PACE Roof Financing in West Central Florida

A Different Way to Finance a Roof

Most roof financing looks at your credit score first. PACE, which stands for Property Assessed Clean Energy, works differently. It lets Florida homeowners pay for qualifying improvements, including a wind-resistant new roof, through a fixed assessment added to your annual property tax bill and repaid over a long term. Because it is tied to the property and your equity, it can be an alternative for homeowners who do not qualify for credit-based financing.

Two Ways to Finance Your Roof

We offer two paths so you can pick the one that fits. Many homeowners qualify for both and choose based on term, payment, and how they prefer to repay.

Wisetack

A monthly payment plan, based on your credit
Check your rate in under a minute, no score impact
Rates from 0% APR for qualified homeowners
Best for shorter terms and a fast, simple sign-up

See Wisetack Options

PACE Financing

Repaid annually with your property taxes
Based largely on home equity, not credit score alone
Fixed rate, long repayment terms
An alternative when credit-based financing is not a fit

See If You Qualify

Who PACE Is a Good Fit For

You have home equity. PACE looks at your property and payment history more than your credit score.
Credit-based financing was not a fit. Homeowners who do not qualify for a credit-based plan often still qualify for PACE.
You want a longer term. Spread the cost of a full reroof over many years at a fixed rate.
It is wind-mitigation work. In Florida, a wind-resistant roof replacement is an eligible improvement.

What to Know Before You Choose PACE

We believe in plain answers, so here is exactly how PACE is different from a regular payment plan:

It is an assessment, not a loan. You repay it through your property tax bill, not to a lender each month.
It places a lien on your property. PACE financing is secured by an assessment, which is a lien recorded against your home.
It affects selling and refinancing. Many mortgage lenders require the assessment to be paid off when you sell or refinance, so plan to address it at closing.
Talk to a tax advisor. Because PACE is repaid with property taxes, confirm any tax questions with your own tax advisor. We do not give tax advice.

FAQ

Is PACE a loan?

No. PACE is a voluntary assessment on your property, repaid over time with your property taxes, not a personal loan. Approval is based largely on your home equity and property payment history rather than your credit score alone.

Does PACE place a lien on my home?

Yes. PACE financing is secured by an assessment, which is a lien, recorded against your property. The balance is repaid through your property tax bill. We will walk you through exactly how that works before you decide.

What happens if I sell or refinance?

Many mortgage lenders require a PACE assessment to be paid off at the time you sell or refinance. Treat it as something you will need to address at closing, and confirm the details with your lender and a tax advisor.

Can I use PACE for a new roof?

Yes. In Florida, a wind-resistant roof replacement qualifies as an eligible improvement. Not all improvements may be eligible for PACE financing.

Is PACE a government program, or is it free?

No. Although Florida law enables PACE through local governments, it is not a government program and it is not free. It is a financing option you repay with interest through your property taxes.

PACE financing is offered through a third-party PACE program and is subject to eligibility and approval. PACE is an assessment on your property that is repaid through your property tax bill, not a loan, and it is secured by a lien recorded against your property. PACE is not a government program. Scotti Family Roofing does not provide tax advice; please consult your own tax advisor. Monthly payment figures, where shown, are for budgeting purposes only and are to be repaid annually with property taxes. Not all improvements may be eligible for PACE financing.

Pay for Your Roof Through Your Property Taxes.