Flooring — $0 down financing
New floors throughout your home — tile, luxury vinyl, or wood — with $0 down and no payments for 12–18 months.
- Licensed
- Insured
- Financing options
- $0 down
$0 down financingFlorida's humidity and flood risk make waterproof tile and luxury vinyl plank smart choices over moisture-prone materials — durable flooring that holds up to the climate.
New flooring is one of the most visible, high-impact upgrades a Florida homeowner can make — it changes how every room looks, feels underfoot, and holds up to daily life. APEX Project connects Miami-Dade and South Florida property owners with vetted, licensed flooring contractors and arranges the financing so the whole job can move forward with $0 down. We're not a flooring company and we don't install anything ourselves; we match you with the right installer for your home, then help structure payment so you don't have to write a large check before the first plank goes down.
For flooring specifically, financing runs through our consumer program, not PACE. Flooring is considered cosmetic and lifestyle work — it doesn't make your home more energy-efficient or more hurricane-resistant in the way Florida's PACE statute requires — so it sits outside property-tax PACE financing. Instead, eligible homeowners can do the project with $0 down, no payments for the first 12–18 months, and low monthly payments after that. This is a financing program, not a grant and not free money; you're spreading the cost of real work over time on terms designed to be manageable.
What APEX brings to the table is the matching and the legwork. One vetted contractor handles the whole job — measuring, sourcing materials, tear-out, subfloor prep, and installation — so you're not coordinating three different trades or chasing down warranties. Whether you're replacing tired carpet, rebuilding after a water event, or refloorng an entire house before selling or settling in, we line up the right licensed pro and a financing path that fits.
Why it matters in Florida
Florida is uniquely hard on floors. Year-round humidity, frequent rain, sandy soil, and the standing risk of flooding from storms and burst plumbing all punish moisture-sensitive materials. Solid hardwood and traditional laminate can cup, swell, buckle, or grow mold when humidity stays high or water finds its way under the surface — which is why so many Miami-Dade homes have moved to waterproof tile and luxury vinyl plank (LVP). These materials shrug off humidity, clean up easily after tracked-in sand and pool water, and survive a wet season that would ruin lesser flooring. There's also a hurricane-and-flooding angle that's specific to South Florida. Homes that have taken on water — whether from a roof breach, storm surge, or a slab leak — frequently need full flooring rebuilds, and that work is rarely budgeted for in advance. Waterproof, hard-surface flooring is the smart rebuild choice because it gives you a floor that can handle the next event with far less damage. In a region where the question is often "when," not "if," choosing the right material the first time is part of protecting the home long term.
Why homeowners choose this
$0 down to start
Refloor a room or your entire home without a large upfront payment. Eligible homeowners begin the project with nothing out of pocket through our consumer financing program.
No payments for 12–18 months
The intro period gives you breathing room — get the floors installed now and start payments later, which is especially useful after an unexpected water-damage rebuild.
Built for Florida's climate
Your matched contractor steers you toward waterproof tile and luxury vinyl plank that handle humidity, sand, pool splashes, and the occasional flood far better than moisture-prone materials.
One contractor, one accountable job
A single vetted, licensed installer owns the whole project — measuring, tear-out, subfloor prep, and installation — so you're not juggling multiple trades or split warranties.
Vetted, licensed installers only
APEX matches you with contractors who carry the proper Florida licensing and insurance, so the people in your home are qualified and the work is done to code.
Faster path from decision to done
Because we handle the matching and the financing setup, you skip the slow shopping-around phase and move straight to measurements and scheduling.
From match to done
- 1
Tell us about your floors
Share the rooms, rough square footage, current flooring, and what you're after — a quick refresh, a whole-home replacement, or a post-water-damage rebuild. No charge and no obligation to move forward.
- 2
Get matched to a vetted installer
APEX connects you with a licensed flooring contractor suited to your project type and area in Miami-Dade or greater South Florida, and reviews financing eligibility for the consumer $0-down program.
- 3
In-home measure and material selection
Your contractor measures precisely, assesses the subfloor, and walks you through material options — waterproof tile, LVP, or wood — with a clear written scope and an honest cost estimate.
- 4
Schedule and install
Once you approve the scope and financing terms, the crew handles tear-out, subfloor prep, and installation. One team sees the job through from the first room to the last.
- 5
Walkthrough and warranty
You and the contractor do a final walkthrough, confirm the work meets the agreed scope, and you receive material and workmanship warranty details. Then your no-payment intro period runs before monthly payments begin.
What's included
- In-home measurement and subfloor assessment
- Material guidance: waterproof tile, luxury vinyl plank (LVP), or wood options
- Removal and disposal of existing flooring (carpet, old tile, damaged material)
- Subfloor prep and leveling as needed for a proper install
- Full installation by one vetted, licensed crew
- Transitions, trim, and baseboard handling as scoped
- Post-water-damage flooring rebuilds and carpet-to-hard-surface conversions
- Material and workmanship warranty details provided at completion
$0-down financing for your Flooring
Flooring is financed through APEX's consumer financing program — not PACE. Florida's PACE statute (s.163.08) covers only energy efficiency, renewable energy, and wind/hurricane resistance, and flooring doesn't fall into any of those categories, so property-tax PACE isn't available for this work. Instead, eligible homeowners can complete a flooring project with $0 down, no payments for the first 12–18 months, and low monthly payments after the intro period ends. It's important to be clear about what this is: a financing arrangement, not a grant and not free money. You're borrowing to do real work and repaying it over time on terms structured to be manageable, with the no-payment window giving you flexibility — particularly valuable when flooring becomes an urgent, unplanned expense after water damage. Approval and exact terms depend on standard eligibility review, which APEX helps coordinate as part of the match. In rare cases where flooring is bundled with a genuinely qualifying efficiency or hardening improvement, a PACE path might apply to that other component — but the flooring itself is financed through the consumer program.
$0
down payment
12–18 mo
no payments
Low
fixed monthly
Flooring cost varies widely with material choice, square footage, subfloor condition, and how much tear-out is required — these figures are illustrative, not a quote. As a rough guide, many South Florida homeowners see installed pricing in the range of roughly $4–$12+ per square foot, with luxury vinyl plank typically at the lower-to-middle end and premium tile or wood toward the higher end. Whole-home projects, extensive subfloor leveling, or post-flood rebuilds push totals up. Your matched contractor provides a firm written estimate after measuring; APEX does not set prices.
APEX is not a lender, contractor, or PACE administrator; financing is provided by third parties and subject to eligibility.
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Flooring — questions
Can flooring be financed with PACE?+
No. PACE in Florida covers only energy, renewable, and hurricane-hardening work, and flooring is cosmetic/lifestyle work that falls outside that scope. APEX finances flooring through the consumer program instead — $0 down, no payments for 12–18 months, then low monthly payments. It's financing, not a grant.
What flooring holds up best in Florida?+
Waterproof tile and luxury vinyl plank (LVP) are the most popular choices for Florida because they resist humidity, standing water, sand, and pool splashes. Solid hardwood and traditional laminate are more prone to cupping or swelling in our climate. Your matched contractor will recommend the right material room by room.
Is the $0-down financing actually free?+
No — it's a financing program, not a grant. You're spreading the real cost of the work over time. The benefit is that you pay nothing upfront and have no payments for the first 12–18 months, then make low monthly payments. Final terms depend on standard eligibility review.
Does APEX install the flooring?+
No. APEX is an independent matching service. We connect you with a vetted, licensed flooring contractor and help arrange the financing. The contractor does the measuring, material sourcing, and installation, and stands behind the workmanship warranty.
Can you handle flooring after water or storm damage?+
Yes. Post-water-damage flooring rebuilds are a common project, and the $0-down, no-payments-for-12–18-months structure is especially helpful when the expense is sudden and unplanned. Your contractor will assess the subfloor for moisture and damage before installing new flooring.
Do I have to redo my whole house, or can I do one room?+
Either. Projects range from a single room or carpet-to-hard-surface conversion up to whole-home replacement. Tell APEX the scope you want and we'll match you with a contractor suited to that size of job.
Will the old flooring removal and disposal be included?+
In most projects, yes — tear-out and disposal of the existing flooring, plus subfloor prep, are part of a typical scope. Your contractor confirms exactly what's included in the written estimate before any work begins.
How long does a flooring project take?+
It depends on square footage, material, and subfloor condition. A single room can often be done in a day or two, while a whole-home job with significant prep takes longer. Your matched contractor gives you a realistic timeline at the measurement visit.
On your side — not the contractor's.
We're independent
Not a builder. We match you to the right contractor for your job — our incentive is your result.
Vetted network only
We work with licensed, insured, vetted Florida contractors.
Free for you
Our matching service costs property owners nothing.
Local to Miami
Miami-Dade specialists who know the permits and programs.
Ready to upgrade with $0 down?
Tell us about your project and we'll match you with the right contractor and financing.