Four trusted lenders. $0 down options. Terms up to 30 years. Start your project this month, not three years from now.
Same-day decisions on GreenSky. 2–4 weeks for PACE programs.
0% intro APR options. Long-term fixed rates as low as 25-year amortization.
$0 out-of-pocket. No prepayment penalty. Up to 30 years to pay back.
Two simple paths — pick the one that matches your renovation, and we'll point you to the right lender.
Impact windows, hurricane-rated roof, high-efficiency HVAC, solar, or impact doors. $0 down, equity-based, 25-year terms.
Kitchens, bathrooms, flooring, full-home cosmetic remodels. Same-day soft credit decision, 0% intro APR options.
All three are property-tax assessment programs. $0 down, equity-based approval, transferable to next owner. Pick by term length and Florida specialization.
Property Assessed Clean Energy. 100% financing repaid via your tax bill.
Florida-focused PACE administrator. Specializes in hurricane & coastal upgrades.
National PACE with deep Florida presence. Longest term options on the market.
Tell us about the project. We'll match you to the best PACE administrator for your home.
Talk to FinancingPersonal loan style — instant decision, no equity required, any project scope.
Unsecured home-improvement loan. Soft credit pull, instant decision, any project type.
Many clients combine PACE (windows/roof) with GreenSky (kitchen/bath). We help you structure both.
Combine BothWe'd been putting off the kitchen and the impact windows for three years because we didn't want to drain savings. MSA structured it perfectly — PACE for the windows, GreenSky for the kitchen. We started the project a month after the first call. Elena CortezWhole Home + Impact Windows · Boca Raton, FL
Compare key terms, qualification, and use cases in one view.
| Lender | PACE | Home Run | Renew Financial | GreenSky |
|---|---|---|---|---|
| Loan Type | Tax assessment | Tax assessment | Tax assessment | Unsecured loan |
| Down Payment | $0 | $0 | $0 | $0 |
| Max Term | 25 yr | 25 yr | 30 yr | 12 yr |
| FICO Required | None | None | None | 640+ |
| Approval Basis | Equity | Equity | Equity | Credit |
| Funding Speed | 2–4 wks | 2–4 wks | 2–4 wks | Same week |
| Eligible Use | Energy only | Energy only | Energy only | Any project |
| Repayment | Tax bill | Tax bill | Tax bill | Monthly bill |
| Transfers w/ Home | Yes | Yes | Yes | No |
You apply directly with the lender. We don't earn commissions on financing — our role is to make the application package painless.
Free in-home meeting. We scope the project and price it.
Based on scope, we recommend the right lender (or both).
Apply with the lender. PACE = equity-based. GreenSky = soft credit.
Funds released as work completes — protecting you.
Project starts. PACE = tax bill. GreenSky = monthly payment.
PACE programs (including Home Run and Renew Financial) are property-tax assessments — repaid via your tax bill, approved on home equity, and tied to the property. They're for energy/resilience scope only. GreenSky is a traditional personal loan — repaid monthly, approved on personal credit, usable for any scope. Most clients with mixed renovations use both.
PACE creates a senior lien in some cases. Florida mortgage lenders are familiar with PACE assessments, but if you're refinancing or selling within 12 months, talk to your mortgage holder before applying. Most homeowners with no near-term refinance plans don't have issues.
Yes — this is one of the most common patterns. PACE for the structural/energy work (impact windows, new roof, HVAC) and GreenSky for the cosmetic work (kitchen, bath, flooring). We help you structure the project so each scope goes through the right lender.
No. You apply directly with the lender. We're a renovation contractor, not a finance broker, and we have no markup on financed projects.
GreenSky can decision in minutes and fund within a week. PACE programs typically take 2–4 weeks from application to funding — equity-based underwriting requires document verification.
PACE programs (PACE/Home Run/Renew) have no minimum FICO — approval is equity-based. GreenSky generally wants 640+ but applies a soft credit check first, so checking your options doesn't affect your score.
Disclosure: MSA Premier is a Florida-licensed home-renovation contractor and is not a lender, broker, or financial advisor. All financing programs are offered and administered by their respective third parties (Home Run Financing, Renew Financial, GreenSky, and your local PACE administrator). Rates, terms, and approval are subject solely to the lender's underwriting criteria. Property-assessed (PACE) financing creates a tax-lien obligation that runs with the property. We recommend consulting your mortgage holder and a tax professional before committing.
Free 30-minute call. We'll go over the project scope, what's eligible for PACE versus traditional, and connect you with the right lender. No application yet, just a conversation.
