PACE / Ygrene

Stuck in a Ygrene or PACE Loan in Florida? Exit Paths & Records

July 2, 2026 · 6 min read

Part of the complete guide: Florida PACE & Ygrene Loans: The Complete Guide →

PACE financing isn't a normal loan — it's a lien on your home repaid through your property taxes. Here's why so many Florida homeowners got blindsided, and the first moves you can make.

If your property tax bill suddenly jumped after a contractor put solar panels or a new roof on your house, you may be in a PACE loan — and you are not imagining how bad it is. Across Palm Beach, Broward, Miami-Dade, and the Treasure Coast, thousands of Florida homeowners were signed up for PACE financing through companies like Ygrene without fully understanding what they agreed to.

PACE stands for Property Assessed Clean Energy. Unlike a normal loan, a PACE loan is not a personal debt — it's a special assessment attached to your property and repaid through your property tax bill.

What's on this page

Every section in this article, and what each one covers

1.What is a PACE loan, really?Two paragraphs, naming PACE.
2.Why PACE loans trap Florida homeownersA four-item list (Your taxes explode; You can't easily sell; ...) and a callout, naming the Consumer Financial Protection Bureau, Florida's Attorney General and PACE.
3.What you can do about a PACE or Ygrene loanOne paragraph and a four-item list (Document everything; If you have active roof; ...), naming the Florida Attorney General, PACE and CFPB.
4.In the Florida newsOne paragraph and three linked sources, naming the Holder Rule and PACE.

Also on this page

an opening passage above the first heading (1 paragraph)
two checklists (8 items in all)
a source list (3 outside links)
one callout
an FAQ (3 questions)

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Frequently asked questions

Can I get out of a PACE or Ygrene loan in Florida?

It depends on your facts. PACE assessments can be paid off, and Florida Statute 163.086 names three situations in which a PACE financing agreement may not be enforced: the owner canceled within the 3-business-day period, a person other than the property owner obtained the recorded agreement, or the program administrator or contractor obtained funding through fraudulent means in violation of the 2024 PACE statutes. Whether any of them reaches a particular agreement, including one signed before July 1, 2024, is a question for a Florida attorney. Because the assessment rides on the property tax bill, a missed installment becomes unpaid property tax; whether to keep paying is a call to make with that attorney.

Does a PACE loan have to be paid off when I sell my house?

Usually, yes. Although homeowners were often told the assessment would transfer to the buyer, in practice most buyers' mortgage lenders require the PACE lien to be paid off before closing, sometimes with a prepayment penalty.

Is Ygrene still operating in Florida?

Ygrene suspended its Florida residential PACE lending and reached a $3 million settlement with the FTC over its practices. If you have a Ygrene assessment, you can still pursue documentation and legal options regarding how it was sold to you.

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