Roof Financing in Miami:
2026 Guide to $0-Down Programs

If you choose our PACE (Ygrene) option, eligibility is based on your home equity, meaning there is no minimum credit score required and the initial check is a "soft pull." For traditional loans, a standard credit check applies, but we offer pre-qualification tools that won't impact your score while you compare rates.

Yes. Through our equity-based programs, many homeowners in Miami-Dade qualify for $0-down financing even with lower credit scores. As long as you have sufficient equity in your property and are current on your taxes, we can likely secure funding for your project.

Digital approvals for traditional loans typically take less than 5 minutes. For PACE/Ygrene funding, the verification process usually takes 24–48 hours, depending on your property records.

Yes, there are several $0-down financing programs available for Miami-Dade homeowners in 2026. The most popular option is PACE (Property Assessed Clean Energy) funding, such as Ygrene, which allows you to install a new High-Velocity Hurricane Zone (HVHZ) compliant roof with no upfront out-of-pocket costs. Because PACE is equity-based, eligibility is tied to your property rather than your credit score.