Ygrene PACE financing
Get the roof done now, pay over time
Through Ygrene's PACE program, qualifying Florida homeowners can finance a roof with no down payment and repay it on their property tax bill — with approval based on home equity rather than a credit score.
- No down payment — Ygrene finances the full cost of the roof
- No credit score requirement — the decision is based on your home equity
- Repaid through your property tax bill, not a separate monthly loan payment
- A PACE assessment is not a bank loan on your credit report
Subject to Ygrene's approval and terms.
What Ygrene PACE financing is
Ygrene is a PACE provider. PACE stands for Property Assessed Clean Energy — a government-authorized program that lets Florida homeowners finance certain home improvements, including roofing (a sound roof counts as wind hardening), and repay them through an assessment added to the annual property tax bill.
The part that matters to most homeowners is how approval works. A PACE assessment is secured by the property, so the decision leans on your home equity and your record of paying property taxes rather than on a credit score. That is why it reaches people a bank turns down.
It is still financing, not a discount — so it is worth understanding before you sign. Here is the honest version.
What to know before you sign
- PACE is repaid as an assessment on your property tax bill, not as a separate monthly loan payment.
- Approval is based mainly on your home equity and property tax history rather than your credit score.
- The assessment attaches to the property. It stays with the home if you sell unless it is paid off at closing.
- Because it sits on the tax bill, some mortgage lenders require it to be paid off when you sell or refinance.
- Rates and fees are set by Ygrene, and PACE rates are often higher than a home equity loan. Compare before you sign.
PACE is offered county by county, so we confirm what is open in your city before you apply for anything.
How it works, step by step
Get your free estimate
We inspect the roof and give you a written, flat rate quote. This costs nothing and does not commit you to financing anything.
Apply with Ygrene
We help you start the application. It takes minutes and there is no bank visit — but the application goes to Ygrene, not to us.
Ygrene decides
Approval is based on your property equity and your property tax history rather than a credit score. Ygrene sets the rate and the term, and gives them to you in writing.
We schedule the work
Once you are approved and have accepted Ygrene's terms, we order materials, pull the permit and schedule the crew.
Flat Rate Roofing is a roofing contractor, not a lender or a financial adviser. We do not approve applications, set rates or receive your credit information. Any financing terms come from Ygrene in writing, and you should read them — or have someone you trust read them — before you accept.
Start with the estimate
Get the number in writing first. Financing is a separate decision, and it is yours.