Unlocking Carbon-Cutting Upgrades Through Green Refinancing and Mortgages

Finance Energy-Efficient Home Upgrades with a Green Mortgage

Looking to make your home more energy efficient? Green Mortgages and Green Refinancing give homeowners and homebuyers in Wisconsin the opportunity to bundle energy-saving upgrades directly into their mortgage, helping you reduce utility bills, cut carbon emissions, and boost comfort at home.

At Green Homeowners United, we believe energy efficiency should be accessible to everyone. That’s why we help homeowners unlock powerful financing tools to go green, starting with Green Mortgages.

What is a Green Mortgage?

A Green Mortgage is a loan that allows homeowners to finance energy-efficient upgrades like insulation, air sealing, solar panels, high-efficiency HVAC systems, or electric water heaters as part of their home mortgage.

Both new and existing homeowners with mortgages can take advantage of this option to make meaningful carbon-cutting upgrades to their homes.

Think of it like buying an electric vehicle, but with a bigger, round-the-clock impact. Unlike a car, your home uses (and often wastes) energy 24/7. A Green Mortgage helps fix that.

Green Mortgages for Homebuyers

Green Homeowners United co-founders Kevin and Sadie with their 1956 West Allis home they purchased in 2019.

If you’re in the market for a new home, a Green Mortgage for homebuyers lets you include energy upgrades as part of your mortgage right from the start.

We guide you through:

Working with a lender that offers Green Mortgages
Energy Assessments scheduled alongside your home inspection
Planning smart, cost-saving upgrades using rebates and tax incentives from the Inflation Reduction Act
Coordinating contractors and installation—ready to go right after closing

Real story: Green Homeowners United co-founders, Kevin and Sadie, bought their West Allis home in 2019 and bundled solar panels, attic insulation, and an electric water heater into their mortgage. They now enjoy lower bills and a net-positive energy footprint.

Looking for a Green Realtor? Click here for our recommended partners!

Green Refinancing for Current Homeowners

Already own a home with a mortgage? You may be eligible for a Green Refinance, allowing you to update your existing mortgage while financing energy-efficiency improvements.

We help you:

Assess your home’s energy performance
Identify high-impact upgrades like insulation, air sealing, and HVAC upgrades
Work with Wisconsin Green Mortgage lenders to bundle improvements into your mortgage
Coordinate upgrades for maximum comfort, savings, and carbon reduction

We’re not a lender but we work directly with your bank or credit union to make the process simple and stress-free. Need a lender referral? Just ask!

Your Global Impact Starts at Home

Residential energy use is the #1 contributor to carbon emissions in the U.S.—even more than vehicles. But here’s the good news: It’s a solvable problem.

Improving home efficiency:

Lowers electric, gas, and water bills
Reduces carbon emissions
Increases comfort and safety
Builds long-term home value

Every home can be part of the climate solution, and we’re here to help make that happen.

Green Mortgage Lenders in Wisconsin and Beyond

We work with lenders across Wisconsin and the Midwest who offer Green Mortgage options, including:

Associated Bank – Midwest
GreenPenny – WI, IA, IL, MN, MO
Merchants Bank – Midwest
New American Funding – Nationwide
One Community Bank – Wisconsin
Prime Lending – Nationwide
TriCity National Bank – Wisconsin

Have a different lender in mind?

We’re happy to help you find out if they offer a green mortgage program.

Get Started with a Green Mortgage Today

Whether you're buying a home or refinancing your current one, Green Homeowners United is your partner in making energy-saving upgrades affordable and stress-free. From coordinating assessments to working with your lender and contractors, we help you every step of the way.