Home Improvement Financing · South Florida
Don't Wait to Fix
Your Home.
Home renovation financing and home improvement loans through our trusted partners — so you can start your project today and pay on your terms.
Our Financing Partners
Why Finance?
6 Reasons to Finance Your Home Improvement
Financing a home renovation isn't about spending money you don't have — it's about making smart decisions with the money you do have.
Start Your Project Now
Don't wait years to save up. Financing lets you fix your roof before hurricane season, upgrade your AC before summer, or remodel your kitchen this year — not next decade.
Protect Your Home Sooner
A damaged roof or failing AC can cause cascading problems. Financing lets you address issues immediately instead of watching a small problem become an expensive one.
Keep Cash in Your Pocket
Use your savings for emergencies. Financing lets you spread the cost of a major project over months or years while your cash stays liquid for unexpected needs.
Increase Home Value
Roofing, impact windows, and kitchen remodels consistently return significant value at resale. Financing now can more than pay for itself when you sell.
Lower Your Monthly Bills
Solar panels, energy-efficient AC systems, and proper insulation can reduce your utility bills significantly — often enough to offset part of your monthly payment.
Flexible Terms, Fast Approval
Our financing partners offer terms from 6 months to 15 years with fast credit decisions. Many homeowners get approved the same day they apply.
Eligible Projects
What Can You Finance?
Almost any home improvement project qualifies. Here are the most common ones our customers finance:
Not sure if your project qualifies? Call us and we'll check in minutes.
Financing Calculator
What Will Your Project Really Cost Per Month?
Your net monthly cost is almost always lower than the loan payment alone — once insurance discounts and energy savings are factored in. See the real number.
Select Your Project
Avg. 35% off wind premium (25–45% range). Low-E glass cuts ~20% of cooling costs.
Financing Details
Grant, rebate, or cash down — deducted from the financed amount
Your Current Bills
Enter your actual bills to calculate your personalized savings.
Check your policy declarations page. South Florida avg: $3,000–$8,000/yr
Check your last FPL statement. South Florida avg: $180–$320/mo
Insurance Discount
$140/mo
35% off annual wind premium
Energy Savings
$50/mo
20% reduction in electricity
Your Estimate
Monthly Loan Payment
10 yrs · 7.99% APR · $15,000 financed
Monthly Savings
Insurance discount
35% off wind premium
Energy savings
20% of electric bill
Net Monthly Cost After Savings
Net positive
Savings exceed the loan payment by $8/mo
Estimates are illustrative. Actual savings vary by insurer, project scope, and home. Consult your insurer and a tax professional for verified figures.
Our Partners
Four Ways to Finance Your Project
Each lender works differently. We help you find the one that fits your situation — no pressure, no obligation.
Fast Approvals · Competitive Rates
- Decision in minutes
- No prepayment penalties
- Promotional periods available
- Used for roofing, windows, kitchens, AC, and more
Property-Assessed · No Credit Score Required
- Repaid through your property tax bill
- No traditional credit check required
- Energy-efficient improvements qualify
- Transfers with the home if you sell
Terms Up to 15 Years
- Fixed monthly payments
- Long repayment terms available
- Approved for most home improvement projects
- Fast application process
Buy Now, Pay Later · Simple Plans
- Pay in installments on your schedule
- Transparent, no-surprise payment plans
- No hard credit check to get started
- Ideal for smaller improvement projects
State Grant Program
My Safe Florida Home Grant — Up to $10,000 Free
The State of Florida operates a grant program that helps eligible homeowners fund storm-hardening improvements — including impact windows, roofing, and exterior doors. Qualifying homeowners receive up to $10,000as a grant, not a loan. You don't pay it back.
The program requires a state-approved wind mitigation inspection, and the grant funds are paid directly toward the qualifying improvements. Most impact window and roofing projects qualify. Not every homeowner is eligible — income limits and property requirements apply.
The program goes through funding cycles and has periods where applications are paused. If you're planning a qualifying project, it's worth checking eligibility now — we can tell you whether your project is likely to qualify when we come out for the free estimate.
Ask About Grant Eligibility: (786) 983-7928Who Qualifies
Florida homeowners who occupy their primary residence. Income limits apply — the program targets low-to-moderate income households. Owner-occupied single-family homes and certain condos qualify.
What It Covers
Impact windows and doors, roofing improvements, and other storm-hardening measures. The improvement must be installed by a licensed, state-approved contractor and pass a post-inspection.
How the Grant Works
You apply through the My Safe Florida Home program. Once approved, the state issues payment directly toward your qualifying project. There is no repayment. The grant can be combined with financing for larger projects.
PACE Financing: The Zero-Credit Option
If the grant isn't available or you need additional funding, PACE financing requires no credit score. Repaid through your property tax bill over time. Energy-efficient improvements including impact windows and solar qualify.
The Process
How Financing Works
From first call to project complete — here's what financing with us looks like.
Call or Submit a Request
Tell us about your project. We'll match you with the right service and walk you through which financing options are available.
Choose a Financing Partner
We'll explain each option in plain language — rates, terms, monthly impact. No pressure. You decide what makes sense for your budget.
Apply in Minutes
Most applications take 5–10 minutes. Many of our partners give you a decision the same day. No lengthy paperwork.
Start Your Project
Once approved, we schedule your project. You don't pay a thing until the work begins — and you start enjoying the results immediately.
Get Started
Ready to Finance Your Home Improvement?
Call us today and we'll walk through your project, match you with the right financing partner, and get your estimate — all in one conversation.
Mon–Sat, 8am–7pm · Miami-Dade · Broward · Palm Beach · Free Estimates