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A failing sewage system won't fix itself

Septic and sewer problems don’t stay small. What starts as a slow
drain or a patch of unusually green grass can become a health
hazard and a costly emergency. Addressing it now, on your terms,
costs less than waiting for it to fail.

See if you qualify

Why Florida homeowners can't wait on sewage repairs

South Florida’s septic and sewer systems face pressures that other states don’t

Rising groundwater

  • As sea levels rise, groundwater rises with them
  • Miami Dade County estimates that by 2040, more than 64% of its 100,000+ septic systems could be periodically failing as a result

County-mandated conversions

  • Miami Dade County is actively requiring properties to convert from septic to sewer as infrastructure expands
  • Other South Florida counties may follow in the near future

Health & environmental risk

  • A failing septic system contaminates the groundwater and soil around your home
  • South Florida’s shallow water table means problems reach the Biscayne Aquifer quickly

Property damage

  • Sewage backups and drain field failures cause significant structural damage
  • The longer a failing system runs, the more expensive the repair

Signs your sewage system needs attention

Look for:

  • Slow drains throughout the home, not just in one fixture
  • Sewage odors inside the home or in the yard
  • Unusually green or wet patches of grass over the drain field
  • Sewage backup in toilets, sinks or tubs
  • Gurgling sounds in drains or toilets
  • Your county has notified you of a required sewer connection
  • Your septic system is more than 20 to 25 years old
  • Your home has aging cast iron pipes showing signs of corrosion or rust

If any of these apply, it’s worth getting a professional assessment
and knowing your financing options before you do.

What Ygrene can help you finance

Ygrene PACE financing covers a full range of septic and sewer repairs

Plumbing repair

  • Address damaged or deteriorating pipes before they cause larger damage to your home or system

Septic tank replacement

  • When a tank has failed or reached the end of its useful life, full replacement is often the most reliable solution

Septic to sewer conversion

  • When public sewer becomes available in your area, or when county requirements mandate a connection, Ygrene can finance the full conversion

Sewer lateral replacement, repair and re-pipe

  • The lateral line connecting your home to the public sewer is your responsibility. When it fails or backs up, repairs can be significant. Ygrene covers the full scope

Trenchless sewer line

  • Where traditional excavation isn’t practical, trenchless methods allow pipe repair or replacement with minimal disruption to your property

Payments you can actually afford

Septic and sewer repairs are among the most expensive and least expected home repair costs. Traditional financing like personal loans and credit cards demands repayment in two to five years. That means high monthly payments on top of everything else.

Ygrene PACE financing works differently. With repayment terms up to 20 years, your monthly payment is significantly lower, making a necessary repair actually manageable.

How Ygrene financing works

Approval based on your home's equity and ability to repay, not your credit score.

We look at the value of your property, not your credit history. No impact to your credit.

Repaid through property taxes.

Your Ygrene assessment is added to your annual property tax bill. No separate loan payment to manage each month.

Up to 20 years to repay.

Longer terms mean lower payments. You choose a term that fits your budget.

Your contractor is paid only after the work is complete.

You're protected throughout the process.

See if you qualify

Real results from real homeowners

“Before, every time it rained we saw evidence of roof leaking, so we kept making repairs on a yearly basis. Now we have peace of mind. We don’t have to think about the roof anymore.”

— The Pierces, Weston, FL

Read more stories

Ready to address your septic or sewer system?

Find out if your property qualifies. It takes minutes, there’s no credit impact, and you’ll know exactly what your options are.

Apply now

Or, call us at 866-634-1358