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PACE as an option
Pace is a great program that has uniques benefits and features like the ability to pay the loan through your property taxes, and if your credit is not good, the rates are more than competitive.
When PACE financing was introduced as most new programs, it was miss-represented and customers did not understood the way the program works, this caused many upset customers to blame the program and not the contractor that offered the program.
When an individual does not have credit, the rates to pay for credit cards and almost any loan exceeds the 20% interest rate. PACE by securing the loan to the home though an assessment were able to provide loans at rates starting at 5.99%.
Since most property taxes are handled by the bank that hold the home loan, when the time to pay for your PACE loan comes 2 things happen.
- The bank will notify you that there is an unpaid balance that needs to be taken care of.
- Your mortgage payment will increase to now cover the new property tax bill amount.
PACE programs do not charge pre-payment penalties.
What Happens When You Want To Sell Your Home?
Homeowners have the option to transfer the loan to the new homeowners or pay-off the balance of the principal on the loan. Your PACE provider can assist you with all the information necessary. It just takes a quick call.
Traditional financing is also known as unsecured financing. The interest rates are determined by the applicant credit score and debt to income ratio. The is no need for collateral or home ownership. It is important to share your goals and concerns so that our experts find the best loan for you. Sometimes a short term loan with a higher interest rate can be a better option than a low interest loan that a customer plans to pay in less than 3 years. Rates start as low as 2.99% and go as high as 9.99%.