  1. 1

    We give you a free estimate and confirm your property is PACE-eligible.

  2. 2

    You apply through a PACE provider (approval is based on home equity and tax history, not personal credit).

  3. 3

    Once approved, the financing is added to your property tax assessment.

  4. 4

    We complete your roofing project.

  5. 5

    You repay the financing over time as part of your annual property tax bill.

Who It's For

  • Homeowners with limited or bruised credit who may not qualify for a traditional loan.
  • Buyers who prefer to finance through their property rather than personal credit.
  • Properties with enough equity to support the assessment.

The Benefits

  • No traditional credit check required
  • Fixed interest rate for the life of the financing
  • Long repayment terms (up to 30 years) keep payments low
  • The assessment can transfer to the next owner if you sell the home

Good to Know

  • • Repayment is added to your property tax bill, so your annual taxes go up.
  • • PACE is secured by your property — similar to a second mortgage — not unsecured debt.
  • • Not every property or county participates; we can confirm eligibility for you.

Not sure which option fits you?

Reach out and we'll walk you through every financing path — no pressure, no obligation. We'll help you pick the one that actually matches your situation.

Call 305-481-7057