GoGreen Home Energy Financing is the best financing we have found for a home energy project, and it is the one our customers use most.
It is a State of California-backed program. A credit enhancement from the state lets the lenders in the program offer lower rates, longer terms and larger loans, and say yes to more people than they otherwise could. You can borrow up to $50,000 for a home energy project. Greiner Heating, Air and Electric is an enrolled GoGreen Home contractor, so we meet the program’s contractor requirement.
We have been putting GoGreen Home loans together for our neighbors longer than almost anyone, and we are one of the largest GoGreen Home contractors in California. We helped build the program at Travis Credit Union, which served only Travis’s own region until about a year ago, and Travis has since made more GoGreen Home loans than any other lender in the state: 7,304 loans and $186.9 million through March 2026, by the program’s own count.
Why we like it
- No collateral and no lien on your home. It is an unsecured loan, not a second mortgage.
- No closing costs.
- 100% financing, so there is nothing to put down.
- Terms up to 15 years.
- Single family homes up to a fourplex, condos, townhomes, and mobile and manufactured homes on a fixed foundation.
- The home has to be served by one of the program’s utilities, and PG&E is on that list.
What you can finance with us
- Heat pumps, and high-efficiency heating and cooling
- Water heaters
- Insulation and duct work
The work has to be done by an enrolled GoGreen Home contractor, which is us. If you are not sure whether something on your list counts, ask us when we are out for the estimate.
The two lenders we work with
Both loans work much the same way, so take whichever one you like. We do all the paperwork, working directly with the lenders and GoGreen, so applying is easy.
San Francisco Federal Credit Union
San Francisco Federal Credit Union lends on GoGreen Home from $1,000 to $50,000, with terms up to 15 years.
What you get with their financing:
- Someone with you at every step. They work with you on your goals and your situation, not a form.
- Competitive, low fixed rates. The payment you start with is the payment you finish with, for the life of the loan.
- Fast approvals. You get a decision quickly, so you can move forward.
- Flexible terms. You choose the repayment that fits your budget.
- No prepayment penalties, ever. Pay it off early with no fees and no surprises.
The loan is issued by San Francisco Federal Credit Union. See their GoGreen page.
Apply online with San Francisco Federal Credit Union
Travis Credit Union
Travis Credit Union lends on GoGreen Home from $1,000 to $50,000, with terms up to 15 years.
What you get with their financing:
- The most GoGreen Home loans in California. More than any other lender in the program, through March 2026.
- No closing costs.
- No collateral. It is an unsecured loan, so there is no lien on your home.
- 100% financing. There is nothing to put down.
The loan is issued by Travis Credit Union.
Apply online with Travis Credit Union
Rates and terms are set by the lender and they change, so we do not print them here. You can see the current numbers, and which lenders are active in your area, on the GoGreen financing lender chart.
How it works
- We come out and design the job. You get a written estimate with the equipment and the price on it.
- You apply online. One application, with San Francisco Federal Credit Union or Travis Credit Union. We handle the rest with them.
- We install. Once you are approved, we get you on the schedule.
Other ways to pay
We also offer the Wells Fargo Home Projects plans. Those are a credit card program and they work differently, with their own terms. You can read the terms on our financing page.
Thinking about a new system? Ask us about GoGreen Home when we come out. We will tell you what the job costs first, and you can decide how you want to pay for it.