Three ways to pay for your project
Financing
When you need a roof, windows, HVAC, or remodel, you should not have to drain savings to get it done. Facing The Sun works with three financing partners: Service Finance for fast approvals and promotional rates, Home Run Financing for equity-based PACE when credit is tight, and Wells Fargo for a reusable bank credit line. At your free estimate, we put real monthly numbers next to each one so you compare before any work starts.
Need to start now, without draining savings?
Service Finance
Service Finance Company approves most applications in minutes through a fully digital process, with more than 50 loan products behind it, from zero-interest promotions and deferred-interest plans to long-term fixed installment loans. Many of them require no down payment. That matters when a roof leak in January or a dead AC in a 105-degree July does not wait for savings to catch up. You apply at your kitchen table, get a decision before we leave, and the long-term fixed plans stretch bigger projects into a monthly payment your budget can actually absorb.
Current offer
No interest, no payments for up to 24 months
Qualifying Same-As-Cash plans charge zero interest and require zero payments during the promotional period, up to 24 months with approved credit. Ask us which promotions are running when you book your estimate.
- Credit decision in minutes, fully online
- Zero-interest and deferred-interest promotions
- No down payment on many plans
Credit took a hit, but you own your home?
Home Run Financing
Home Run Financing approves PACE financing based on the equity in your home and your property tax payment history, not your FICO score, with fixed rates and terms up to 20 or 30 years. Instead of a monthly bill, repayment is added to your county property tax bill once or twice a year, or folded into your mortgage escrow. If your credit took a hit but you kept your home, this is often the difference between replacing a failing roof and living under it. It also carries a protection most loans do not: we do not receive final payment until you confirm in writing and by phone that the work is finished and done right.
Current offer
$0 down, and your first payment can be up to 18 months out
PACE covers up to 100% of your project with no upfront costs. Because repayment follows the property tax calendar, your first payment may not be due for up to 18 months depending on when your project wraps up.
- Approval based on home equity, not credit score
- Repaid through your property tax bill
- Fixed rates with terms up to 20 to 30 years
Planning more than one project over the years?
Wells Fargo Financing
The Wells Fargo Home Projects program is a revolving credit line from one of the four largest banks in the United States. You get approved once, then reuse the line for future projects without applying again. Replace the roof this year, upgrade the windows next year, remodel the kitchen after that, all on the same line. You also get infrastructure smaller lenders cannot match: a reliable mobile app and online portal for balances, statements, and auto-pay, plus 24/7 customer support. It is a good fit if you value bank-level stability and know this house has more projects ahead.
Current offer
0% APR equal-payment plans on qualifying purchases
The Home Projects card offers special financing promotions, including 0% APR equal monthly payment plans and no-interest-if-paid-in-full windows, on qualifying purchases with approved credit. We confirm the current promotions at your estimate.
- Reusable credit line for future projects
- Full online and mobile account management
- 24/7 customer support from a major bank
Compare Your Three Options
Every situation is different, so we keep all three programs on the table. Here is how they stack up side by side.
Service FinanceBest for
Fast approval and promotional rates
Approval based on
Credit application
Credit decision
Minutes, fully digital
How you repay
Fixed monthly installments
Terms
Promotional and long-term fixed plans
Home Run FinancingBest for
Equity in the home, bruised credit
Approval based on
Home equity and property tax history
Credit decision
Equity and tax record review
How you repay
Property tax bill, once or twice a year
Terms
Fixed rates up to 20 to 30 years
Wells FargoBest for
Repeat projects and bank stability
Approval based on
Credit application
Credit decision
One approval, reusable line
How you repay
Monthly payments on the credit line
Terms
Revolving credit line
Which One Fits You?
If you want speed and a promotional rate, Service Finance usually wins. If your credit took a hit but you have equity in your home, PACE through Home Run Financing keeps the project possible. If you want a big-bank credit line you can come back to, Wells Fargo makes sense. You do not have to figure it out alone. Here is exactly what happens.
Book your free estimate
We walk the project, measure, and explain what we find in plain language. No cost, no obligation, no pressure.
See real monthly numbers
We put each financing option next to your actual project price, so you compare payments on real figures, not a guess.
Apply and start
Most applications are digital and take minutes. Once you are approved, we schedule the work and get moving.
Common questions
Yes, in many cases. PACE financing through Home Run Financing bases approval on the equity in your home and your property tax payment history rather than your credit score, so you can still qualify for a new roof, windows, or HVAC system even with credit challenges. We help you check eligibility at your free estimate.
Not always. Many Service Finance loan plans require no down payment at all, which means an urgent project like a leaking roof or a failed AC can start right away without draining your savings. Exact requirements depend on the plan you qualify for, and we go over them before you commit to anything.
Service Finance applications are fully digital and most borrowers receive a credit decision within minutes, often before our estimator leaves your driveway. PACE approval through Home Run Financing depends on an equity and property tax review, and Wells Fargo issues a reusable credit line after a one-time approval.
PACE stands for Property Assessed Clean Energy. It is a financing program that funds home improvements like roofing, energy-efficient windows, and HVAC based on your home's equity, then collects repayment as a line item on your county property tax bill. Approval does not hinge on your credit score, and terms run up to 20 or 30 years at fixed rates.
PACE financing is repaid through your county property tax bill, typically once or twice a year, or automatically through your mortgage escrow account if you have one. Because payments follow the property tax cycle instead of a monthly loan statement, there is no separate monthly bill to manage.
With a zero-interest promotion, you pay no interest if the balance is paid within the promotional window. With deferred interest, interest accrues from day one but is waived if you pay in full before the promotion ends, and charged if you do not. The difference matters, so we walk through the exact terms of any plan before you sign.
With Home Run Financing, yes. The lender withholds our final payment until you confirm in writing and by phone that the project is complete and done to your satisfaction. Every project we take on is also covered by our CSLB license and workmanship standards, regardless of how you pay.
No. The estimate comes first and costs nothing. Once you know the real project price, we lay the financing options next to it and you compare actual monthly numbers. Most people arrive assuming one option and leave choosing another once they see the math.
Roofing, windows, HVAC, and remodeling can all qualify, subject to each program's rules and approval. Tell us what you are planning and we will match it to the option that fits.