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8/5/2018 » 8/8/2018
ASES 2018 Solar Conference

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Financing your Residential Green Building Project
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Local Financing Programs

See our Policy Watch for periodic updates on PACE financing (including the Climate Smart Loan - Residential Program) 

Low-Income Weatherization Program: Offered in partnership with local agencies and the U.S. Department of Energy, this program gives Colorado’s low-income residents the opportunity to access free and cost-effective energy-efficiency services

Energy Efficiency and Renewables for Boulder County and City and County of Denver Boulder County in collaboration with Elevations Credit Union and City and County of Denver will be offering low interest energy efficiency and renewable energy loans beginning spring/summer of 2012.  These loans can be made towards eligible energy efficiency and renewable energy measures improvements to homes and businesses participating in the EnergySmart or Denver Energy Challenge Programs. Check back for more information.


Homes built following green building standards may also qualify for special "green" financing. Called an Energy Efficient Mortgage (EEM), they can offer you more purchasing power.

The Colorado ENERGY STAR Mortgage (Bank of Colorado presentation download)

ENERGY STAR Explains several types of EEMs and provides links for additional information.

U.S. Department of Housing and Urban Development (HUD): Energy-Efficient Mortgage Program The Energy-Efficient Mortgage Program is one of many Federal Housing Authority programs that insure mortgage loans to encourage lenders to make mortgage credit available to borrowers, such as first-time homebuyers, who would not otherwise qualify for conventional loans on affordable terms.

Energy Ratings and Mortgages Energy efficient homes may qualify for mortgages that take into account a home's efficiency. Residential Energy Services Network (RESNET) provides information on home energy rating systems, energy efficient mortgages, and finding certified energy raters and lenders who know how to process energy efficiency mortgages.

Other Resources:

Funding Opportunities Compiled by the Environmental Protection Agency

Financing an Energy-Efficient Home This fact sheet from the Department of Energy features an overview of energy-efficient financing programs from mortgages to home improvement loans.

Refinancing for Energy-Efficiency Improvements An overview of refinancing to make energy efficiency improvements, from the Alliance to Save Energy.

Federal Housing Administration (FHA) Offers an Energy Efficient Mortgage (EEM) Home Owner Guide, which details the benefits and opportunities of this type of financing.

Consumer Incentives from the Tax Incentives Assistance Project

Private Financing Mechanisms

Many private Full Home Service Companies and Solar companies have created their own financing programs. When you are choosing a contractor keep this in mind but also be careful to explore the interest rates and make an informed decision about the economic benefits of each financing offer.
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