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Ygrene's award-winning PACE program, with built-in consumer protections, delivers greater choice for home and business owners by providing accessible and affordable financing for energy efficiency, resiliency, renewable energy, water conservation, storm protection and seismic upgrades. (Qualifying upgrades vary by state. Explore qualifying projects by state here.)

Eligibility for Ygrene is based primarily on home equity and in the state of California, your ability to pay, among other factors. No minimum credit score is required, and this service will not affect your credit score2. Payments can be spread out up to 30 years with no payments for up to a year or more, subject to underwriting guidelines, approvals and date of funding.

Depending on where you live, PACE financing can be used for improvements on commercial, residential, nonprofit, light industrial and agricultural properties. PACE helps communities at all levels: by lowering utility bills for property owners, increasing home values creating green jobs and helping local governments achieve important environmental goals.

Despite some similarities, PACE isn’t a loan. PACE financing does provide you with upfront money which you have to repay over time (with a low interest rate). But because the financing is attached to the property and repaid through your property taxes, it’s classified as a property assessment instead of a loan.

No. PACE programs are made possible by state legislation and approved by local governments. However, PACE financing is not a government incentive or subsidy program. PACE does not provide any special discounts, government funding, or payment forgiveness to those who opt to use it.

PACE eligibility is based on a variety of factors, primarily the amount of equity you have in your home, your ability to repay the assessment, and your mortgage payment history.