Upgrade your home with $0 down through PACE
PACE (Property Assessed Clean Energy) lets eligible Florida property owners finance qualifying improvements with no money down, repaid over time as a line item on the annual property tax bill — approval is based mainly on home equity, not a credit score.
- Licensed
- Insured
- Financing options
- $0 down
See if your project qualifies — and what it costs
Answer two quick questions and slide your budget. This is an instant illustrative estimate, not an approval.
Likely PACE-eligible — $0 down
Your project and county are a strong fit for PACE. Final terms depend on the program and approval.
Estimated PACE repayment
$0
/ mo on your tax bill
Illustrative estimate only — a 20-year term at an assumed rate. Actual terms depend on the project, program, county, and approval. APEX is not a lender or PACE administrator.
Find your contractor & financing
Answer a few quick questions. No commitment, no credit hit.
Step 1 of 4 — What's your project?
What's your project?
$0 down financing built around your project
There's no single way to pay for a home upgrade. We line up the $0-down options that fit your project and how you qualify — and your project manager shows you exactly what you can apply for.
Flexible financing built around your project — PACE is just one option.
We work across $0-down programs, rebates, tax credits, and other financing paths. We'll point you to whatever fits your project best.
$0-down home-improvement program
No payments for 12–18 months, then a low, predictable monthly.
PACE for eligible upgrades
One option for qualifying energy and hurricane work where it's available.
Rebates & tax credits
Utility, state, and federal incentives stacked on top where they apply.
Your Project Manager guides you
Shows exactly what you qualify for based on your project.
From quote to done — without paying upfront
$0 down. No payments for 12–18 months. Then a low, predictable monthly — depending on the program you qualify for.
$0
Start with $0 down
Your project begins with nothing out of pocket.
12–18 mo
No payments for 12–18 months
A real deferral window before anything is due.
Low
Then a low monthly
Affordable, predictable payments — depending on the program you qualify for.
APEX Project is not a lender, contractor, or PACE program administrator. PACE financing is provided by third-party PACE programs and is subject to eligibility and approval. Estimates shown are illustrative only.
Questions, answered
No. We're an independent matching service. We find you the best, vetted contractor for your project and help you finance it.
Our matching service is free for property owners. You pay your contractor for the work — financed with $0-down options.
PACE lets you finance qualifying upgrades with no money down. You repay over time as a line item on your annual property tax bill.
Because PACE is tied to the property, the remaining balance can transfer to the new owner when you sell.
Hurricane protection (impact windows, doors, roofs), HVAC, solar, water heating, and other energy and resilience upgrades.
We focus on Miami-Dade and serve property owners across Florida.
How APEX fits in
APEX Project is an independent contractor-matching service for Florida property owners. We are not a lender, not a contractor, and not a PACE administrator. PACE and any other financing are provided by third-party programs and approved providers, and are always subject to eligibility, underwriting, program terms, and applicable Florida law.
PACE is repaid as an assessment on your property tax bill — it is financing, not a grant or rebate, and it is not free. Program availability, terms, and qualifying improvements vary by county and can change. Nothing here is financial, tax, or legal advice. Review all terms with the financing provider, and consult your own advisor, before signing.
Ready to upgrade with $0 down?
Tell us about your project and we'll match you with the right contractor and financing.