How to Apply for PACE Home Improvement Financing

Everything you need to know about applying. (It’s really simple.)

Easy to apply, fast to fund.

A streamlined approach to PACE financing helps you move through the application and funding process with confidence. Renew Financial is here to answer questions and address your concerns.

Getting Started is Easy


Easily apply online at or by phone at 844-736-3934. Have your mortgage statement and pay stub handy to look up key info.


Complete and sign your financing documents electronically. We’ll confirm some of the info in your application, then give your contractor the go-ahead to start work.


Once you sign off that the project is completed to your satisfaction, we pay your contractor directly.

Common Questions About Applying for PACE

Simply visit the Check Availability section of our website. You can also see if your home is eligible by entering your address on our Home Page in the “Check Address” field. You’ll have the option to apply on the spot.

Our Customer Care Center is happy to answer any questions or concerns you may have. Call 1-844-736-3934.

Once a Customer Care Representative receives and reviews the information on your application, you will be notified with a decision. If additional information is required, a representative will give you a call back. This typically happens within 30 minutes if you apply during business hours.

There is NO application fee, and submitting an application does not commit you to go through with the financing.

We do request a credit bureau report as part of the application process. However your FICO score is NOT a factor in determining eligibility. We look at other information contained in the credit report.

PACE financing may be more difficult to obtain if:
Mortgage payments are not up-to-date
Recent history of bankruptcy
Property taxes aren’t current, or a history of late payments (last 3 years) are indicated
There are involuntary liens or judgments on the property
A default or foreclosure was filed against the property in the past 3 years

PACE regulations in California (signed into law in October 2017) require Renew Financial and all PACE providers to verify that customers have sufficient income to be able to repay their PACE assessment.

Yes. However, the contractor you choose must be registered with Renew Financial for you to use PACE financing. If you have not yet selected a contractor, you can choose one from our list of registered contractors on the Find a Contractor web page.

Your contractor should be able to tell you if they are registered with Renew Financial. You can also check by searching for your contractor on the Find a Contractor web page.

Renew Financial will pay your contractor directly, but not until you provide final approval for the work completed.