Financing

IncentivesThe experts at ZERODRAFT understand that different people have different budgets. We pride ourselves on working with our customers to provide affordable comfort. Take a look below to see which source of financing fits your needs and budget:

Home Performance with ENERGY STAR® 

What is it?

Home Performance with ENERGY STAR® is a consumer-funded program to assist eligible homeowners with covering the cost of energy saving improvements in their homes. All improved measures must be submitted through a certified Building Performance Institute (BPI) contractor, like ZERODRAFT, to verify their potential for energy savings and ensure they are safe in the home.

How do I know if I am eligible?

While the eligibility changes with the specific incentive, the primary need is for you to be a customer of one of the following utility companies:   (National fuel is applicable for eligible customers)

  • National Grid
  • NYSEG
  • Rochester G & E
  • Orange & Rockland
  • Central Hudson G & E
  • Consolidated Edison

What financing/loan incentives are offered?

There are two major financing/loan incentives offered to residential customers.

  1. Green Jobs Green NY Loan

    This is an unsecured loan through Energy Finance Solutions at a fixed interest rate of 3.49% or 3.99%. The loan is for eligible customers with no bankruptcies over the past 7 years with satisfactory credit. The loan has terms of 5,10, or 15 years and can be as large as $25,000; certain restrictions apply. To see exactly what your payments could be, take advantage of the Energy Finance Solutions loan calculator.

    Download the Green Jobs Green NY Loan application
  2. New York Energy $martSM Loan Fund

    The NY Energy $martSM Loan Fund is a simple, low-cost way to finance energy efficient and renewable technology projects for individual use. The program provides an interest rate reduction off of a participating lender/lessor’s normal interest rate for a term up to 10 years. The interest rate reduction for most of the state is up to 4% (400 basis points). These loans may be unsecured for up to $20,000. To locate a participating lender in your area, use the NYSERDA locator map. Procedures and conditions may vary by participating lender and by loan.

Eligible Improvements for 1-4 Family Homes, per NYSERDA, are:

  1. Eligible Measures and Accessories that have been determined by NYSERDA to meet the Home Performance with ENERGY STAR® Program guidelines.

  2. The purchase of ENERGY STAR® Appliances.

  3. The purchase and installation of grid-connected wind turbine systems by a NYSERDA- eligible installer.

For more information, please visit www.nyserda.ny.gov or www.ENERGYSTAR.gov.

Download the
Customer Information Form (Required for both Energy loans)
Download the
Loan Application(Required for the ENERGY STAR® loan)