Finance Your Roof with the
PACE Program
Upgrading your roof is a smart investment, and the PACE Program makes it easier to afford. PACE (Property Assessed Clean Energy) is a government-supported financing option that allows homeowners to fund energy-efficient home improvements, like roofing, through their property taxes. With no upfront costs, flexible terms, and eligibility based on home equity rather than credit score, PACE provides an accessible path to improving your home’s comfort, value, and efficiency.
At Cal-Vintage Roofing, we’re proud to partner with PACE providers to help you take advantage of this convenient financing option. Whether you’re planning a new roof installation, energy-efficient upgrades, or solar-ready improvements, our team can guide you through the PACE approval process and ensure a smooth experience from start to finish.
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What Is the PACE Program and How Does It Work?
The PACE (Property Assessed Clean Energy) Program is a government-backed financing option that helps homeowners pay for energy-efficient upgrades—like new roofing—through their property taxes. Instead of paying out of pocket or using traditional loans, PACE allows you to spread the cost of your project over time with fixed, affordable payments tied to your home.
Using PACE is simple. First, check your eligibility, which is based on your property value—not your credit score. Once approved, you choose the upgrades you want to complete, and the work begins. After installation, your repayment is added to your annual property tax bill. It’s a smart, accessible way to invest in a long-lasting, energy-efficient roof without financial strain.
The Smart Way to Finance Your New Roof
Flexible, Affordable Financing Backed by Your Home’s Equity
Using the PACE Program for your roofing installation allows you to make essential home improvements without the burden of upfront costs. Payments are made through your property taxes over time, making it a budget-friendly option for many homeowners. With fixed rates, long repayment terms, and no credit score requirement, PACE makes it easier to invest in a high-quality, energy-efficient roof that adds value, protection, and comfort to your home.
Check out what our customers are saying about us!
With dozens of 5-star reviews on Google, Cal-Vintage Roofing is proud to be one of the most trusted roofing companies in the Sacramento, Placer, and El Dorado area. Our customers consistently praise our professionalism, quality workmanship, and exceptional service from start to finish.
Frequently asked questions
Have questions about your roofing project? We’ve got answers. Whether you’re wondering about timelines, materials, warranties, or what to expect during installation, our FAQ section covers the most common questions homeowners ask. Explore below to get the clarity and confidence you need before starting your project with Cal-Vintage Roofing.
What is the PACE Program?
The PACE (Property Assessed Clean Energy) Program is a financing option that allows homeowners to fund energy-efficient and renewable home improvements—like roofing—through their property taxes. It’s a government-supported program offered through approved providers.
What types of projects can be financed with the PACE program?
PACE financing can be used for a wide range of improvements including roofing, HVAC, windows, solar panels, insulation, water-saving upgrades, and more. The project must improve energy or water efficiency.
How does PACE program financing work?
Instead of a traditional loan, PACE financing is repaid through a special assessment added to your annual property tax bill. Payments are spread out over 10 to 30 years depending on the terms.
Do I need good credit to qualify for the PACE program?
No. PACE approval is based on your home’s equity and your property tax payment history—not your credit score. This makes it an accessible option for many homeowners.
Can I use PACE program financing for a roof replacement?
Yes. Roofing is one of the most commonly financed home improvements under the PACE Program. Especially when installing energy-efficient materials like cool roofs, PACE is a great fit.
What are the benefits of using the PACE program for my project?
PACE offers no upfront costs, fixed interest rates, long repayment terms, and qualification based on home equity. It allows homeowners to invest in important upgrades without taking on traditional debt.
Can I pay off my PACE program financing early?
Yes, most PACE providers allow early repayment without penalties. You can pay off the remaining balance at any time, including during the sale or refinancing of your home.
What happens if I sell my home with PACE program financing?
PACE financing is tied to the property, not the individual. In many cases, the remaining balance can transfer to the new owner, but this depends on your buyer’s lender and agreement terms.