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HomeStyle Energy

Make your home more energy efficient and more comfortable.

Energy efficient upgrades to your home may lower your utility bills, save energy, and make your home healthier and more comfortable — but they usually require an upfront cost. With our HomeStyle® Energy mortgage for a home purchase or refinancing, you don’t have to choose between a more efficient home and a balanced budget. As a next step, talk to a lender to understand if HomeStyle Energy is the right option for your situation.

What kind of improvements qualify?

  • Energy efficiency. ENERGY-STAR®-certified products, smart thermostats, HVAC systems, basic weatherization and insulation, energy-saving windows and doors, and water heaters.
  • Water efficiency. Water-saving toilets and low-flow showerheads and faucets.
  • Renewable energy upgrades. Solar panels, wind power, and geothermal power.
  • Home resilience and natural disaster readiness. Storm surge barriers, foundation retrofitting for earthquakes, brush and tree removal in fire zones, retaining walls, and radon remediation systems.
  • Existing energy improvement debt. Pay off an existing Property Assessed Clean Energy (PACE) loans , credit cards, and home equity credit lines.

Benefits of HomeStyle Energy

  • Use for a wide variety of eligible energy and water improvements.
  • Long-term savings on energy and water costs.
  • Helps protect home from natural disasters with resiliency improvements.
  • No minimum loan amount required.
  • Can be used to pay off PACE or other energy improvement loans.

Borrower requirements

  • An existing home, not new construction.
  • A property that meets occupancy and property restrictions.
  • A home purchase or limited cash-out refinance — no cash-out refinance option.
  • A property with hazard insurance in effect at closing, covering the completed value of the home.

You can finance new energy improvements for up to 15% of the “as completed” value of the property — that’s the value of your home once the upgrades are complete.

Improvements costing over $3,500 may require a Home Energy Reporting System (HERS), Department of Energy (DOE), or similar report.

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