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