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Low cost financing available for property improvements to homes and businesses

Residential Loan Program 

( Available Statewide )

Homeowners are eligible for low-cost financing to make assorted home improvements, with 100% upfront financing available at below-market rates. Homeowners with poor and limited credit history are eligible to apply.

Property-Assessed Clean Energy  

Property-Assessed Clean Energy (PACE) program, which provides financing for :

(1) energy efficiency (e.g. HVAC, LED lights, weatherization)
(2) renewable energy (e.g. solar water heaters and solar PV)
(3) wind resilience (e.g. roofs, doors, windows, hurricane shutters)

PACE financing is a land-secured assessment that property owners can voluntarily undertake to secure 100% upfront financing for assorted property improvements. PACE financing is available to Residential, Commercial, Industrial, Institutional, and non-profit landowners who have paid their taxes on time over the last 3 years and have equity in the subject property. PACE is collateralized by the equity in the property, rather than a credit check, and financing is available for 5, 10, 15, and 20 year terms. Property-owners repay the annual assessments as a part of their annual property tax bill.

The Solar and Energy Loan Fund (SELF)

The Solar and Energy Loan Fund (SELF) is a local non-profit organization that helps residents and businesses access low-cost financing for assorted property improvements, including: high-efficiency air conditioning units; weatherization; insulation; solar water heaters; solar panels; roofs; windows; doors; hurricane shutters; and, much more.

  • 100% financing for home improvement projects with no upfront costs
  • Simple Online Application
  • No strings. No traps. Easy and transparent.
  • Your Satisfaction Assured
  • Top-rated contractors don’t get paid until you’re satisfied.
  • Your Rights Protected
  • Available in St. Lucie County

SELF has 3 types of financing programs :

(1) Micro-loans
(2) Property-Assessed Clean Energy (PACE)
(3) Crowdfunding.

Contact SELF’s Residential Loan Officer, Roy Eastman Degannes, at #(772) 468-1818 for more details and consultations.
Download the brochure Here.

Renew Financial – Smart Financing for a Clean Energy Economy

  • See if your home qualifies for P.A.C.E funding here.
  • Loan amount is based upon the equity of your home and not your credit.
  • Currently not available in St. Lucie County.


  • Benji Financing – conventional financing with $0 down $0 payments for 6 or 12 months available. Unsecured loans up to $50,000 no Income verification up to $30,000.
  • Benji Second Look – Credit concerns? No Problem! Credit scores down to 575.
  • Hero Financing – (P.A.C.E.) – Loan amount based upon the equity of your home and not your credit. Currently not available in St. Lucie County. (MARTIN COUNTY PENDING)