
Convert your
home to electric,
smart, and
renewably powered.
Finance sustainable home upgrades through
a home purchase or refinance mortgage loan.
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.
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
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.
Joule homes are smart, electric and renewably powered.


Bundled Solution:
SMART THERMOSTAT
ELECTRIC WATER HEATING
HIGH EFFICIENCY HEAT PUMP

EV CHARGING STATION

SOLAR PV PANELS

BATTERY STORAGE
ELECTRIC HEATING & COOLING
HIGH EFFICIENCY HEAT PUMP


Example: Mortgage Comparison for a Home Purchase Loan
Conventional Loan
20 %
Principal & Interest
$ 2,056
Property taxes
Homeowners Insurance
HOA fees
Utilities
Joule Loan
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
-
Up to 75% of post-renovation home value added to loan amount
-
Down payment assistance available