Find out if your property qualifies for Florida’s PACE financing

Electrical Panel Upgrades with PACE Financing

What Is Florida’s PACE Program?

PACE is a state-authorized financing mechanism for energy-efficiency, renewable, and wind-mitigation upgrades. When approved, a non-ad valorem assessment is added to your property tax bill for a set term with fixed payments. Program rules are set by Florida statute and local ordinances; administrators handle approvals and billing coordination with county tax collectors.

Why homeowners choose PACE:

  • No upfront payment for approved projects

  • Fixed terms; approval emphasizes property equity and payment history
  • Can be faster to approve than many traditional loans
  • (Program scope, timelines, and consumer protections updated effective July 1, 2024 under SB 770.)

Eligibility, Protections & 2024 SB 770 Update

Florida’s 2024 legislation clarified consumer protections and requires a local ordinance before residential PACE can operate in your county (effective July 1, 2024).

Typical homeowner eligibility:

  • Property is in a participating county/municipality (see checker below)
  • Current on property taxes and mortgage; no recent significant delinquencies
  • Sufficient property equity and ability to repay, as evaluated by the administrator
  • Improvement meets qualifying categories (energy efficiency, renewables, wind mitigation)

Fees & billing transparency: County tax collector and property appraiser may charge up to a combined 4% of the annual assessment (2% each maximum) to cover actual costs for billing/collection. This appears on the tax bill with your annual PACE installment.

Consumer protections you’ll see on your agreement (high-level):

  • Clear disclosures of total financed amount, term, APR/interest, fees
  • Confirmation calls and right-to-cancel windows under program rules
  • Contractor registration and completion verification processes

Eligibility, Protections & 2024 SB 770 Update

Guardian Home is licensed for the upgrades Florida homeowners most often finance via PACE:

Roofing

Upgrading to a more durable and energy-efficient roofing system is one of the core improvements covered by the PACE Program. Whether you’re looking to repair damage or install a new roof entirely, our team at Guardian Home ensures your roofing project not only meets but exceeds Florida’s building standards.

Solar Installations

Embrace the power of solar energy! Installing solar panels is a smart investment under the PACE Program, reducing your energy bills and increasing your home’s sustainability. We provide top-notch solar solutions tailored to the unique needs of your home.

Electrical Panel Upgrades

Modernizing your home’s electrical system is essential for safety and efficiency. With PACE financing, you can upgrade your electrical panels to handle increased loads, which is particularly beneficial if you add other energy-efficient systems like solar panels.

How the PACE Financing Process Works

Working with Guardian Home is simple and transparent. Here’s how it works:

  1. Consultation & Property Assessment – We review your home and determine eligibility under the PACE Program.
  2. Custom Project Design – Our licensed specialists design the right solution (roof, solar, or electrical).
  3. Approval & Financing Setup – We coordinate your PACE application and approval, often within 48–72 hours.
  4. Professional Installation – Guardian Home completes your project to Florida code standards.
  5. Repayment via Property Taxes – You repay over time through your property tax bill, not a loan.

Why Choose Guardian Home for PACE Financing Projects

When it comes to protecting and powering your Florida home, experience matters. Guardian Home brings over 45 years of licensed roofing, solar, and electrical expertise to every project.

What Sets Us Apart:

  • Licensed in Roofing, Electrical, and Building Contracting
  • 45+ Years of Proven Florida Craftsmanship
  • PACE-Approved Contractor with Full Compliance
  • Serving Dunedin, Pasco, Citrus, Marion, and Surrounding Areas
  • Seamless Turnkey Process: Design → Install → Approve → Maintain

We don’t just help you qualify for PACE — we make sure your home improvements deliver lasting value, performance, and peace of mind.

Simplifying PACE: Your Pathway to Effortless Home Upgrades

Unlock the simplicity of applying for PACE financing with Guardian Home at your side. Our team of experts is dedicated to guiding you through each stage of the PACE application process, ensuring a clear and straightforward experience. With PACE financing, embarking on home improvement projects becomes more attainable, freeing you from the constraints of upfront costs. How does the Florida PACE Program work? It offers you the chance to improve your home’s efficiency and protection without immediate financial strain.

FAQ: Expert Answers to Your Questions About the PACE Program

What are the Advantages of the PACE Program?

The PACE Program stands out for its advantages, chief among them being the potential increase in your home’s value and enhanced safety features. By opting for PACE-financed improvements, you’re investing in your property’s present worth and securing its future appeal in the real estate market. Moreover, these upgrades can lead to potential savings on insurance premiums, thanks to your home’s increased resilience and efficiency.

PACE also plays a pivotal role in reducing your carbon footprint and aligning your home improvements with eco-friendly standards. With Guardian Home and PACE, you choose a path that enhances your home’s value and safety while contributing to a more sustainable future.

What are the Disadvantages of the PACE Program?

While the PACE Program offers significant benefits, it’s important to be mindful of the long-term financial commitments it entails. At Guardian Home, we emphasize transparency, ensuring you fully understand every aspect of the PACE financing. Our approach is to provide you with all the necessary information, allowing you to weigh the advantages against any long-term financial responsibilities. This way, you can make an informed and confident decision about utilizing PACE for your home improvement projects.

Can Guardian Home guide me through the qualifications for the PACE Program?

Absolutely! At Guardian Home, we specialize in simplifying the PACE Program’s qualification process for you. We provide expert guidance to ensure you meet all the necessary criteria for this advantageous financing option. Our team is dedicated to helping you understand each qualification step, ensuring a smooth and hassle-free journey towards securing voluntary financing for your home improvements. With us by your side, you’ll be well-prepared to take full advantage of the PACE Program’s benefits.

Am I eligible for PACE?

Applying for PACE is very simple, but it does have some eligibility requirements to secure voluntary financing:

  • No money down required
  • No credit checks required
  • All property taxes are paid and have not been delinquent for three years
  • No involuntary liens
  • No notices of default in the preceding three years
  • Current on all mortgage debt on the property

Success Stories: Guardian Home’s Impact in Central Florida

These stories from various cities in Central Florida showcase Guardian Home’s excellence in providing energy-efficient and cost-effective home upgrades. From new roofs to solar installations, we’ve significantly improved our customers’ homes and lives, underlining our commitment to quality and customer satisfaction.

The Guardian Home Promise

As your trusted partner, Guardian Home is committed to helping you improve your home’s energy efficiency and protection against hurricanes. Our expertise and the PACE Program pave the way for sustainable and safe living spaces in Florida. Whether you’re in Marion County, Pasco County, Citrus County, or Dunedin Guardian Home Services provides tailored solutions through PACE programs in Florida.

Ready to Upgrade Your Central Florida Home?

PACE financing is one of the most flexible and affordable ways to upgrade your home without upfront costs. Whether you’re improving your roof, adding solar, or upgrading your electrical systems, Guardian Home makes the process simple, transparent, and stress-free.

Ready to see if your home qualifies?

📞 (727) 761-6778 or Book your FREE consultation today