Roof Replacement Financing with PACE

Replace or upgrade your roof with PACE financing and pay over time through your property taxes—no upfront payments required.

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

Protect your home. Improve efficiency. Upgrade your roof—without upfront payments.

Roofing upgrades are one of the most important investments homeowners make to protect their property, improve energy efficiency, and prevent costly damage.

Qualified homeowners can use PACE financing to fund eligible roof replacements or upgrades with no upfront payments, repaid over time through a special assessment added to their property tax bill.

ROOFING UPGRADES THAT MAY QUALIFY FOR PACE FINANCING

Below are common roofing 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):

ROOF REPLACEMENT, REPAIRS, AND PROTECTIVE IMPROVEMENTS

Roof repairs or replacement with qualifying materials
Underlayment upgrades for improved moisture protection
Flashing replacement to reduce leaks and water intrusion
Ventilation upgrades (ridge vents, attic vents) to support roof performance
Gutter and drainage improvements when required for roof protection

ENERGY-RELATED ROOFING UPGRADES

Cool roof materials/coatings designed to reflect sunlight and reduce heat absorption
Radiant barriers
Roof insulation and air sealing

HOW PACE WORKS FOR ROOFING 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: roofing + insulation + windows) depending on qualification

Check Your Eligibility

ROOFING FAQs

Can I finance a roof replacement with PACE?

Yes, you can finance a new roof with PACE, but eligibility depends on your location and program requirements. The easiest way to confirm is to start an eligibility check and review your project details.

Can I use PACE financing for a new roof or a roof repair if my roof is leaking?

Yes—as long as your roof replacement or repair meets program requirements.

What roofing materials are eligible for PACE financing?

Eligible materials include, but are not limited to, asphalt shingles, metal, wood shingles or shakes, slate tiles, and clay tiles, subject to program requirements. The easiest way to confirm is to start an eligibility check and review your project details.

Can PACE cover gutters, downspouts, or fascia work?

In some cases, related drainage or edge protection work may be allowed if it’s required for the roof project. The easiest way to confirm is to start an eligibility check and review your project details.

What is a cool roof, and does it really save money?

A cool roof uses reflective materials (or coatings) that can reduce heat absorption. It may improve comfort and reduce cooling costs in warmer climates. Savings vary by home and climate.

Can I finance roof insulation or attic ventilation with PACE?

Yes, many homeowners pair roofing with insulation, air sealing, or ventilation to improve comfort and efficiency.

How long does a roof replacement take?

Most roof replacements take a few days once scheduled, but timing depends on roof size, weather, permits, and contractor availability.

Can I finance a roof and other upgrades at the same time?

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 roofing?

PACE offers long repayment terms, which can extend up to 30 years under California law and up to 20 years under 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.