Homeowner Guide - CHF Residential Energy Retrofit Program

Homeowner guide

in partnership with

energy upgrade california

for the CHF Residential Energy retrofit program


HOMEOWNERS: Is your house leaking energy and money? Energy upgrade today!


competitive loan financing

There's never been a better and more affordable time to energy upgrade. With the CHF Residential Energy Retrofit Program, eligible homeowners in 44 counties of California can apply for a 6.5% fixed interest rate loan, up to $50,000, to make energy efficiency home improvements.

Additional rebates up to $4,500 may also be available through your local utility providers, depending on the work completed. Ask your Contractor for more information about rebates and incentives that can be combined with the CHF Residential Energy Retrofit Program.

want to learn more?

In partnership with
Energy Upgrade California

Why Upgrade Now?

  1. Increase energy efficiency
  2. Create a more comfortable home
  3. Lower your utility bills
  4. Potentially increase your home's value

how to apply?

  • Contact Us to learn more and to get a referral to one of our Participating Contractors.
  • The contractor will thoroughly evaluate your home, let you know which improvements will make the biggest impact to lower your energy use and help you with the CHF loan and grant application and paperwork.
  • Customer testimonial

*Certain properties may not be eligible (such as mobile or manufactured homes). Other guidelines may apply. Contact Us for a referral to one of our Participating Contractors for this Program to obtain complete program guidelines. The above example of 100% financing of qualified retrofit projects under the CHF Residential Energy Retrofit Program is based on a 15-year, fixed-rate loan. Under the Program, the monthly payment on a $20,000, 15-year fixed-rate loan at 6.50% interest would be $174.22 and the Annual Percentage Rate (APR) would be 6.924%.

The CHF Residential Energy Retrofit Program is sponsored by California Home Finance Authority (CHF)*, a California Joint Powers Authority. Funding for this program is made possible through financing from Five Star Bank and may be supported in part by funds from one or more of the following; your local Investor Owned Utility (IOU), the California Public Utility Commission (CPUC), CHF, or the California Energy Commission (CEC), as part of an award to the CEC by the Federal Department of Energy under the American Recovery and Reinvestment Act.

Energy Upgrade California is a program of the California Public Utilities Commission in collaboration with the California Energy Commission, California counties, cities, nonprofit organizations, and the state’s investor-owned utilities. Funding comes from the utilities’ ratepayers under the auspices of the California Public Utilities Commission in addition to incremental funding from the Department of Energy.


*The California Home Finance Authority (CHF) was formerly known as California Rural Home Mortgage Finance Authority Homebuyers Fund (or CRHMFA Homebuyers Fund). A formal name change is pending.