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How Ygrene PACE financing works

Affordable payments for necessary home repairs, paid through your property taxes.

Check your eligibility

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

PACE financing lets you spread the cost over up to 20 years with fixed rates and no impact to credit.

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.

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.

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.

In most cases, PACE financing must be paid off when you sell your property and you are required to disclose PACE to potential buyers.
See all FAQs

Why choose Ygrene?

Personal loans
Payment terms
2-10 years typical
Up to 20 years
Impact on credit
Yes, affects credit score
No impact
Approval based on
Credit score
Equity in your home & ability to repay
Interest rates
Varies by credit score
Fixed, regardless of credit
Repayment
Separate bill to manage
Through property taxes

Eligible projects

PACE financing covers necessary repairs and energy-efficient upgrades for Florida homes.

Roofing

Sewer/septic

HVAC

Windows & doors

Storm protection

Other energy-efficient improvements

See all eligible projects

Ready to get started?

See if you qualify for Ygrene PACE financing in minutes.

Apply now

Or, call us at 866-634-1358