Approved roofing work may qualify
Florida PACE can include eligible roof repair, replacement, deck-attachment, secondary-water-barrier and related permanent improvements.
Home Run Financing PACE
Roof Financing in Palm Beach County
Planning a roof replacement or repair? Start with a free M&M Roofing estimate and information about Home Run PACE financing. Eligible projects in participating Palm Beach County communities may qualify, subject to property and owner approval. PACE is repaid through the property-tax bill and creates a lien on the home.
M&M Roofing license CCC1332459
Home Run handles the application, terms and approval directly
Request a Roof Estimate + PACE Information
Tell us the property ZIP code and roofing need. We will follow up to discuss the roof and check the jurisdiction.
This sends an information request to M&M Roofing. It is not a financing application or approval. Home Run sends its secure application directly to the property owner.
PACE Roof Financing at a Glance
Home Run's Florida PACE program is property-assessed financing. It is different from a traditional personal loan and carries obligations that should be compared carefully.
Repaid with the property-tax bill
The financed amount, interest and fees are repaid as an annual non-ad valorem assessment that creates a recorded lien on the property.
Home Run provides the financing terms
Home Run—not M&M Roofing—sets the rate, APR, fees, annual assessment, term and approval decision in the official financing documents.
Credit score is not the approval standard
Home Run says it does not use the applicant's score to determine eligibility, but it still reviews credit information and verifies ability to repay.
Home Run Availability in Palm Beach County
Home Run does not currently list every Palm Beach County municipality. Its public Florida communities page lists the seven places shown here, so an address in another city should not be treated as eligible without updated provider confirmation.
Roofing-service coverage does not guarantee PACE availability. The exact property address must be checked.
View Home Run's current Florida listPalm Beach County places currently listed by Home Run
Boynton BeachDelray BeachGolfLake Worth Beach (listed by Home Run as Lake Worth)Palm Beach ShoresRiviera BeachWest Palm Beach
Checked against Home Run's public Florida communities page on September 29, 2026. Participation and program terms can change.
Start with the roof
Know what your Palm Beach County roof estimate includes
A useful financing conversation starts with a clear roofing scope. The condition of the deck, the roof system and the work needed at edges and valleys all help shape that estimate.
A closer look at a West Palm Beach tile reroof
Our project photos follow the work from property protection and tile removal to the exposed wood deck and Polystick TU MAX underlayment installation. These stages show why a roof proposal needs to describe more than the visible roof covering.
For your own project, ask how tear-off, deck preparation, any needed wood repairs and the dry-in system will be handled. M&M can assess your roof and prepare a written estimate before you review financing terms with the provider.
Plan the work you need
Explore the roofing work first, then use your estimate to discuss the financing amount. Calculator figures are planning estimates, not a roofing quote or financing offer.
- Roof replacement
Understand the scope, materials and steps in a replacement.
- Roof repair
Explore repairs when the roof condition supports them.
- Tile roofing
Look beyond the tile to the roof system underneath.
- Roof cost calculator
Start a planning budget, then request a property-specific quote.
Compare the roof price with the financing offer
Keep the written roofing estimate beside the provider’s disclosures. Before signing, review these details together:
- Roofing cash price and scope
- Check the written work description, material choices, permits and any allowance for wood repairs.
- Amount financed, APR and fees
- Compare the amount financed with the roofing price. Ask for an itemized explanation of the APR and any upfront or ongoing fees.
- Annual assessment and total cost
- Review the annual assessment, term, first payment timing and total repayment over the full term, including interest and fees.
- Lien, escrow, sale and refinance
- Read the lien and payoff terms. Ask your mortgage servicer about escrow changes and how a future sale or refinance could be affected.
How an M&M Roofing PACE Request Proceeds
- Step 1
Roof assessment and written scope
M&M Roofing evaluates the roof and prepares the project scope and estimate.
Step 2Address and project check
We confirm that Home Run lists the property's jurisdiction and that the proposed roof work can be submitted for program review.
- Step 3
Secure Home Run application
M&M initiates the request when appropriate. Home Run sends the owner its secure application and collects qualification information directly.
- Step 4
Underwriting and disclosures
Home Run reviews the property and ability to repay and provides the financing disclosures. At least five business days before the agreement, it gives the mortgage holder or servicer written notice of the intent, maximum financed amount and maximum annual assessment.
Step 5Approval before roofing work
PACE-financed work begins only after approval, notice to proceed and required waiting and cancellation periods.
- Step 6
Completion and tax assessment
The project and required permit closeout are verified before final funding. The assessment then appears on the property-tax bill.
Important PACE Terms to Understand
Read the official Home Run documents and compare the total cost with other ways to pay before signing.
- PACE is not a government grant, subsidy, free roof or insurance payment.
- The assessment creates a property lien with the same dignity as county taxes and assessments.
- A mortgage servicer may increase the monthly escrow payment to cover the annual assessment.
- A buyer, seller's lender or refinancing lender may require the remaining balance to be paid in full.
- Failure to pay can lead to penalties, a tax certificate, legal proceedings and possible loss of the property.
- The three-business-day cancellation period runs from the latest required agreement or disclosure delivery date. Early payoff has no prepayment penalty, although nominal administrative costs may apply.
- The financed amount may include pre-first-payment interest, origination, recording or reserve costs, and an annual administrative fee may apply. The official documents control.
M&M Roofing is not a lender and does not provide legal, tax or financial advice. Home Run Financing determines eligibility, approval, rate, APR, fees, annual assessment and term.
Contractor registration or project approval does not mean Home Run Financing or the Florida PACE Funding Agency endorses, warrants or guarantees M&M Roofing or its work.
Palm Beach County PACE Financing Questions
Does M&M offer roof financing or payment plans in Palm Beach County?
M&M helps homeowners explore Home Run's PACE option for eligible roofing work. This is property-assessed financing, not a monthly installment plan paid to M&M. Repayment is collected on the property-tax bill; a mortgage servicer may adjust monthly escrow payments. Home Run determines eligibility and provides the actual terms.
Are Palm Beach, West Palm Beach and Palm Beach County the same service area for financing?
No. Palm Beach County includes separate municipalities. West Palm Beach is on Home Run's list checked September 29, 2026; the Town of Palm Beach is not on that list. A county name or mailing address alone does not establish eligibility. Confirm the exact property with Home Run before applying.
Can I get a roof estimate before applying for financing?
Yes. Request a free M&M Roofing estimate first so you can review the proposed repairs or replacement and the project price. Sending this site's form is an information request, not a financing application or a commitment to use PACE.
What should I have ready for the first roofing conversation?
Have the property address, roof type, a description of any leaks or damage and your preferred timing ready. We use the roof assessment to prepare a written scope. If you decide to apply, Home Run collects the financial qualification information through its secure application.
Is Home Run PACE available throughout Palm Beach County?
No. PACE authorization is jurisdiction-specific. A roofing company may serve a property even when the financing program is not available there. The exact address must be checked against Home Run's current community list.
Does PACE require a credit check?
Do not treat PACE as no-credit-check financing. Home Run says the credit score is not used to determine eligibility, but it may obtain credit information and must verify income, debts, mortgage obligations, taxes, insurance and ability to repay.
How much can I finance and what will the payment be?
The approved amount depends on the eligible project, property value, local limits and underwriting. Home Run provides the actual fixed rate, APR, fees, annual assessment and total cost. M&M Roofing does not quote financing payments or promise approval.
Will the assessment stay with the property if I sell?
Home Run permits an assessment to remain with the property, but a buyer or either party's mortgage lender may require full payoff during a sale or refinance. The seller must also provide the required property disclosure.
Can PACE cover all roofing costs?
Home Run advertises up to 100% financing for eligible project costs, subject to approval. Florida generally limits total PACE assessments to 20% of the county property appraiser's just value; local rules, underwriting or ineligible work may lower the approved amount.
Review the Full PACE Explanation
The main financing guide explains eligibility, the tax assessment, lien, sale and refinance considerations, cancellation and the Home Run process in more detail.
Start With Your Palm Beach County Property Address
We can review the roofing need and check whether the current Home Run community list includes the property's jurisdiction.