Florida PACE Roof Financing
Eligible Florida property owners may be able to finance up to 100% of qualifying roof improvements through a voluntary PACE assessment repaid through the property-tax bill. Program availability, approval, terms and affordability requirements apply.
PACE is not a grant or traditional home-equity loan. A voluntary assessment is attached to the property and may affect a future sale or refinance. Review all rates, fees, terms and program disclosures before signing.
Understanding PACE Financing
PACE uses a property-based qualification process rather than relying solely on a traditional FICO score. Property eligibility, payment history, available equity and verified affordability requirements apply.
Step 01
Residential PACE must be authorized where the property is located. We first confirm that your jurisdiction and roof improvement are eligible.
Step 02
Qualification considers property value, available equity, tax and mortgage history, existing liens and verified household affordability—not just a credit score.
Step 03
Before signing, review the project cost, financed amount, fees, interest rate, APR, annual assessment, repayment term and estimated first payment date.
Step 04
Luxe completes the permitted roof installation. Final funding is released after applicable completion and permit requirements have been confirmed.
Step 05
The repayment appears as an annual non-ad valorem assessment on the property-tax bill. If taxes are escrowed, the assessment may affect your monthly mortgage payment.
Hurricane Resilience
Luxe Builder Group installs permitted roofing systems using Florida-approved products and site-specific wind-design requirements. Eligible homeowners may also be able to finance qualifying roof improvements through an authorized PACE program, subject to availability, approval, fees and repayment terms.
Product selection and installation requirements depend on the property location, roof design, permit requirements and applicable Florida Building Code provisions.
Property-Based Financing
PACE may help eligible Florida property owners finance qualifying roof improvements through a voluntary non-ad valorem property assessment. Payments are generally collected with the property-tax bill, while approval, availability, rates, fees, repayment terms and affordability requirements vary by program.
Important Before You Proceed
The assessment creates a lien on the property. A mortgage lender may require the remaining balance to be paid when the property is sold or refinanced. Insurance and utility savings are not guaranteed.
Potentially Eligible Roofing Improvements
Explore roofing and energy-related improvements that may qualify for Florida PACE financing. Property, jurisdiction, project and program requirements apply.
Complete removal and installation of a permitted roofing system designed for the property's applicable wind-load requirements.
Explore Roof ReplacementQualifying permanent repairs addressing leaks, damaged roofing materials, flashing or other compromised components.
Explore Roof RepairInsulation improvements designed to reduce heat transfer and improve the building envelope's energy performance.
Explore Roof InsulationReflective roofing assemblies and materials designed to reduce solar heat absorption and roof-surface temperatures.
Explore Cool RoofsProfessionally installed skylights that can improve natural light, ventilation and energy performance.
Explore SkylightsGutters and downspouts designed to manage roof runoff and direct water away from vulnerable building areas.
Explore Gutter SystemsQualifying reflective or protective coating systems that improve weather resistance and roof performance.
Explore Roof CoatingsVentilation improvements designed to regulate attic heat, reduce trapped moisture and support roof performance.
Explore VentilationQualifying improvements intended to reduce energy demand and improve the overall performance of the property.
Explore Energy UpgradesPermanent qualifying roof repair or replacement work following wind, rain or storm-related damage.
Explore Storm RoofingRoof Condition & PACE Eligibility
Learn what common roofing warning signs may mean and how qualifying roof repairs or replacements may be considered for Florida PACE financing.
Age alone does not determine whether a roof needs replacement. Its condition depends on the roofing material, installation quality, ventilation, maintenance and weather exposure. A professional inspection can identify deterioration that may not be visible from the ground and help determine whether repair or replacement is appropriate.
Missing, lifted or curling shingles can leave parts of the roofing system more vulnerable to water intrusion. Schedule an inspection promptly to determine whether the damage is isolated or part of broader roof deterioration. Qualifying permanent repairs or replacement may be eligible for PACE financing, subject to approval.
A ceiling stain can indicate an active leak, an older leak, plumbing trouble or condensation. It is not necessarily too late to repair the roof, but the source should be inspected quickly to limit additional damage. Depending on the findings, a qualifying permanent roof repair or replacement may be considered for financing.
Visible light may come through an intentional ventilation opening or through an unintended gap in the roof deck or roofing assembly. Do not assume every visible opening is a leak, but have it examined by a roofing professional to determine whether repair is required.
A visibly sagging roofline can indicate damaged decking, prolonged moisture exposure, overloaded framing or another structural concern. Avoid walking on the affected area and arrange an inspection promptly. Structural work is not automatically eligible for PACE financing and must be reviewed as part of the proposed qualifying improvement.
Asphalt shingles naturally release some granules, especially when they are new. Persistent or excessive granule loss, bald areas and exposed asphalt can indicate advanced weathering. An inspection can determine whether maintenance, repair or replacement is appropriate.
Rot around the eaves may be associated with damaged fascia, gutter overflow, failed flashing, roof-edge leaks or poor ventilation. The damaged material and the underlying source of moisture should both be addressed so the problem does not continue spreading.
Certain reflective roofing materials, insulation and ventilation improvements may reduce heat transfer and cooling demand. Actual savings depend on the complete roofing assembly, insulation levels, HVAC efficiency, household usage and property conditions, so a specific reduction cannot be guaranteed.
No. Roof condition may establish the need for repair or replacement, but it does not guarantee financing. Eligibility depends on whether PACE is authorized in the property’s jurisdiction, whether the proposed work is a qualifying improvement and whether the applicant and property satisfy current program requirements.
PACE Financing Support
Luxe Builder Group provides roof inspections, project planning, permitting coordination and installation services for Palm Beach County homeowners exploring qualifying PACE-financed roofing improvements.
Schedule a Complimentary InspectionPalm Beach County Service Area
PACE availability and approval depend on the property location, proposed improvement, program requirements and financing terms. A roof inspection does not guarantee financing approval.
