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Hero Program


HERO financing is offered at the discretion of municipalities, with the goal of increasing the
number of energy-efficient products that are installed in homes, like “Cool Roofs”. With every project installed, our aim is to help communities lower their energy usage, reduce their carbon footprint, and create a more energy-efficient future.

  • The HERO Program, Home Energy Renovation Opportunity through Renovate America, is the smart alternative to traditional home improvement financing.
  • HERO financing makes energy-efficient home improvements, like a new “Cool Roof”, a reality.
  • Renovate America offers competitive, fixed rates with no money down.
  • Renovate America works with contractors who agree not to be paid until you sign off that the project has been completed to your satisfaction.

HERO financing from Renovate America is the nation’s largest PACE (Property Assessed Clean
Energy) financing provider. It provides homeowners access to innovative financing for energy-
efficient, water-conserving and renewable energy projects.

Home improvements, which can help lower your utility bills, and may increase your property value.

Approvals are primarily based on the equity in your home and debt payment history rather than your credit score, and the interest on your payments may be tax deductible.*

  • No money down
  • 100% financing, up to approved amount
  • Not primarily based on credit score
  • Fast approvals
  • Interest may be tax deductible
  • Flexible term lengths
  • Competitive, fixed interest rates
  • Paid along with your property taxes
  • Only available in California
  • *Please contact your tax advisor to determine if you may be eligible for tax benefits

Flexible financing for almost any home improvement.

  • From $2,000 to $50,000
  • No money down
  • Flexible term lengths and fixed rates
  • No interest, no payment special financing plans

*No payments are required during the promotional period following project
completion. Thereafter, substantially equal monthly payments are required
for the remainder of the financing term until the unpaid balance of the
amount financed is paid in full. Interest will accrue during the promotional
period, but will be waived if the amount financed is paid in full prior to the
expiration of the promotional period.