Financing
Approved Financing Partner: PACE & SELF
Fresh Start Remodeling is an approved contractor for both PACE (Property Assessed Clean Energy) and SELF (Solar and Energy Loan Fund) financing programs, giving Port St. Lucie, Stuart, and Jupiter homeowners more ways to fund roofing, HVAC, hurricane-impact windows, and other qualifying home improvements without paying entirely out of pocket. Whether you're exploring PACE financing repaid through your property tax assessment or a SELF loan built around your ability to repay, our team can help you understand which option may fit your project. To learn more, select a program below.
PACE Home Improvement Financing
Finance Your Home Improvement Project With PACE
Not every home improvement project needs to be paid for out of pocket or through a traditional loan. PACE (Property Assessed Clean Energy) financing is one option some Florida homeowners use to fund qualifying energy efficiency, wind resistance, and renewable energy improvements — including certain roofing, HVAC, and hurricane-impact window and door projects that Fresh Start Remodeling regularly installs.
If you're planning a qualifying project and want to explore your financing options, our team can walk you through what PACE financing involves so you can decide whether it's the right fit for your home and your budget.
During our onsite visit, ask us whether your project may qualify for PACE financing.
What Is PACE Financing?
PACE financing is a financing structure authorized under Florida law that allows homeowners to fund qualifying home improvements and repay the cost over time through an assessment added to their property tax bill, rather than through a conventional personal loan. PACE programs in Florida are administered by approved third-party PACE providers, not by our company, and each provider sets its own program terms, rates, and eligibility requirements.
Because PACE assessments are tied to the property rather than the individual borrower, program structures, underwriting requirements, and repayment terms can differ from a traditional home improvement loan. As with any financing decision, the details matter, and they vary by provider.
Improvements That May Qualify for PACE Financing
- ✔ New roofing systems, including wind-resistant and energy-efficient roofing
- ✔ Hurricane-impact windows and doors
- ✔ HVAC system replacement and upgrades
- ✔ Insulation and energy-efficiency improvements
- ✔ Certain renewable energy systems
Fresh Start Remodeling installs many of the improvement types commonly eligible under PACE programs, including roofing and other qualifying upgrades, as part of our standard construction services.
How the Process Generally Works
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Discuss Your Project With Us
We'll review the scope of your planned improvement and let you know if it's a type of project commonly eligible for PACE financing.
- 02
Apply Through a PACE Provider
Homeowners apply directly with an approved PACE program provider, who determines eligibility, program terms, and approval independently of our company.
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Approval & Project Financing
If approved, the PACE provider finances the qualifying improvement.
- 04
We Complete the Work
Our team performs the installation or construction work as part of your approved project.
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Repayment via Property Tax Assessment
Repayment is typically structured as an assessment on the property tax bill, according to the terms set by the PACE provider.
Important Things to Know Before Considering PACE Financing
PACE financing is not the right fit for every homeowner or every project, and it's important to fully understand the terms before enrolling. A few things worth considering and discussing with a PACE provider or financial advisor:
- ✔ PACE assessments are attached to the property, which can affect financing, refinancing, or the sale of your home — ask your PACE provider how this is handled.
- ✔ Interest rates, fees, and repayment terms vary by PACE provider and should be reviewed carefully and compared against other financing options available to you.
- ✔ Because the assessment is collected with your property taxes, missed payments can carry the same consequences as unpaid property taxes.
- ✔ Eligibility and available programs can vary depending on your county and municipality.
Fresh Start Remodeling is a construction contractor, not a lender or financial advisor, and we don't administer PACE programs or make approval decisions. We're happy to help you understand which of our services commonly qualify, but we encourage every homeowner to review full program terms directly with the PACE provider and to consult a financial or legal advisor before enrolling, to make sure it's the right choice for your situation.
PACE-Eligible Project Services We Offer
Roofing: New Roofs, Repairs & Replacements
Wind-resistant and energy-efficient roofing systems that may qualify under PACE programs.
Full-Home Renovations
Larger projects that may include qualifying energy-efficiency or resilience upgrades alongside other renovation work.
Ask us which parts of your specific project may be PACE-eligible.
Serving Homeowners Throughout
Port St. Lucie, Fort Pierce, Hutchinson Island, Stuart, Jensen Beach, Palm City, Hobe Sound, Jupiter, Jupiter Farms, Jupiter Island, Tequesta, Abacoa, The Heights at Jupiter, Palm Beach Gardens, Juno Beach, Singer Island, and Palm Beach Shores.
Frequently Asked Questions
Does Fresh Start Remodeling provide PACE financing directly?
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No. PACE financing is offered through approved third-party PACE providers. We can help identify whether your project type is commonly eligible, but the application, approval, and terms are handled directly by the PACE provider.
What projects commonly qualify for PACE financing?
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Common qualifying improvements include roofing, HVAC systems, hurricane-impact windows and doors, insulation, and certain renewable energy systems, though eligibility depends on the specific PACE program and provider.
Is PACE financing available in my county?
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PACE program availability can vary by county and municipality. We can help point you toward providers that operate in your area.
Is PACE financing the same as a home equity loan or personal loan?
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No. PACE financing is repaid through a property tax assessment rather than a conventional loan structure. Terms, rates, and how it affects your property differ from traditional financing, so it's worth comparing options and reviewing the details with a financial advisor.
How do I get started?
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Start by talking with our team about your project during a free estimate. If it's a project type that may qualify, we can point you toward PACE providers so you can review program details and apply directly.
This information is provided for general informational purposes only and does not constitute financial or legal advice. PACE program terms, eligibility, and availability vary by provider and location. Homeowners should review full program terms directly with a PACE provider and consult a financial or legal advisor before enrolling.
Ready to start your project?
Fresh Start Remodeling is an approved PACE and SELF contractor ready to help you finance and complete your home improvement.
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