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    Understanding PACE Financing

    PACE is a financing option, not a rebate or grant. You borrow money and repay it. Understanding how PACE works helps you make informed decisions about funding your home improvement projects.

    PACE is a financing option, not a rebate or grant. Repayment may be made through a voluntary assessment on your property tax bill. Program availability and terms vary. Consult your lender and review all disclosures before signing.
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    How It Works

    PACE Step by Step

    1

    Check Eligibility

    We help you determine if your property and project qualify for PACE financing in your area.

    2

    Review Terms

    Review all program terms, rates, fees, and repayment details carefully before committing. Ask questions.

    3

    Complete Project

    Once approved, we complete your qualifying home improvement project with licensed, permitted work.

    4

    Repay Over Time

    Repayment is typically made through a voluntary assessment on your property tax bill over the agreed term.

    Important Facts About PACE

    It Is Financing

    PACE is a loan. You are borrowing money that must be repaid with interest and fees. It is not a rebate, grant, or free money.

    Property Tax Assessment

    Repayment may be made through a voluntary assessment on your property tax bill. This can affect your property tax obligations.

    Transfer Considerations

    PACE assessments may transfer with the property when sold. Buyers and lenders should be aware of existing PACE obligations.

    Program Varies

    PACE availability, terms, rates, and eligible improvements vary by program provider, county, and municipality.

    D2: PACE

    PACE is a financing option, not a rebate or grant. Repayment may be made through a voluntary assessment on your property tax bill. Program availability and terms vary. Consult your lender and review all disclosures before signing.

    PACE Frequently Asked Questions

    Is PACE a rebate or grant?
    No. PACE is a financing option. You borrow money and repay it, typically through a voluntary assessment on your property tax bill. It is not free money, a rebate, or a government grant.
    What projects qualify for PACE?
    PACE programs typically cover energy efficiency improvements, renewable energy, wind resistance, and water conservation projects. Eligible improvements and program rules vary by provider and location.
    How is PACE repaid?
    PACE financing is typically repaid through a voluntary assessment added to your property tax bill. Terms, rates, and repayment schedules vary by program and provider.
    Does PACE require good credit?
    PACE programs have different qualification criteria than traditional financing. Eligibility is typically based on property equity and payment history rather than credit score alone. Requirements vary by program.
    Can PACE be transferred when I sell my home?
    PACE assessments may transfer with the property upon sale. This is an important consideration. Review all terms carefully and consult your lender before signing.
    Is PACE available in my area?
    PACE program availability varies by county and municipality in Florida. We can help you determine if PACE is available for your property and project type.

    Have Questions About PACE?

    Our funding guidance team can explain PACE in plain language and help you understand if it's the right option for your project.

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