Heating & Cooling (HVAC) Financing with PACE

By submitting the above form, you consent and agree to the following:

You have reviewed Renew Financial’s Privacy Policy and Terms of Use;
You expressly consent to have a representative from Renew Financial Group LLC. (Renew) contact you about this inquiry by email, text message, and/or by telephone (including by automated telephone dialing system or an artificial or prerecorded voice) at the home or cell phone number you have provided, even if that phone number is on a corporate, state, or national Do Not Call registry. You do not have to agree to receive such emails, text messages, or calls as a condition of obtaining our service, and you may revoke this consent at any time. By contacting Renew by phone, you consent to the recording and monitoring of calls;
You allow Renew to share the information collected about you in the form with up to three (3) of its participating Contractors. You understand that your data will be subject to the Privacy Policy of each contractor you are referred to;
You understand this eligibility form only determines if your property address and project type are eligible for Renew Financial’s PACE financing, and it is not a commitment to lend. A complete application must be submitted to receive a financing decision. You understand financing is subject to underwriting review and approval, and certain restrictions may apply;
You are the record owner of the property listed in the form, and any information you furnish to Renew is accurate and complete;
You consent to do business electronically.

Definitions

“You” and “yours” means the person(s) submitting this form. “Renew” means Renew Financial Group LLC and any person, company, bank, or financial institution that is an assignee of the rights of Renew Financial Group LLC.

By submitting the above form, you consent and agree to the following:

You have reviewed Renew Financial’s Privacy Policy and Terms of Use;
You expressly consent to have a representative from Renew Financial Group LLC. (Renew) contact you about this inquiry by email, text message, and/or by telephone (including by automated telephone dialing system or an artificial or prerecorded voice) at the home or cell phone number you have provided, even if that phone number is on a corporate, state, or national Do Not Call registry. You do not have to agree to receive such emails, text messages, or calls as a condition of obtaining our service, and you may revoke this consent at any time. By contacting Renew by phone, you consent to the recording and monitoring of calls;
You allow Renew to share the information collected about you in the form with up to three (3) of its participating Contractors. You understand that your data will be subject to the Privacy Policy of each contractor you are referred to;
You understand this eligibility form only determines if your property address and project type are eligible for Renew Financial’s PACE financing, and it is not a commitment to lend. A complete application must be submitted to receive a financing decision. You understand financing is subject to underwriting review and approval, and certain restrictions may apply;
You are the record owner of the property listed in the form, and any information you furnish to Renew is accurate and complete;
You consent to do business electronically.

Definitions

Make your home more comfortable and efficient year-round.

A modern HVAC system can help your home stay cooler in hot months and warmer in cold months, with more consistent temperatures from room to room. Upgrading can also reduce energy waste from outdated equipment, improve airflow and ventilation, and may lower monthly utility costs over time.

With PACE financing, qualified homeowners in eligible areas can fund eligible improvements with $0 down and repay them over time through a special assessment added to their property tax bill.

HVAC UPGRADES THAT MAY QUALIFY FOR PACE FINANCING

Below are common HVAC upgrades that may be eligible under the residential PACE program (specific products, financing terms, and installation requirements can vary by location and are subject to change):

HEATING & COOLING SYSTEMS

Central air conditioners
Ductless mini-split heat pumps/air conditioners
Air-source heat pumps
Boilers
Furnaces

DUCTWORK & AIRFLOW

Duct replacement
Duct sealing
Duct insulation

VENTILATION & CONTROLS

Programmable thermostats
Ventilating fans
Whole-house fans
ERV/HRV systems (balanced ventilation)

HOW PACE WORKS FOR HVAC IMPROVEMENTS

PACE (Property Assessed Clean Energy) financing helps qualified homeowners pay for eligible upgrades over time.

With PACE, you:

Don’t need a credit score to qualify (approval subject to underwriting requirements)
Start your project with no upfront payments
Can finance as little as $2,500 and up to $250,000 (subject to approval)
Repay through a property tax assessment over time
Work with a Renew Financial registered contractor
Can bundle improvements (for example: HVAC + insulation + windows) depending on qualification

Check Your Eligibility

WINDOWS & DOORS FAQs

What HVAC upgrades qualify for PACE financing?

Common eligible upgrades include heat pumps, central AC, furnaces, ductless mini-splits, duct sealing/replacement/insulation, thermostats, and ventilation systems—depending on your state’s or local program guidelines.

Can I finance ductwork with PACE?

Often, yes—depending on the type of upgrades and the amount of financing available to you. Many homeowners bundle projects like roofing, windows, and HVAC under a single financing plan.

Can I combine HVAC with other upgrades?

Often, yes—depending on the type of upgrades and the amount of financing available to you. Many homeowners bundle projects like roofing, windows, and HVAC under a single financing plan.

How long are PACE repayment terms for HVAC upgrades?

PACE offers long repayment terms that can extend up to 20 years under California and Florida law. However, the specific repayment period is determined by factors like the project’s scope, the materials used, and the property’s location.

Is PACE financing based on my credit score?

Qualifying for PACE financing does not require a traditional minimum credit score, but eligibility is based on multiple factors and program rules, including, but not limited to, eligible collateral, available equity, and ability to repay. Start an eligibility check to see if you qualify.

How do I get started?

Start by checking eligibility, then request a contractor estimate for qualifying upgrades. Once your project scope is confirmed, you can proceed through the approval and installation steps.