How it works

get

prequalified

digital mortgage

experience

WHOLE-HOME

UPGRADE

Complete an online application and get pre-qualified for a Sustainable Mortgage. Speak with a certified loan specialist today.

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Close quickly on the 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

Joule homes are smart, electric and renewably powered. 

Example: Mortgage Comparison for a Home Purchase Loan

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.

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• 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%.

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• 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.

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Loan Features

• No draws

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• Up to 1-year for project completion

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• Up to 75% of post-renovation home value added to loan amount​

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• Down payment assistance available

Live sustainably,

while saving money and.

protecting our planet.