PACE lending programs face mounting complaints that many homeowners using property assessments to fund energy-efficiency upgrades can neither afford, nor understand, the terms of their deals.

Renovate America, the biggest player in Property Assessed Clean Energy, is looking to address the criticism by doing more to understand borrowers. In September 2016 , the company launched more formal disclosure policies; now it’s going a step further and preparing to take borrower income into account in its underwriting.

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