$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 participating Tampa Bay counties, this program finances your upgrade through an assessment on your property tax bill instead of a bank loan — and the insurance discounts your upgrade earns help offset the payment every year.
- $0 down — no deposit, no cash out of pocket
- No credit score requirement — your credit score is not part of the approval
- 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 eligible homes in Hillsborough, Pasco, Manatee, and Sarasota counties (unincorporated areas plus participating cities). Inside Tampa city limits or another non-participating city? The county-approved financing isn't available there — we'll tell you straight either way. Verify your address: (813) 513-0860
Is My Address Eligible?
Eligibility is decided by your parcel, not your mailing address. We check it before we quote anything.
- Unincorporated Hillsborough, Pasco, Manatee and Sarasota counties
- Participating cities such as Zephyrhills, Bradenton, Palmetto and Sarasota
- Not eligible: homes inside Tampa, Temple Terrace, New Port Richey and Plant City city limits
In your free evaluation we show your payment, the incentives that stack with it, and your net monthly cost side by side — before you sign anything.
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 you hold the policy, for as long as you own the home. This is the incentive that keeps paying.
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. Florida homeowners who completed these upgrades have seen premiums drop 30% or more, some by 50%+ — add a lower electric bill on top, and for many homes the savings offset a large 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 |
| Insurance savings (30%+ reductions documented, some 50%+) | Every month, every year |
| Energy savings | Every month, every year |
| 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 participating Tampa Bay counties. It funds hurricane protection and energy improvements through an assessment on your property tax bill. No down payment, no bank loan, and approval is not based on your credit score.
Who qualifies?
Eligible homes in Hillsborough, Pasco, Manatee, and Sarasota counties — unincorporated areas plus participating cities. 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 check your address first, so you know in minutes whether your home qualifies. If it doesn't, we'll tell you straight before you spend any time on a quote.
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.