Paying for the work
Financing is available
You do not have to pay for the whole job the week it goes in, and we will walk through the options at the estimate.
Why people finance this work now
The federal credit is gone, the heat is not
Until the end of 2025 a lot of homeowners timed this work around the federal energy efficient home improvement credit, and it ended for property placed in service after December 31, 2025. That removed one of the reasons to wait, and it did not make August any cooler. Financing is how most people bridge that: it turns a job you were going to postpone another summer into work that is done before the next one, and it lets you do the windows and doors together rather than in two separate years.
What we can tell you, and where
Real terms, at the estimate, in writing
Financing is available on our work. You will not find a rate, a promotional period or a monthly payment anywhere on this page, and that is deliberate rather than evasive. Advertised financing terms in home improvement are typically the best case for the best qualified applicant on one particular product, and most people never get that offer, so a number printed here would be a guess dressed up as a promise. Ask at the estimate, once there is a measured scope to attach it to, and you get the current options in writing before you commit to anything.
What we can tell you here
- Financing is available on our work.
- You can ask about it at the estimate, before you commit to anything.
- Terms are put in writing before you sign anything.
What you will not find here
- A rate or an APR.
- A zero percent banner.
- An estimated monthly payment.
- A promotional period with an asterisk after it.
Every one of those is a number we would have to qualify so heavily it stopped meaning anything. You get real figures when there is a real job to attach them to.
Before the appointment
What to have ready
None of this is required. All of it makes the conversation shorter and the answer more accurate.
01
The scope, not the wish list
Which rooms, how many openings, and whether doors and screens are in or out. A finance conversation about some windows goes nowhere. A conversation about eleven openings and a patio door goes somewhere.
02
Who is on the title
Financing for home improvement work generally involves the property owner. If the house is held jointly or in a trust, knowing that up front saves a second appointment.
03
A monthly figure you are comfortable with
Not a budget for the whole job, a number per month that does not make you wince. It is a far more useful starting point, and it lets us tell you honestly whether the scope you want fits it.
04
Any other quotes you have
If you already have quotes from other companies, have them handy. Comparing the total cost of each, financing included, is far easier side by side.
05
Any existing assessment on the property
If a previous owner used PACE or a similar property-assessed program, it sits on the property tax bill and it matters. Dig out last year’s tax bill if you are not sure.
And one thing to leave at home
The pressure to decide on the day. A quote that expires the moment we leave your driveway is a sales tactic, not a price.
Use this on us too
Six questions to ask about any home improvement financing
These are not rhetorical. Ask them of every company you get a quote from, ours included, and write down the answers.
- 01 What is the total amount financed, including every fee, and what is the total I will have paid at the end?
- 02 Is this a loan, a lease, or an assessment on my property tax bill? They are not the same thing.
- 03 What happens to this obligation if I sell the house?
- 04 Is there a prepayment penalty if I clear it early?
- 05 Is the rate fixed for the whole term, or does it change?
- 06 Who exactly am I borrowing from, and what happens if the contractor and the lender disagree?
Regulatory note, effective March 1, 2026
PACE financing is now regulated like a mortgage
Property Assessed Clean Energy financing, PACE, and the HERO-style programs built on it, is not a loan in the ordinary sense. It is repaid as an assessment on your property tax bill and it attaches to the property. It has been widely used for windows, roofing and other home improvements across Riverside County.
As of March 1, 2026, the Consumer Financial Protection Bureau final rule on residential PACE financing is in effect. The rule amends Regulation Z to apply the Truth in Lending Act to PACE transactions, prescribes ability-to-repay requirements for PACE financing, and applies the TILA civil liability provisions to it. In practice that means a PACE transaction now carries mortgage-grade underwriting and disclosure obligations rather than sitting outside them.
We are stating this because it is a material change and because homeowners are still being approached about property-assessed financing for exactly the kind of work we do. If anyone offers you financing that would appear on your property tax bill, you are entitled to the disclosures and the ability-to-repay assessment the rule requires. Read them.
This is a description of a published federal rule, not legal or financial advice.
Questions
About financing
Do you offer financing?
Yes. Financing is available on our work. We do not publish rates, terms or monthly figures on this website, because those depend on the lender, the amount and your own circumstances, and a number printed on a web page would be a guess dressed up as a promise. Ask at the estimate and you will get real figures in writing.
Why will you not just put the rate on the page?
Because we would have to caveat it into meaninglessness. Advertised financing terms in home improvement are typically the best case for the best-qualified applicant on a specific product, and most people do not get that offer. We would rather show you your terms than somebody else’s.
Does financing change the price of the job?
Ask that question of everyone you get a quote from, and ask it exactly that way. It is one of the most useful questions in home improvement, and the answer tells you a great deal about how a company operates.
Should I use a home equity line instead?
It is a genuine option and for some homeowners it is the cheaper one. We are window installers, not financial advisors, and we are not going to pretend otherwise. Compare the total cost of both, including fees, before you commit.
The call to action
Get the price first, then talk about how to pay for it
Start with the free in-home estimate. Once every opening is measured and the scope is on paper, the financing conversation is about a real job and a real number instead of a hypothetical. A payment plan quoted for a job nobody has measured is not information, it is a sales technique, and we would rather you recognize that whether you are talking to us or to anybody else.
Financing is available. Terms are provided in writing before you sign anything.
Sources
Where the regulatory statements come from
- Consumer Financial Protection Bureau, Residential Property Assessed Clean Energy Financing (Regulation Z), final rule Effective March 1, 2026. Applies the Truth in Lending Act to PACE transactions, prescribes ability-to-repay requirements, and applies TILA civil liability provisions. Retrieved September 1, 2026.
- Federal Register, publication of the same rule (2024-30628) Published January 10, 2025.
CA Lic. #980336 · Verify any contractor license before you sign or pay a deposit.
Find out what your house actually needs
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