$0 Down. Approval Not Based on Your Credit Score.
Most contractors bury how their financing works. Here's ours in plain English — every program, every incentive, and exactly who qualifies.
The County-Approved Financing
Authorized by Florida law and approved by Hillsborough County, this program finances your upgrade through an assessment on your property tax bill instead of a bank loan.
- $0 down — no deposit, no cash out of pocket
- No credit score requirement — approval is based on home equity and tax history
- Long terms — payments spread over decades, not years
- No payments for months — your first payment arrives with a future tax bill
- Stays with the property — improvements and assessment belong to the home
Honest eligibility: the program is available for homes in unincorporated Hillsborough County with equity and property taxes current. Inside Tampa city limits or elsewhere? Ask us about unsecured options — we'll tell you straight either way. Verify your address: (813) 513-0860
Unsecured Financing
Not in the county-program zone, or prefer financing that doesn't touch your property taxes? We offer unsecured options with fast approvals.
- Nothing attached to your property
- Fast application and decision
- Fixed monthly payments
In your free evaluation we show every option side by side — total cost, monthly amount, and which incentives stack with each — so you pick with full information.
The Money Nobody Tells You About
Up to $500 Sales-Tax Refund
Florida's HB 7031E (effective July 1, 2026 through 2029) refunds sales tax on impact windows, doors, and garage doors for homesteaded homes. We handle the paperwork with you.
My Safe Florida Home Grants
The state's grant program was re-funded with over $405M in 2026 — matching grants up to $10,000 for wind-mitigation upgrades on eligible homes. We'll tell you if you're a fit.
Insurance Mitigation Credits
Florida Statute 627.0629 requires insurers to discount wind-mitigated homes. Impact openings + a code-compliant roof can meaningfully cut the wind portion of your premium, every year.
Think in Monthly Terms, Not Sticker Price
A $20,000 whole-home window project financed over a long program term often lands near the cost of a family dinner out each month — before counting what you get back in insurance and energy savings. For many homes, the savings offset a meaningful share of the payment.
In your evaluation we put three numbers side by side: your payment, your estimated savings, and your true net monthly cost. You decide with all three in front of you.
Example: The Real Math*
| Whole-home impact windows | $20,000 |
| Monthly assessment (spread over term) | ~$120–$180/mo |
| Typical insurance savings | –$60 to –$200/mo |
| Energy savings | –$20 to –$50/mo |
| Feels like | A fraction of the payment |
*Illustrative ranges — your exact numbers depend on your home, term, and insurer, and are shown in your free evaluation before you sign anything.
Asked Constantly, Answered Straight
What is the county-approved financing program?
It's a home-improvement financing program authorized by Florida law and approved by Hillsborough County. It funds hurricane protection and energy improvements through an assessment on your property tax bill. No down payment, no bank loan, and approval is based on your home equity and property-tax history — not your credit score.
Who qualifies in Hillsborough County?
Homes in unincorporated Hillsborough County with sufficient equity and property taxes current. Credit score is not part of the approval. We verify address eligibility for you in minutes — call (813) 513-0860.
What if my home isn't eligible?
We also offer unsecured financing that doesn't attach to your property. In your free evaluation we'll show you every option your home qualifies for, side by side.
Does the financing stay with the house if I sell?
The assessment is tied to the property. At sale it's typically settled from the sale proceeds at closing — or in some cases it can transfer to the new owner, since the improvements stay with the home. Your closing agent handles it like any other assessment — and impact windows and a new roof typically raise the sale price.