Finance energy improvements into your Florida mortgage — FHA EEM, PACE, GreenCHOICE, and more.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- FHA Energy Efficient Mortgage: add up to 5% of home value for improvements
- PACE financing: property tax-assessed energy and hurricane upgrades
- Fannie Mae GreenCHOICE: energy and resilience retrofits
- Solar panels, impact windows, insulation, HVAC upgrades eligible
- Particularly relevant in Florida for hurricane hardening and cooling costs
- Energy audit may be required to identify eligible improvements
- PACE liens have special priority status — check lender acceptance