making
clean energy
financing
simple and
accessible
for all.
Joule is the first dedicated sustainable mortgage provider.
Our whole-home sustainable upgrade packages can be rolled into a home purchase or refinance, and our end-to-end customer experience ensures that upgrades are managed from start to finish.
How it works
get
prequalified
PURCHASE or
REFINANCE
WHOLE-HOME
UPGRADE
Complete an online application and get pre-qualified for a Sustainable Mortgage. Speak with a certified loan specialist today.
Close quickly on a home you love or upgrade the home you already live in. We offer special interest rates and expedited loan processing.
Work with a dedicated home energy advisor to complete your whole-home upgrade. Reduce energy, save money and live more sustainably.
Sustainable Loan Products
Home Purchase
FOR HOMEBUYERS
Roll the cost of sustainable upgrades into your primary home mortgage when purchasing a home.
home refinance
FOR HOMEOWNERS
Roll the cost of sustainable upgrades into your primary home mortgage with a refinance.
second mortgage
FOR BOTH
Finance the cost of sustainable upgrades with a renovation loan taken as a secondary mortgage.
Home Purchase
FOR HOMEBUYERS
Roll the cost of sustainable upgrades into your primary home mortgage when purchasing a home.
home refinance
FOR HOMEOWNERS
Roll the cost of sustainable upgrades into your primary home mortgage with a refinance.
second mortgage
FOR BOTH
Finance the cost of sustainable upgrades with a renovation loan taken as a secondary mortgage.
Whole-Home Solutions
ELECTRIFICATION PACKAGE:
SMART THERMOSTAT
ELECTRIC WATER HEATING
HIGH EFFICIENCY HEAT PUMP
EV CHARGING STATION
SOLAR PV PANELS
BATTERY STORAGE
ELECTRIC HEATING & COOLING
HIGH EFFICIENCY HEAT PUMP
Mortgage Comparison for Home Purchase
CONVENTIONAL
20 %
Principal & Interest
$ 2,056
Property taxes
Homeowners Insurance
HOA fees
Utilities
JOULE
18 %
2 %
MONTHLY
SAVINGS
$36/mo
Principal & Interest
$ 2,227
Property taxes
Homeowners Insurance
HOA fees
Utilities
Monthly savings
Why roll sustainable home upgrades into your home mortgage?
-
Qualify for a lower rate. We offer special energy rebate credits to lower the interest rate on your loan with qualified electrification and sustainable home upgrades.
-
Reduce dependency on fossil fuels. Gas-powered technology in residential homes produce 20% of U.S. emissions. Our packaged upgrades reduce your dependency on fossil fuels, and lower home emissions by more than 90%.
-
Save on utility bills. Heating, cooling and water heating account for 72% of energy consumption in your home. Electric heat pump technology is 3x more efficient than traditional gas-powered equipment. Switching to electric improves the efficiency of your home and adding rooftop solar significantly reduces monthly utility bills.
Loan Features
-
No draws.
-
Up to 1-year for project completion post closing
-
Up to 75% of as-completed value of home added to loan amount
-
Local, state and federal energy rebates can be used as credits to buy down the interest rate of your loan
-
Down payment assistance available
