FLORIDA HOMEOWNER PROGRAM
Rated 4.8/5 (750+ reviews)
$0-Down Home Repairs For Florida Homeowners
No credit check to confirm eligibility — take the 60-second quiz below.
I want my home repair done with $0 down
Rated 4.8/5 (750+ reviews)
No credit check to confirm eligibility — take the 60-second quiz below.
As featured in
Eligibility is assessed on the home and the named repair, not on a traditional bank approval.
Eligible work can start with nothing out of pocket. Financing terms are set by the provider.
We only take enquiries from the counties where the program is currently active.
About the home and the repair you need. Takes about 60 seconds.
The property, the project, your credit band and your ZIP are checked against current program rules.
A local specialist calls to go through the options with you. No obligation, and you can stop at any point.
“I honestly thought zero down was one of those too-good-to-be-true things. Filled out the form on a Sunday night expecting nothing, and by Tuesday I'd been matched with a program that actually fit our situation. The whole process took about six weeks from inquiry to the work being completed, and we didn't pay a dime upfront. Wish we'd done it two years ago.”
“We'd been quoted over $10,000 elsewhere and just couldn't swing it. ClearHomeGuide matched us within 48 hours and the contractor they connected us with was fantastic — showed up on time, kept everything clean, walked us through every step. Genuinely zero down, no surprise costs at the end. The only reason I'm writing this is because my brother-in-law didn't believe me.”
Takes 60 seconds · Florida homeowners only
No. ClearHomeGuide is not a bank and not a lender. We connect Florida homeowners with third-party contractors and financing providers. Terms, rates and eligibility are set by the provider, not by us.
Checking eligibility on this page does not involve a credit check. We ask which credit band you fall into so the property can be matched to the right program rules. Any later application is handled by the financing provider and their own terms apply.
For eligible projects, approved work can start without an upfront payment from you. It is financing, not a grant — it is repaid over time on terms set by the provider. Not all homeowners or projects will qualify.
A specialist from the contractor handling your area calls to go through the options. Most calls happen the same day. There is no obligation and you can end the call at any point.
Florida only, and only the counties where the program is currently active. The ZIP question near the end of the check confirms whether your address is covered.
ClearHomeGuide is a referral service. We connect Florida homeowners with third-party contractors and financing providers licensed to supply those products and services, and we receive a fee from those third parties for the introduction. We are not a lender and not a contractor. Financing terms, rates and eligibility are determined by the provider. Not all homeowners or projects will qualify.
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