Financing with The HERO Program


5 years10 years15 years20 years25 years
Interest rate5.49%5.99%6.49%6.99%7.25%
Contractor fee3.49%3.49%3.49%3.49%3.49%

By partnering with local governments, HERO has made energy and water efficiency upgrades more affordable for homeowners like you.

– Up to 25-year terms

– Borrow up to 15% of home’s value

– Competitive, fixed rates

  1. Apply online in minutes, with fast approvals
  2. Choose your terms and sign your financing documents
  3. Make payments with your property taxes

Welcome to a smarter way to pay for home upgrades.

Competitive financing. Highly-rated contractors. Industry-leading consumer safeguards.



Contractor and moving truck

Contractors you’ll refer.

Local contractors selected based on rating and reviews, specialization and more.



Home with savings on utility bills

Keep more money in your pocket.

Start your project with no money down and fixed-rate financing.



Happy homeowner gets final say

Get the final say on your projects.

Contractor will not be paid until you sign off the project is completed to your satisfaction.



Government Building

When you upgrade your home, you upgrade your life.



House plus sign


Lower utility bills.

⇢ Solar Panels
⇢ Heating & AC
⇢ Windows & Doors
⇢ Roofs & Insulation
⇢ Ducts & Ventilation



Circular saw


Live comfortably.

⇢ Remodels & Additions
⇢ Decks & Patios
⇢ New Floors
⇢ Bathroom & Kitchen Upgrades





Conserve water.

⇢ Artificial Turf
⇢ Drought-tolerant Landscaping
⇢ Irrigation Systems
⇢ High-efficiency Fixtures



Improving Your Home Improvement Experience


Read about trends for energy-efficient home design in 2017. Discover ways to save energy at home with important energy-efficient home improvements.

Read More


Multiple financing options. Endless opportunities.

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