How to Finance a Roof Replacement in Florida

Written By Ann Maria Ferrao

A new roof is a safety upgrade—and a budget event. Here are your most common roof financing paths (including no-money-down options many South Florida homeowners use).

1) PACE financing (Renew Financial)

What it is: 100% financing for eligible energy-efficiency or resiliency upgrades (like roofing), repaid on your property tax bill over time. Often no money down, approval based on home equity rather than FICO alone.

Janus Roofing partners with Renew Financial to provide roof financing for clients who need assistance with roof payment plans and financing options.


Why homeowners like it: Predictable payments, potential to start projects quickly; can pair with hurricane-hardening materials.
Considerations: Availability varies by community; tax-bill repayment structure; read terms carefully.

2) Home equity (HELOC / home equity loan)

Competitive rates secured by your home; good for larger projects. (Ask your lender about closing costs and variable vs. fixed rates.)

3) Personal loans / credit unions

Fast approvals, unsecured; rates depend on credit.

4) Credit cards (short-term bridge)

Can work for deposits or partial scopes; watch interest rates.

How Janus Roofing helps

  • We’re set up to help qualified customers apply for PACE through Renew Financial and can price good-better-best material options to match your payment plan.

  • Want the numbers? We’ll estimate monthly ranges right on your Residential Roof Replacement proposal and include warranties in writing (labor + manufacturer) per BBB best practices.



Ann Maria Ferrao
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