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
BASIC PACKAGE:
INSULATION & AIR SEALING
SMART THERMOSTAT
TRIPLE PANE WINDOWS
ELECTRIC HEATING & COOLING
HIGH EFFICIENCY HEAT PUMP
ELECTRIC WATER HEATING
HIGH EFFICIENCY HEAT PUMP
EV CHARGING STATION
LED LIGHTING
ENERGY STAR
APPLIANCES
LOW-FLOW WATER
FIXTURES
ADD-ONS
SOLAR PV
PANELS
BATTERY
STORAGE
SOLAR
WATER HEATER
REMEDIATION
(LEAD, ASBESTOS, MOLD)
Mortgage Comparison
CONVENTIONAL
20 %
Principal & Interest
$ 2,056
Property taxes
Homeowners Insurance
HOA fees
Utilities
JOULE
19 %
1 %
1
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?
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Claim tax incentives. Pocket federal, state and local rebates and incentives for energy reducing and electrification upgrades.
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Qualify for a lower rate. We offer a special .5% lender credit to lower your interest rate for Sustainable Mortgages.
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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.