Ygrene Financing

Ygrene offers an alternative way to finance energy-efficient upgrades for residential and commercial properties in Florida.

As a leading Property Assessed Clean Energy (PACE) provider, Ygrene allows you to leverage the equity in your property to make it even better. Ygrene offers unique advantages including low, fixed rates, no upfront costs, and no prepayment penalties.

Ygrene financing is an assessment of your property and not a loan or discount program, it is repaid annually with your property taxes. Approvals are based primarily on home equity and don't require income verification or credit checks.

How does Ygrene Financing work?

1. Check Eligibility

Find out if your property qualifies in seconds.

2. Get Approved

Apply and get approved in minutes. Sign a few quick documents with clear disclosures, and you're ready to get started.

3. Complete Your Project

Work with your independent contractor to plan and complete your project.

4. Ygrene Pays the Contractor

When the project has been completed to your satisfaction, your contractor will be paid directly.

5. Pay Your Financing

Payments start 12 months after project is completed.

Why Thousands of People Choose Ygrene:

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Approval based on equity and your ability to pay.

Low fixed interest rates to ensure that costs never fluctuate.

A network of independent contractors vetted and authorized by Ygrene.

Lower payment options thanks to lower rates and longer financing terms.

Payment protection only issues the final payment to the contractor once you are satisfied.

Easy repayments made with your annual property taxes.

What is PACE Financing?

Property Assessed Clean Energy (PACE) is affordable financing that allows property owners to pay for upgrades that increase energy efficiency, harness renewable energy, conserve water, and protect against storms.

Is PACE a loan?

Despite some similarities, PACE isn’t a loan. PACE financing does provide you with upfront money which you have to repay over time (with a low-interest rate). But because the financing is attached to the property and repaid through your property taxes, it’s classified as a property assessment instead of a loan

What determines my eligibility for PACE?

PACE eligibility is based on a variety of factors, primarily the amount of equity you have in your home, your ability to repay the assessment, and your mortgage payment history.

Is PACE a government incentive or discount program?

No. PACE programs are made possible by state legislation and approved by local governments. However, PACE financing is not a government incentive or subsidy program. PACE does not provide any special discounts, government funding, or payment forgiveness to those who opt to use it.

Why is PACE a good financing option?

Approval not based on credit score

PACE

Traditional Loan & Mortgage

Credit Card & Unsecured Credit

HELOC

Low interest rates

(regardless of credit score)

Fixed rates

Spread cost over life of upgrade (up to 30 years)

Payment to contractor only once project is complete

Delayed first payment