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

Driving sustainability forward

one home mortgage at a time.  

Joule is a dedicated Sustainable Mortgage Provider.

We roll sustainable home energy upgrades into your mortgage with a home purchase or refinance. 

How it works

PRE-APPROVAL

Complete an online application and get pre-approved for a Sustainable Mortgage loan. 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, expedited loan processing and no lender fees.

PURCHASE OR REFINANCE

Work with a dedicated home energy advisor to complete your whole-home upgrade. Live in an energy-efficient home that is more comfortable and better for our planet. 

WHOLE-HOME UPGRADE

 

Whole-home Sustainable Upgrades

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BASIC PACKAGE:

INSULATION & AIR SEALING

SMART THERMOSTAT

TRIPLE PANE WINDOWS

ELECTRIC HEATING & COOLING

HIGH EFFICIENCY HEAT PUMP

ELECTRIC WATER HEATING

HIGH EFFICIENCY HEAT PUMP

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EV CHARGING STATION

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LED LIGHTING

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ENERGY STAR

APPLIANCES

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LOW-FLOW WATER

FIXTURES

ADD-ONS

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SOLAR PV

PANELS

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BATTERY

STORAGE

SOLAR

WATER HEATER

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REMEDIATION

(LEAD, ASBESTOS, MOLD)

Mortgage Comparison

CONVENTIONAL

20 %

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Principal & Interest

$   2,056

Property taxes

Homeowners Insurance

HOA fees

Utilities

JOULE

19 %

1 %

1
 

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CARBON SAVINGS

ENERGY SAVINGS

85%

60%

Principal & Interest

$   2,171

Property taxes

Homeowners Insurance

HOA fees

Utilities

Why roll sustainable home upgrades into your home mortgage?

  • Claim tax incentives. Pocket federal, state and local rebates and incentives for energy reducing and electrification upgrades.

  • Qualify for a lower rate. We offer a special .5% lender credit to lower your interest rate for Sustainable Mortgages. 

  • Tax deduction. Adding energy reducing and electrification upgrades to your home mortgage may make it tax deductible. 

Why reduce energy and emissions from your home?

90% of U.S. homes require energy upgrades. 

Homes produce 20% of U.S. greenhouse gas emissions. 

 Heating your home and water, cooking and drying clothes are the fourth largest emitter of greenhouse gas in the U.S.  

How to qualify

Buy your new home and make an impact on the world.