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?
- View a Program Overview Slideshow
- View the Program Summary
- View a Program Flyer
- Find a Participating Contractor
- Frequently Asked Questions
- Look up a Property Records for Completed Projects
- Contact Us
Why Upgrade Now?
- Increase energy efficiency
- Create a more comfortable home
- Lower your utility bills
- Potentially increase your home's value
how to apply?
*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.