Ygrene offers PACE (Property Assessed Clean Energy) financing for Florida homeowners who need critical repairs like roofs, windows, doors and septic systems.

Why homeowners choose Ygrene PACE financing

No costs until work is done

Zero money out of pocket to start your project. Repayment begins only after your repairs are installed.

Affordable payments

Up to 20 years to repay means lower payments that fit your budget. Fixed rates that won’t change over time.

No credit impact

Soft credit pull only, no impact on your score. Approval based on equity in your home & ability to repay.

Getting started is easy

Apply online

Takes about 10 minutes to complete
No impact to your credit score
Most decisions within 30 minutes

Get approved

Approval based on equity in your home and ability to repay
Choose your contractor or work with one you trust
We’ll confirm your project qualifies for PACE financing

Complete your repairs

Your contractor completes the work
We pay the contractor directly once work is verified
You don’t pay anything out of pocket

Repay over time

Financing is repaid through your property tax bill
Spread payments over up to 20 years
Fixed rate means predictable payments you can handle

Understanding PACE financing

How you pay

PACE financing is repaid through your property tax bill.

If you pay through mortgage escrow: Your mortgage lender collects property taxes as part of your monthly payment. The PACE assessment will be included in that collection, and your lender pays it to the county on your behalf.

If you pay property taxes directly: You'll pay the PACE assessment when you pay your property taxes (annually, semi-annually or quarterly, depending on your county).

The key benefit: You're not adding another separate bill to manage. PACE is paid the same way you already pay property taxes.

How it’s secured

PACE financing is secured by your property. A voluntary tax assessment is placed on your property, which is why the financing is repaid through property taxes rather than a separate monthly bill. When you pay off the financing in full, the assessment is removed from your property.

Why it’s called PACE

PACE stands for Property Assessed Clean Energy. While originally designed for energy-efficient upgrades, PACE financing now covers necessary home repairs that Florida homeowners need most: roofs, windows, doors, HVAC systems, septic systems and more.

See how Ygrene PACE financing works

Learn how Ygrene PACE financing helps Florida homeowners afford necessary repairs in this quick overview.

What you should know

PACE stands for Property Assessed Clean Energy. It's financing for home improvements and energy-efficient upgrades that's repaid through your property tax bill. This structure allows for longer repayment terms (up to 20 years) and approval based on your home's equity rather than your credit score.

Roofs, windows, doors, HVAC systems, septic systems, solar panels, storm protection and many other energy-efficient upgrades qualify for PACE financing See all eligible projects

The amount you can finance depends on the equity in your home and your ability to repay. During the application process, we'll review your specific situation and let you know the maximum amount available to you.

No. We perform a soft credit check that has no impact on your credit score. PACE financing isn’t dependent on your credit score and doesn't appear on your credit report because it's a property assessment, not a traditional loan.

PACE financing results in a superior lien with priority over any existing mortgage loans. Our team will guide you through any lender requirements and help with that process.

Yes. You can make partial or full early payments at any time with no prepayment penalty. The minimum partial payment is $2,500. After the first year, early payments can help you save on interest over the life of the financing.

Ygrene offers competitive fixed rates that don't change over the life of your financing. Contact us for current rates.