Lower the cost of your next big home improvement.

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Hundreds of possibilities

There are many qualified home improvements you can make. Depending on where you live, just about anything that improves your home’s efficiency, conserves energy, saves water or provides seismic or storm/wind protection is eligible.


How it works

We walk you through each step from start to finish.


Get Started Now!

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The smart alternative to traditional credit-based financing



Get all your qualifying projects done at once

Stop worrying about which home improvements to take on first.  Now you can bundle new efficient windows, insulation, and a cool roof into one project.


No upfront payment

Upfront payments are the #1 barrier to moving forward on home improvements – especially those that cut energy usage.  


Fixed terms up to 30 years

No balloon payments. No funny business with fees.
Just one competitive rate locked in for the long haul.
Make payments through your property tax bill.


Energy savings may pay for the improvements

You can control how much you save.  Whether it’s windows and insulation for efficiency or adding solar to the mix, we find the right balance for you and your home. And your pocketbook, of course.


Payments may stay with the property

If you sell your home, your payments may transfer to the new owner, just like your property taxes—so you only pay for improvements while you use them.*


Eligibility based on property equity

Ygrene financing isn’t considered personal debt. Eligibility is based on property equity, among other factors. There’s no reason to take on debt for home improvements anymore. (Your credit report will be requested during the application process).

*Some lenders may require full repayment upon sale or refinance.

Service Areas

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Want Ygrene in your community? Let us know

Find A Local Certified Contractor

Ygrene offers home improvement financing for up to 20 years with low fixed interest rates and no money down

Ygrene has trained and certified contractors in your area. A Ygrene Certified contractor
is your shortcut to getting your project funded and finished fast.

Find A Contractor

Don’t take our word for it…


“Ygrene helped us every step of the way,
it couldn’t have been easier. I highly recommend them.”
– Johnston Family, Coral Gables, FL


“Not only is our home upgraded, we
are helping our community, it’s a win-win.”
– Jackson Family, Citrus Heights, CA


“We made improvements to our home
that we never thought were possible.”
– Peterson Family, Elk Grove, CA


We’ll send that right over

Just let us know who you are and we’ll email you a more detailed list of some of the many improvements that qualify for financing.


Bring Ygrene to Your Community!

Ygrene is actively working with your city council to get Property Assessed Clean Energy (P.A.C.E) financing approval. Enter your information below and you will be contacted once P.A.C.E is approved by your local government.

"We accepted Ygrene's offer for home improvement financing and it was by far the best thing we have ever done. Immediately the first month, we realized a $150 savings in our utility costs. I am still doing "hand springs" over Ygrene!"

Mr. and Mrs. Perry Clark, Sacramento, CA

"Living in this hurricane prone region makes home insurance expensive. Ygrene’s financing made protecting our home with new impact windows and doors and a new roof affordable. Now our house is protected and we are saving $3,700 in insurance premiums every year. On top of that, our energy bills went down $100 every month since we changed our AC. With all of this, our improvements are paying for themselves! Thank you Ygrene for making this possible and easy."

Residential property owner Paul Cameau