Beautiful exterior of newly built luxury home. Yard with green grass and walkway lead to o

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

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ELECTRIFICATION PACKAGE:

SMART THERMOSTAT

ELECTRIC WATER HEATING

HIGH EFFICIENCY HEAT PUMP

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EV CHARGING STATION

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SOLAR PV PANELS

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BATTERY STORAGE

ELECTRIC HEATING & COOLING

HIGH EFFICIENCY HEAT PUMP

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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

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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

Save money.

Live comfortably.

Protect the planet. 

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Contact Us

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