Home Improvement Loans


You can finance your home retrofit with no upfront costs.

Home energy efficiency improvements typically cost from $2,000 to $15,000, with payback periods through energy savings of three to five years. Following the completion of your home energy audit, Retrofit America will propose to you an optimal finance package to cover these costs.

Home Buyers and Refinancings

If you are purchasing a home or refinancing your mortgage, you may qualify for an FHA Energy Efficiency Mortgage (EEM), where your FHA loan may be increased by the full cost of efficiency improvements for up to 5% of the appraised value of the home, without needing to reappraise the property or to re-qualify the borrower.

Home buyers can also include the full cost of efficiency measures with other home improvements for up to $35,000 in an FHA Streamlined 203(k) loan.

Home buyers with conventional mortgages can finance energy efficiency improvements through Fannie Mae's Energy Improvement Feature for up to 10% of the "as completed" appraised value of the property.

Existing homeowners

Existing homeowners may finance the full cost of energy efficiency improvements FHA's new PowerSaver loan program for up to $25,000 for terms of 15 years (up to 20 years for certain improvements). The PowerSaver loan program will complement FHA's Title I Property Improvement program, with a focus on improvements that result in better home energy performance. The borrower must meet specific qualifying ratios (i.e. minimum credit score of 660, maximum total debt-to-income ratio of 45%).
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