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Home Improvement Financing

HERO financing is built for energy-efficient home improvements.

See if your home is eligible

Check your eligibility, commitment free.

Watch to see how HERO financing works.

find a contractor

Find a contractor, and get your project started.

I’m looking for a contractor that does:
  • Any Project Type
  • Heating & Cooling
  • Roofing
  • Windows & Doors
  • Solar
  • Remodeling
  • Landscaping
  • Plumbing & Water Heating
  • Pool Equipment
  • Insulation
  • Hurricane Protection
  • Lighting & Fans
  • Electrical Vehicle Charging Station
  • Advanced Energy Storage
  • Wind Energy
  • Fuel Cell
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REASON #1 HOMEOWNERS CHOOSE HERO FINANCING.

Competitive rates.

HERO financing rates compare favorably to other home improvement payment options. Rates are fixed, and there’s no money down.
REASON #2 HOMEOWNERS CHOOSE HERO FINANCING.

Approval that considers home equity.

Unlike most financing options, HERO approvals are primarily based on home equity, household income, product eligibility, and debt payment history, rather than credit score.
REASON #3 HOMEOWNERS CHOOSE HERO FINANCING.

Potential tax benefits.

HERO financing is repaid through an additional line item on your property taxes. The interest on these payments may be tax deductible.*

*Please consult your tax advisor to determine if you may be eligible for tax benefits.
REASON #4 HOMEOWNERS CHOOSE HERO FINANCING.

You get the final say.

We only work with contractors who have agreed not to be paid until the homeowner signs off that the project has been completed.
REASON #5 HOMEOWNERS CHOOSE HERO FINANCING.

HERO is a leading PACE provider.

The HERO program is made possible through PACE legislation, which enables more homeowners to access financing for energy and water-saving home improvements.
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Join the 130,000+ homeowners who are making an impact.

60 billion kWh of electricity reduced.
Our customers are estimated to save enough electricity to power over a million homes for a year.

$11.09 billion in energy bill
savings.
Projected over the lifetime of the upgrades. That’s enough money to buy an NFL team.

40 billion gallons of water reduced.
That’s enough drinking water for every person on Earth for a day– with enough left over to fill over 4,000 Olympic-size swimming pools.

Check your eligibility

*Forecasts represent best estimates of growth based on historical program data. Amount spent on home improvements, as well as energy savings accrued by those upgrades, are estimates based on third-party calculation models and other technical references from reputable sources, including US DOE, US EPA, and the California Public Utilities Commission. Actual results may vary and are not guaranteed.
Check your eligibility, commitment free.

Personal Energy Finance, Inc. d/b/a Renovate America Financing | NMLS #1431485 NMLS Consumer Access | Loans made or arranged pursuant to a California Finance Lenders Law License #60DBO-36394 | Rhode Island Licensed Lender. Benji© refers to lending products for home improvement needs and services. Renovate America Financing is a wholly-owned subsidiary of Renovate America, Inc. Renovate America, Inc. and Renovate America Financing, are private lenders and are not affiliated with any home improvement contractors.