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Discover How to Upgrade and Improve Your Home’s Heating and Cooling Systems With No Money Down Energy Financing Programs in California.

What is property assessed clean energy financing?

Property assessed clean energy, or PACE, financing allows property owners to fund energy efficiency, water efficiency and renewable energy projects with little or no up-front costs. With PACE, residential and commercial property owners living within a participating district can finance up to 100% of their project and pay it back over time as a voluntary property tax assessment through their existing property tax bill.

Why use PACE financing?

First, by offering up to 100% financing on qualifying improvements, PACE can eliminate the need to pay out of pocket for your project. Second, depending upon the type of improvements installed, repayment may be amortized for a period of up to 20 years, keeping your monthly payments low enough that your utility savings may exceed your payment, creating a net positive cash flow. Third, the interest may be tax deductible. Finally, because PACE ties the loan to the property and not an individual, the loan may transfer upon sale or refinancing of the property. In other words, you may not need to be concerned about recouping the cost of your improvements if you decide to sell the property before the loan is repaid.

Who can take advantage of PACE?

PACE financing is only available to property owners in certain cities or counties that have adopted a program. In general, PACE programs offer competitive financing terms to property owners with at least some equity in their home or business and have not been delinquent on their property tax or mortgage payments.

  • Hero - California Clean Energy Financing

Home renovations with $0 down: the smart way to save.

Renew Financial provides 100% financing for home improvements that save energy or water. We’ll help you afford to replace your furnace, go solar, replace your roof, get a tankless water heater, and more, with no upfront cost.

We only finance high quality products that meet state and national standards for energy efficiency, so with Renew Financial, you know you’re getting quality products for your home.

Renew - California Clean Energy Financing

The smart alternative to traditional credit-based financing

Get all your qualifying projects done at once

Stop worrying about which home improvements to take on first.  Now you can bundle new efficient windows, insulation, and a cool roof into one project.

No upfront payment

Upfront payments are the #1 barrier to moving forward on home improvements – especially those that cut energy usage.

Fixed terms up to 30 years

No balloon payments. No funny business with fees.
Just one competitive rate locked in for the long haul.
Make payments through your property tax bill.

Energy savings may pay for the improvements

You can control how much you save.  Whether it’s windows and insulation for efficiency or adding solar to the mix, we find the right balance for you and your home. And your pocketbook, of course.

Payments may stay with the property

If you sell your home, your payments may transfer to the new owner, just like your property taxes—so you only pay for improvements while you use them.*

Eligibility based on property equity

Ygrene financing isn’t considered personal debt. Eligibility is based on property equity, among other factors. There’s no reason to take on debt for home improvements anymore. (Your credit report will be requested during the application process).

Ygrene - California Clean Energy Financing