Septic System Replacement & Septic-to-Sewer Conversion 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

Septic problems? Upgrade or switch to city sewer with no money down.

Failing septic systems can lead to costly repairs, property damage, environmental contamination, and serious health risks. Whether you need to upgrade to an advanced septic system or connect your home to the city sewer, PACE financing may help make it possible.

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

SEPTIC SYSTEM UPGRADES THAT MAY QUALIFY FOR PACE FINANCING

Below are common septic system upgrades and septic-to-sewer conversions 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):

ADVANCED SEPTIC SYSTEM IMPROVEMENTS

Installation of an advanced septic system

SEWER CONNECTION (SEPTIC-TO-SEWER CONVERSION)

Connecting a property to a municipal sewer system
Decommissioning the existing septic system
Required infrastructure work to complete the connection

HOW PACE WORKS FOR SEPTIC SYSTEM UPGRADES OR SEPTIC-TO-SEWER CONVERSIONS

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: septic replacement + impact-rated windows) depending on qualification

Check Your Eligibility

SEPTIC SYSTEM UPGRADES OR SEPTIC-TO-SEWER CONVERSIONS FAQs

Can I finance a septic system replacement in Florida?

Yes, eligible advanced septic system improvements may qualify for PACE financing; approval is subject to local and program guidelines.

Can I use PACE financing to connect to the city sewer?

Yes, in many Florida counties, sewer connection projects may qualify. Homeowners must first explore available local government funding options.

What are the repayment terms for PACE financing when upgrading a septic system or converting from septic to sewer?

PACE offers long repayment terms, which can extend 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.

What is an advanced septic system?

An advanced septic system typically includes enhanced treatment components designed to reduce environmental impact and improve wastewater treatment performance.

How much does it cost to replace a septic system in Florida?

Replacing a conventional septic system with an advanced treatment unit (ATU) in Florida can cost several thousand dollars or more, depending on the system type, soil conditions, lot size, and local permitting requirements.

How much does it cost to connect to the city sewer in Florida?

Costs vary depending on distance to the sewer main, required excavation, decommissioning of the old septic system, and municipal connection fees. Sewer conversions can range widely based on property conditions.

What are the signs my septic system is failing?

Common signs include:

Slow drains throughout the house
Sewage odors in the yard
Standing water near the drain field
Gurgling plumbing sounds
Frequent backups

If you’re experiencing these issues, it may be time to upgrade your septic system to avoid costly repairs, such as:

Property damage
Foundation issues
Contaminated groundwater
Larger repair costs

Do septic and sewer projects require permits?

Yes. Most septic replacements and sewer connections require permits and must comply with state and local environmental and building codes.

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.