Participants may finance qualified energy efficiency improvements using the Home Performance with ENERY STAR® Loan or New York Energy $mart Loan. Only work performed by a Building Performance Institute — Accredited Contractor participating in the Home Performance with ENERGY STAR Program will qaulify for program incentives. Participants can choose from the following financing options to pay for the cost of work. Participants may be eligible for additional incentives including the High Efficiency Measure Incentives (HEMI) or the Assisted Home Performance with ENERGY STAR subsidy (Assisted Subsidy).

Home Performance with ENERGY STAR

Apply now through Energy Finance Solutions and take advantage of low-interest loans through the Homer Performance with ENERGY STAR Program. Loans are available to participants in Home Performance with ENERGY STAR for the purchase and installation of recommended energy efficiency improvements that may be repaid through energy savings. Interest rates are subject to change without notice.

Features:

• Low-interest loans made available through the Green Jobs – Green New York* Act of 2009
• Loans of up to $25,000 per homeowner
• Select a loan repayment periods of 5, 10, or 15 years
• Projects must be cost-effective with a Savings to Investment Ratio of greater than 1.0
• Can combine with the High Efficiency Measure Incentives (HEMI) or Assisted Subsidy

Residential Loan Fund

Energy $mart Loans are offered through a network of Assited Home Performance Program Lenders. Contact information and the lending areas served by the Assisted Lenders may be found below:

Assisted Home Performance Program Lenders

Home HeadQuarters, Inc.

990 James Street, Suite 100 Syracuse, NY 13203
Contact: Kerry Quaglia
E-Mail: info@homehq.org
Phone: (315) 474-1939
Fax: (315) 474-0637
Lending Area includes: Broome, Cayuga, Cortland, Jefferson, Madison, Onondaga, Oswego, and St. Lawrence Counties

Ithaca Neighborhood Housing Services, Inc.

115 West Clinton Street Ithaca, NY 14850
Contact: Paul Mazzarella, Executive Director
E-Mail: pmazzarella@ithacanhs.org
Phone: (607) 277-4500
Fax: (607) 277-4536
Lending Area includes: The City of Ithaca and Tompkins County
Lending Restrictions: Owner Occupied

Neighborhood Housing Services of New York City Inc.

307 West 36th Street, 12th. Floor New York, NY 10018
Contact: Louis Kilkenny, Director of Lending and Program Services
E-Mail: louis_kilkenny@nhsnyc.org
Phone: (212) 519-2506
Fax: (212)727-8171
Lending Area includes: New York, Kings, Queens, Bronx, Richmond and Westchester Counties

Utica Neighborhood Housing Services, Inc.

1611 Genesee Street Utica, NY 13501
Contact: Julie Jalowiec, Homeownership Coordinator
E-Mail: jjalowiec@unhs.org
Phone: (315) 724-4197
Fax: (315) 724-1415
Lending Area includes: Herkimer, Madison and Oneida Counties
Lending Restrictions: Up to 120% HUD Median Income

The following conditions apply:

• Loans up to $20,000 may be obtained on a secured or unsecured basis, at the option of the Lender and the Borrower
• Your interest rate is brought down by up to 4.0% or 400 basis points, reduced as low as 3.0%
• Loan repayment period up to 10 years
• Procedures and conditions may vary by Lender, and by loan
• May be combined with Assisted Subsidy
• Cannot be combined with the High Efficiency Measure Incentives (HEMI)

High Efficiency Measure Incentives

To make energy efficiency even more affordable, you may be eligible to receive 10% of the cost of eligible energy efficiency improvements, up to a maximum incentive of $3,000. This incentive is available in conjunction with the Home Performance ENERGY STAR Loan, but cannot be combined with the Energy $mart Loan. Payment is authorized after you sign the Certificate of Completion and the Program Implementer reviews the project.

Additional incentives are available to income-qualified homeowners

Assisted Home Performance with ENERGY STAR provides an additional subsidy (Assisted Subsidy) to assist income-qualified customers to pay for cost-effective energy efficiency improvements. However, customers that receive the Assisted Subsidy are not eligible to receive the 10% High Efficiency Measure Incentive. The Assisted Subsidy payment is made directly to the contractor after you sign the Certificate of Completion.

* Financing, energy audits, and workforce development opportunities made available through the Green Jobs - Green NY Act of 2009.