Homeownership
Earth Day: Energy-Smart Home Improvements and How to Finance Them
Upgrades that can lower Arizona utility bills, and the financing options that can help pay for them.
In Arizona, cooling is a big part of the utility bill, so efficiency upgrades can make a real difference to monthly costs and comfort. The right financing lets you make them without draining your savings.
Upgrades worth pricing out
- A high-efficiency AC or heat pump system.
- Attic insulation and sealing duct leaks.
- Dual-pane, low-E windows and shade screens.
- Solar, especially when paired with the right utility plan. Owned and leased systems are treated differently when you sell or refinance, so keep the paperwork handy.
Ways to pay for them
- A rehab loan can roll improvements into a purchase mortgage.
- A HELOC lets you draw funds as projects happen.
- A cash-out refinance can fund a larger project in one go.
Savings depend on your home, usage and utility plan, so get quotes from licensed contractors before you decide. When you're ready to look at financing, request a quote.
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This article is general information, not a commitment to lend. Programs, guidelines and terms vary by lender and can change; all loans are subject to credit approval and underwriting.
