Unlocking Carbon-Cutting Upgrades Through Green Refinancing and Mortgages

Green Mortgages Help Home Buyers Improve Energy Efficiency

Like you, we started with a dream. And that dream led us to help as many people as we can upgrade their home to make it green and more energy efficient.

Luckily for all of us, there is an awesome financial tool to do this: Green Mortgages. Both new and existing homeowners with mortgages can finance home energy upgrades over the life of their mortgage.

We care about this deeply, and here’s why: Wasted energy from homes is the top collective contributor to carbon emissions. Yes, more than vehicles! But there’s good news. It’s largely within our individual power to fix now.

Think of a Green Mortgage like buying an electric vehicle, but with even bigger impact. You're financing your future and living your values, and it's available to you as a solution RIGHT NOW. But unlike a car, your house is producing and potentially wasting energy 24/7.

Green Refinancing With Home Improvement Loans in Wisconsin

Home Buyers

For people in the market for a home, an energy-efficient new Green Mortgage is an awesome tool to bundle in energy upgrades. Getting pre-approved with a mortgage lender is the first stop on the journey.

This is exactly what Green Homeowners United co-founders Kevin and Sadie did with their 1956 West Allis home they purchased in 2019. Soon after they moved in, a grid of 17 solar panels was installed, their attic was insulted, along with a new electric water heater that would use their new solar generated energy. The cost was fully bundled into their mortgage, and the energy savings give them in a net positive.

Green Homeowners United helps you through every step of the process, starting with working closely with the financial institution of your choice. Once you've found your new home, we conduct an Energy Assessment of the home (around the same time as your inspection). Then we make a plan with you for upgrades that make sense and leverage rebates and tax benefits of the Inflation Reduction Act. We coordinate the various installers and contractors so that when you've closed, we can come in and upgrade your new home!

If you're looking for a Green Realtor, we have several phenomenal ones we can recommend. Please click here for a full list!

Existing Homes With Mortgages

Green Mortgages aren't just for when you buy a home. If you still have a mortgage on your home you can convert to a Green Mortgage and bundle in your energy efficiency updates.

Think of it as a Green Refinance to your mortgage. The process works similarly, but you get to upgrade the home you live in now! We guide you and work with your Green Mortgage lender (ask us for a list of banks/credit unions!)

We start with an Energy Assessment of your home to pinpoint scientifically where energy is being lost and wasted. We work with you to determine what upgrades will save the most energy. Then, we work with your financial institution to create a plan for your Green Mortgage.

If a Green Mortgage isn't the route you want to go, there are also some great financial options for upgrading your home. Remember: We aren't a financing company; we are here to guide you through the process to make it easy for you to live your values.

Your Global Impact Starts at Home

Like many of you, we believe that far more needs to be done to cut carbon emissions, and residential energy efficiency is a huge opportunity within your reach. That’s why we help every-day Americans like you to take advantage of this huge opportunity! Between new inventions, techniques and rising bills, just about every homeowner could improve their efficiency and save money on utility bills (electric, gas and water) in the process.

According to climate experts, it is also the #1 way to cut carbon emissions of all the things that society can do (even more than make every car on the road electric!). We believe that everyone can fight climate change at home and can be rewarded for doing the right thing, with lower bills than before. That is why we specialize in making it possible for all people to access the means of doing the right thing by the planet and their pocketbook.

Green Mortgage Lenders

Green Realtors

Prospective home buyers: If you're in the market for a phenomenal real estate broker who understands the Green Mortgage process, we highly recommend these Green Realtors:

Mark Voss of Latitude Regenerative Realty

We're happy to work with any realtor, and we are always looking for realtor partners throughout Wisconsin. If you are or know of a realtor we should connect with, please send us a message here!

Green Homeowners United works with mortgage lenders who offer types of green mortgages. The following are a list of lenders we have confirmed offer at least one type of green mortgage. Contact us to learn who at each institution to contact, what type of green mortgage they offer and what their rules are:

  • Associated Bank – available throughout the Midwest

  • GreenPenny – available in Wisconsin, Iowa, Illinois, Minnesota and Missouri

  • Merchants Bank – available throughout the Midwest

  • New American Funding – available in all 50 states

  • One Community Bank – available in Wisconsin

  • Prime Lending – available in all 50 states

  • TriCity National Bank – available in Wisconsin

And more! If you think your lender does, or could, offer a type of green mortgage, please contact us