FLORIDA’S PACE PROGRAM FOR ROOFING

TAKE ADVANTAGE OF PACE ROOFING WITH FLORIDA MAN AC

Florida’s PACE program helps eligible homeowners fund necessary home improvements, including swapping out tired, storm-worn roofs for energy-efficient upgrades. PACE funding in Florida, when available, is one of the ways that Florida Man AC makes new roof installations and replacements affordable, simple, and stress-free. Not everyone qualifies, but if you do, it’s as satisfying as catching a breeze off Biscayne Bay on a July afternoon.

HOW ROOFING FINANCING WORKS WITH PACE

Our process is designed to be simple and transparent, even if your credit score is lower than you’d like.

Step 1

Pre-Approval

Begin by submitting the quick pre-approval form available on our website.

Step 2

Connect with Local Installers

Take advantage of our extensive network of quality service providers across Florida.

Step 3

Service Selection

Choose from a variety of Roofing Materials that best suit your needs.

Step 4

Financing Approval

Experience our secure and fast financing approval process, usually within 15-20 minutes, to move forward without delay.

Step 5

Quick Scheduling

We coordinate quick scheduling with our skilled subcontractors to get your new roof on as fast as possible.

Our commitment to top-quality workmanship and professional service is evident in every job that requires financing for a new roof. A standout feature of our Roof financing services is our ability to quickly schedule installations by our subcontractors, making Florida Man AC a go-to choice for quick and reliable Roof solutions in Florida. Roofing installs are scheduled as quickly as possible, given subcontractor and materials availability.

Don’t Wait. Get Pre-Approved Today!

WHY WORK WITH FLORIDA MAN AC?

Unlike specific PACE program Florida contractors, we don’t just push financing and disappear. Florida Man AC is your neighbor and your partner in money-saving upgrades to your home, whether you need HVAC financing or roof financing. Our incredible team knows the details like the tides of the Gulf, handling the fine print, protecting your approval amount, and connecting you only with vetted, licensed roofing contractors who install roofs that can handle everything from blistering sun to hurricane winds.

PACE is just one of the many tools in our belt. When it’s available, we’ll match you with the program’s benefits. When it’s not, we’ll find other ways to make your roof replacement affordable. Either way, you’ll get Florida-tough roofing, honest guidance, and financing that works for your situation.

The Florida Man Guarantee

Fast Decisions

Applications receive a response
the same day to get your roof done faster.

Financing for New Roof

Options that match your specific roof size and household budget.

Flexible Credit Options

Ideal for homeowners rebuilding
credit or applying with limited history.

Hear what homeowners just like you have to say

WHAT IS PACE FINANCING IN FLORIDA & HOW DOES IT WORK?

PACE (Property Assessed Clean Energy) is a state-authorized program that helps Florida homeowners finance improvements like new roof installations, roof replacements, and hurricane-ready systems. Instead of borrowing from a bank, the PACE program for Florida roof upgrades adds the cost to your property tax bill and spreads it out over a fixed term, typically 5 to 20 years. Utilizing the state’s PACE roof financing program is an excellent option for some homeowners, depending on the work needed and prerequisites. Here are a few key features that make the Florida PACE roofing program stand out:

Credit Not Required: Approval is based on property equity and tax history.

No Upfront Costs: Payments start with your tax bill, not your savings account.

Predictable Payments: You’ll know upfront what’s being added to your property taxes.

Transferable Lien: Not sure how long you’ll be in this residence? Don’t worry! If you sell, the assessment can be transferred to the new owner.

With Florida Man AC’s roof financing services in Florida, we always do our best to get you the best rates and deals, including any available governmental initiatives you qualify for. We work with every credit level, including good credit, bad credit, and no credit. The Florida PACE roofing program has been in place since 2010, and while it isn’t available in every county, it’s a powerful way to upgrade your home when it is.

HOW DOES FLORIDA MAN AC PROVIDE ACCESS TO PACE PROGRAM FINANCING?

Florida Man AC has roof financing locations across Florida, and we’re proud to be able to connect our neighbors with PACE roofing financing in approved Florida counties and municipalities. We handle the details so you don’t have to sweat the paperwork—or the heat. Speaking of heat, we also offer HVAC financing assistance throughout the Sunshine State.

Your approval amount is based on a percentage of your home’s equity, up to 20%, and it doesn’t reduce your equity at all. Instead of borrowing from a bank, your annual tax bill is simply adjusted by the PACE assessment amount. The big win? No upfront costs and predictable repayment through property taxes.

To protect you, your approval amount isn’t shared with contractors. That means no surprises from contractors who might otherwise inflate costs. With Florida Man AC, your financing stays private, and only our licensed, vetted roofing subcontractors handle your installation—so you get trustworthy work and roofs that last.

HOW FLORIDA MAN AC’S PACE FINANCING PROCESS WORKS

Our financing-first approach means that we can get you the fastest financing for a new roof or roof replacement – with most approvals in 20 minutes. Not every residential financing company can make the same claim, even some PACE program Florida contractors. Our straightforward process makes it easy to tap into PACE roof financing when it’s available and the right fit for your home. Here’s how we guide you through:

Submit an Application: Fill out our fast, secure pre-approval form. Unlike traditional financing, our financing-first approach and lightning-fast approvals are made to fit your budget, even if you have a less-than-ideal credit history.
Quick Assessment: We confirm your local PACE program Florida requirements to determine eligibility based on your property location.
Plan Approval: Once approved, you’ll know your financing amount and repayment terms upfront. Our goal is to provide complete transparency and eliminate surprises, so you’re not caught off guard before, during, or after your roof financing plan is in place.
Select Your Roof System: We walk you through all of your options! Select the most suitable materials for your location, home size, and budget. Select from types like shingles, metal, or tile that meet Florida PACE standards.
Schedule Installation: We have an extensive network of licensed roofing contractors available throughout the state, ready to get started.
Repayment: Your assessment is added to your property tax bill, spread out over time, making it convenient to pay for your brand-new roof.

PACE isn’t the right choice for every homeowner, but when it aligns with your home’s roofing requirements, Florida Man AC ensures the process is smooth and transparent from application to installation.

FREQUENTLY ASKED QUESTIONS

What are the PACE program Florida requirements for roofing?

To qualify, you must meet the PACE program Florida’s eligibility guidelines: be a homeowner, current on your mortgage, and up to date on property taxes paid on time for the last 3 years. A credit check isn’t required, but availability depends on your location. Not every county offers the program, so it’s important to confirm eligibility. You can use the Florida PACE service map to see if your area participates, or simply contact Florida Man AC, and we’ll check for you, then guide you through the process.

Will applying for PACE funding in Florida affect my credit?

Unlike traditional loans, PACE loans in Florida are tied to your property, not your credit report. That’s why PACE can be a game-changer for homeowners with bad or fair credit who still need a reliable new roof. For more information on how we incorporate this incentive, email or call Florida Man AC’s stellar customer service team, or complete the pre-approval roof financing form, and we will respond quickly.

Will FEMA pay for a new roof in Florida?

When disaster strikes, government aid is one of the ways people get back on their feet. However, FEMA generally does not cover the cost of a full roof replacement unless your home is located in a federally declared disaster area and the roof damage renders the property uninhabitable. Even then, assistance is usually limited, may take months or years to process, and rarely covers the total costs. That’s why programs like the Florida PACE roofing program can be so valuable.

Will my homeowners’ insurance go up if I file a roof claim in Florida?

Filing a roof claim may cause your insurance premium to increase, especially if your roof is older or has multiple claims on file. In some cases, insurers may even choose not to renew policies due to Florida’s increasingly severe weather conditions. Financing through PACE loans in Florida or other Florida Man AC financing options can help you replace your roof without relying solely on insurance claims, avoiding potential hikes in your premiums.

What are the drawbacks of the PACE program for roofing?

While the PACE program in Florida has significant advantages, like eligibility for homeowners who have fair or poor credit, no credit checks, and no upfront costs, it isn’t right for everyone. The main drawbacks are that it places a lien on your property and increases your property tax bill by the amount of the monthly payment associated with your new roof. Not all lenders and buyers are familiar with PACE liens, which could affect refinancing or selling your home if you go with someone else, that is. Florida Man AC reviews the pros and cons with you to make sure it’s a smart move before recommending it.

DON’T WAIT! GET STARTED NOW!

Pre-approval does not affect your credit score

We are proud to offer PACE roof financing in eligible Florida cities and counties, a real option no matter your credit, and we take it seriously! We’d love to speak with you.

Call us now to speak with our compassionate team to get started, or fill out the form, and we’ll get back to you in minutes, not days!

Let us help you get the peace of mind you deserve