A leaky, storm-damaged, or deteriorating roof can be a homeowner’s nightmare, but it doesn’t have to destroy your budget or your peace of mind. Florida homeowners often delay much-needed roof replacement or repairs because they simply don’t have the cash on hand. That’s where PACE financing (Property Assessed Clean Energy) comes in: a smart, accessible way to get your roof fixed or upgraded now, with no upfront costs.
What Is PACE Financing?
PACE is a government-backed financing program that lets homeowners fund eligible home improvements (including roofing, energy-saving systems, and storm-hardening upgrades) through a long-term, fixed-rate assessment on their property tax bill (Florida PACE Funding Agency). You don’t pay anything out of pocket upfront, and the cost is spread over time – typically 10 to 30 years – so monthly payments are manageable.
Why It Matters for Florida Homeowners
In areas like Central Florida, where hurricanes, high heat, and humidity are constant threats, roofing issues can escalate quickly. A small leak can lead to serious interior damage if left unattended. With PACE, homeowners, especially those on tight budget, don’t have to wait to protect their most important investment.
No one should sit helplessly as a lousy roof endangers their home. With PACE, you can act now, installing a new roof with confidence and without draining your savings.
PACE Works for Roofing…and Much More
PACE covers a broad range of eligible home improvements, including:
- Roof replacement and roof repair, including hurricane-hardening elements like wind-resistant shingles, enhanced roof-to-wall connections, and water barriers.
- Other projects like hurricane shutters, energy-efficient windows, and HVAC upgrades are also commonly funded.
How It Works: Simple, Transparent, and Homeowner-Friendly
- Check eligibility: Not every county or city in Florida offers PACE. Your property must also meet basic requirements like current mortgages and no delinquent taxes.
- Apply online or by phone through a PACE provider or the Florida PACE Funding Agency.
- Select your contractor. You can choose your own contractor you trust…like Eave & Gable Roofing ;).
- Work begins when you’re satisfied. PACE authorizes payment only after your project is complete and you’re happy with the results.
- Repayment is easy. Fixed assessments are added to your annual property tax bill. No balloon payments, prepayment penalties, or credit checks.
No One Should Watch Their Home Fade Away Because of Finances
For many lower-income or cost-conscious homeowners, the thought of replacing a roof can seem impossible. PACE alleviates that burden, letting residents secure a durable, weather-resistant roof now without worrying about upfront costs. Whether you need a full roof replacement or simply want to warn-proof and upgrade your aging system through high-quality materials, PACE offers real relief.
PACE Is Available in Many Parts of Central Florida
Several Central Florida counties and cities have adopted PACE as a homeowner-friendly financing option. This includes areas like Osceola, Orange, Seminole, and Polk counties, where homeowners in places like Kissimmee, Altamonte Springs, Groveland, and Sanford may qualify.
But remember: availability is never 100% guaranteed for every address. Eligibility depends on both county adoption and specific property status.
How We Can Help
At Eave & Gable Roofing, we’ve seen firsthand how PACE can transform a homeowner’s ability to act when their roof fails. Our PACE specialists are here to guide you every step of the way, from eligibility checks to application assistance and expert installation.
Let us:
- Confirm if your location qualifies for Florida PACE.
- Educate you on what PACE covers and how assessments are added to your taxes.
- Perform a thorough roof inspection or guide you toward a reliable roof replacement with top-quality service and materials that will safeguard your home for decades.
Why Take Advantage of PACE?
| Benefits of PACE Financing | Why It Matters |
|---|---|
| $0 down, 100% financing | Protect your home now without draining savings |
| Fixed payments over decades | Spreading the cost makes it affordable |
| Based on property equity, not credit | Inclusive for more homeowners |
| Stay proactive | Avoid water damage and higher repair costs |
| Resilient, energy-efficient upgrades | Boost value, reduce bills, stay storm-ready |
You Need to Look Into This
A strong, well-built roof is more than just shingles over your head, it’s your home’s first line of defense against the elements. You shouldn’t have to wait and watch a leak slowly erode your home because cash is tight. Florida PACE financing makes a better roof a reality for more homeowners.
If you think your property might be eligible or just want to explore roofing options, get in touch with Eave & Gable Roofing today. Unfortunately, PACE isn’t available in every community, but our team can help you determine eligibility, walk you through the PACE program, or explore other options, and help you protect your home without financial stress.