One team for your remodelA scope you can understandOptions to review at your pace
Start with what fits
Your project. Your path forward.
Funding depends on the improvement, the property, and your circumstances. Our team helps you identify the next conversation.
01 / Eligible home improvements
Explore PACE financing.
For qualifying energy-efficiency, renewable-energy, and storm-resilience upgrades in participating Florida areas.
Roofing
HVAC
Impact windows & doors
Solar & insulation
Specific products and installation scopes must qualify. Availability and approval are determined by the financing provider.
How repayment works
PACE is repaid through a property-tax assessment and secured by a lien on your home. It increases your property-tax obligation and may affect a future sale or refinance. Review the full cost and terms before agreeing.
For a kitchen, bathroom, ADU, or a combination of improvements, explore a credit-based remodeling loan. Start with a written scope and project budget.
Kitchen cabinets
Bathrooms
ADUs & additions
PACE does not cover general remodeling. The financing option in this section is a credit-based remodeling loan, with regular loan payments separate from your property taxes.
620+ credit score · Subject to lender approval and terms.
Choose a financing type to explore an illustrative payment scenario. These calculators do not check eligibility or request credit.
Your illustrative scenario
A clearer picture of your budget.
Adjust the project cost, then select “Estimate my payments” to compare your options.
Monthly budget equivalent
estimated annual financing payment
Financed balance
Annual principal & interest
Annual assessment fees
Total estimated repayment
PACE is collected through your property-tax assessment. The monthly figure is for budgeting; it is not a separate monthly loan bill. Your mortgage escrow payment may change.
See your options side by side
A term that fits your plans.
Payment comparison
Monthly budget equivalent by term
Where the payments go
Financed balance
Interest during repayment
Recurring assessment fees
A longer term can lower the annual payment while increasing total interest.
Comparison scenarios use the same selected rate and estimated added costs for every term. Available terms and rates may differ by provider and project.
For informational purposes only. These simulated payments are estimates, not a financing offer or approval. Final eligibility, rates, fees, payment dates, and amounts must be confirmed by the financing provider in the official financing documents. The 18.49% allowance scales one example’s closing charges and prepaid interest with project cost; it does not model actual fixed fees, rate-dependent prepaid interest, or funding dates. Recurring assessment fees are estimated separately and held constant across the term. Assumes a fixed rate and equal annual principal-and-interest payments. First-payment dates are not calculated. Excludes existing property taxes, insurance, and charges beyond the stated allowances. Actual assessment amounts, dates, fees, and terms come from your provider. PACE creates a lien on your property.
Credit-based remodeling financing · Regular monthly payments, separate from property taxes.
Your traditional loan scenario
A monthly plan for your remodel.
Adjust the project cost, then calculate to see your estimated monthly loan payment.
Estimated monthly loan payment
Starting loan balance
Interest during repayment
Total estimated repayment
Loan balanceInterest
Payments go to your lender each month. This scenario does not add an assessment to your property-tax bill.
For informational purposes only. This simulation uses equal monthly payments at a fixed interest rate; actual daily interest, funding dates, fees, and the final payment can produce different results. The preset 16.99% rate and 12-year term come from one loan example, not a current offer. Final rates, APR, eligibility, fees, and repayment terms must be confirmed by the lender. No PACE cost allowance or assessment fee is added to this calculator.
A clear way forward
From possibility to a practical plan.
You stay with Elusive for your remodel. A financing provider handles any application and funding decision.
01
Tell us about your home.
Share the improvements you have in mind. We review the property and project scope together.
02
Review your options.
Confirm eligibility with the provider. Compare the rate, fees, repayment schedule, and total cost before choosing.
03
Make the plan official.
Once the scope, funding, and required approvals are in place, Elusive coordinates the next construction steps.
Confidence comes from clarity
Know the details. Then decide.
Take the time you need to understand an offer. Ask the provider for the complete written terms.
01
The full cost
Interest rate, APR where applicable, fees, and total repayment.
02
The payment schedule
When payments begin, how they are collected, and any effect on property taxes or mortgage escrow.
03
Your future plans
Early payoff terms and what happens if you sell or refinance your home.
Elusive is your remodeling team. We plan and coordinate your project. A separate financing provider evaluates your application and supplies the financing agreement.
Can every remodeling project use PACE?
No. PACE is designed for eligible improvements such as energy-efficiency and storm-resilience upgrades. A general kitchen, bathroom, or ADU project is not automatically eligible. The provider must confirm the property and specific work qualify.
Will checking this page affect my credit?
Browsing this page does not submit a financing application or run a credit check. Before applying, ask the provider which checks it performs and whether they affect your credit score.
What will my rate or payment be?
The provider’s offer determines the rate, fees, term, and payment schedule. We’ll start with your project scope; the provider must supply a personalized offer before you can compare actual costs.
Is PACE a grant or free government funding?
No. PACE is financing that must be repaid through a property-tax assessment. It creates a lien on your home. Failure to pay may put your home at risk.
When can construction begin?
Scheduling follows the agreed scope, confirmed funding, and any required permits or other approvals. Your Elusive team will discuss a realistic timeline for your project.
Let’s start with your plans
A better home. A conversation away.
Tell us what you want to improve. We’ll help you understand the next steps for the project and its financing options.
This is a project conversation, not a credit application.
