GSFA Residential Energy Retrofit Program

Low Interest Rate Financing of Energy Efficiency Home Improvements

Is your house leaking energy and money? – Energy Upgrade

contractor fixing air conditioner
With the GSFA Residential Energy Retrofit Program, eligible homeowners can finance up to $50,000 in energy efficiency measures with a 6.5% fixed interest rate 15-year fully amortizing loan(1).

  • 100% financing is available.
  • No income limits apply.
  • No equity requirements on the property.

Thinking about replacing that noisy, inefficient or broken air conditioner? Or maybe your walls and attic need better insulation? Maybe you would like to have dual pane windows and a solar water heater installed? There are a multitude of Eligible Measures to choose from. Find out if now is the right time for you to energy upgrade.

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GSFA Participating Contractors

Our Participating Contractors are trained in energy efficiency home performance analysis and installation practices.

When you are ready, one of our contractors will thoroughly evaluate your home, let you know which measures will make the biggest impact to lower your energy use and help you complete the GSFA loan application for your proposed project.

Additional Utility Rebates

Energy Upgrade California Home Upgrade logo

Additional rebates up to $5,500 may also be available through your local utility providers as part of Energy Upgrade California® Home Upgrade, depending on the work completed.

Ask your Participating Contractor for more information about Energy Upgrade California Home Upgrade Program incentives that can be combined with the GSFA Residential Energy Retrofit Program.



(1) Certain properties may not be eligible (such as mobile or manufactured homes). Other guidelines may apply. The monthly payment on a $10,000, 15-year fixed-rate loan at 6.50% interest is $87.11 (APR 7.365%). The monthly payment on a $20,000, 15-year fixed-rate loan at 6.50% interest is $174.22 (APR 6.924%). Rate is subject to change at any time. Contact GSFA for a referral to one of the Participating Contractors for this Program to obtain complete program guidelines and a loan application.

The GSFA Residential Energy Retrofit Program is sponsored by Golden State Finance Authority (GSFA), a California Joint Powers Authority. Funding for this program is made possible through financing from Five Star Bank and may be supported in part by funds from PG&E.

Energy Upgrade California® Home Upgrade provides assistance and incentives for home improvement projects that can reduce energy use and make homes more comfortable. This statewide program is managed locally by utilities and regional energy networks and directed by the California Public Utilities Commission in collaboration with the California Energy Commission. Funding comes from utility customers under the auspices of the California Public Utilities Commission. Incentives are offered on a first-come, first-served basis and are effective until funding is expended or the program is discontinued. Programs may be modified or terminated without prior notice. ©2014 Energy Upgrade California. Trademarks are property of their respective owners. All rights reserved.


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