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Ygrene PACE Financing

Meet Ygrene

Introduction to Our Lending Partner

Ygrene is a licensed provider of PACE financing (Property Assessed Clean Energy) in Florida. It’s a unique program that allows homeowners to finance eligible home improvements—like HVAC systems, roofing, insulation, and storm-hardening upgrades—based on home equity, not credit score.

PACE financing is repaid through your property taxes, not through traditional monthly loan payments. It’s a powerful solution for homeowners who may not qualify for unsecured loans or prefer a different repayment model.

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What Ygrene Does for You

Home Equity-Based Financing.

Ygrene empowers homeowners to move forward on essential energy-efficient and storm-resilient upgrades without worrying about credit checks, income verification, or upfront payments.

No minimum credit score required
Based on home equity (not personal credit or income)
Repaid through annual property taxes
Terms up to 30 years
Covers HVAC, insulation, roofing, impact windows, solar, and more
$0 down
Transferable if the home is sold (in most cases)
Fixed, predictable assessment added to property tax bill

With Pace, you can bundle multiple home energy upgrades into one simple, low monthly payment and enjoy the benefits of ownership.

How Ygrene Works

A Different Kind of Financing

PACE financing is not a loan in the traditional sense. Instead, it’s a voluntary tax assessment tied to your property. This means repayment is made annually via your property tax bill, which can lower your monthly financial burden.

How to Apply:

Check if your property is in a PACE-approved area
Confirm you meet basic equity and tax status requirements
Get approved without a credit check
Sign project documents
Your Soligo Air upgrades are installed
Repay through your annual property taxes over time

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Why Use Ygrene

Financing That’s Built for Florida

Ygrene is an ideal option for homeowners who:

Have limited or poor credit but own their home with equity
Want longer terms (up to 30 years) for the lowest possible payments
Prefer to pay through property taxes rather than a separate loan
Are completing storm-resilient upgrades like roofing, insulation, or HVAC
Live in a PACE-approved municipality in Florida
Want financing that can transfer to the new owner if they sell their home

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See What’s Included

Home Improvement Financing

Is Ygrene Right for You?

Do I need good credit to qualify for Ygrene?

No. Ygrene does not use your credit score to determine eligibility. Approval is based on home equity and property tax status.

What kinds of projects can I finance with Ygrene?

HVAC systems, attic insulation, roofing, impact windows, solar, water heaters, pool pumps, surge protection, and more.

How is this different from a regular loan?

Ygrene is a property tax-based financing program—you repay through your annual tax bill, not with monthly loan payments.

Is this a lien on my home?

Yes, it’s a voluntary tax lien—but it does not affect your mortgage. In many cases, it can transfer to a new owner if the home is sold.

Can I pay off early?

Yes, you can pay off the balance anytime. Just request a payoff amount from Ygrene.

Will PACE financing affect my ability to refinance or sell my home?

PACE assessments may appear on your property’s tax record, which some mortgage lenders consider during refinancing. While many PACE assessments are transferable, it's important to consult your lender and let potential buyers know in advance when selling your home.

What happens if I fall behind on my property taxes?

Since PACE is paid through your property taxes, failure to pay could result in late fees or penalties like any other unpaid tax. Ygrene offers support and flexibility, but staying current on taxes is crucial for keeping your assessment in good standing.

How much equity do I need in my home to qualify?

Most homeowners need at least 10–20% equity in their property to qualify for PACE financing. The exact amount depends on your location, current mortgage, and tax payment history.

Do I need to provide income documents or W-2s to qualify?

No. Unlike traditional loans, PACE financing does not require income verification, pay stubs, or employment history. Approval is based primarily on your property value and payment history.

How long does the approval process take?

Most homeowners receive approval from Ygrene in under 30 minutes. In many cases, project funding and contractor scheduling can begin the same week.