Eco Home Renovation Loans
Upgrade to a more sustainable home.
Unlock your home’s energy-efficiency potential.
Create a more comfortable, functional, and sustainable home while helping reduce energy use and lower utility costs over time.
Updated Heating & Cooling Systems
Smart Appliances
Solar Panels & Cool Roofs
Energy Efficient Windows
And much more…
Which financing option is right for you?
Improve your home’s energy efficiency with upgrades like installing new windows, sealing leaky ducts, or updating to an efficient heating and cooling system.
Developed by the State of California to help residents finance energy improvements, a GoGreen Loan from First U.S. might be the right fit for your needs.
- Unsecured Loan amounts up to $50,000 for most projects and up to $75,000 for solar + battery
- Terms up to 15 years
- Approval within 24 hours
Eligible Improvements:
- Energy Efficient Appliances
- Cool Roofs
- Heating & Cooling Systems
- Home Insulation
- Lighting Fixtures
- Water Heaters
- Energy Efficient Windows & Doors
Qualifications
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- 70% of the loan must be eligible for Energy Efficiency Measures (EEEMs) approved by the State of California, such as heating and cooling, insulation, air sealing, lighting, or dual pane windows. See what’s eligible.
- The remaining 30% of the loan can finance other efficient home improvements
- Your contractor must be listed as a GoGreen Home Financing Participating Contractor as of the project start date. Find a contractor.
- Property must receive gas and/or electric services from Pacific Gas & Electric, San Diego Gas & Electric, Southern California Gas, or Southern California Edison.
Finance your eco-friendly upgrades with more flexibility and project options. No utility provider limitations.
- Up to $25,000 unsecured & 100% financing
- Up to $50,000 secured & up to 95% financing
- Terms up to 20 years
- Improvements must be professionally installed and loan proceeds will be dispersed directly to the contractor on completion
Eligible improvements:
- Roofs, Cool Roofs
- Dual Pane Windows
- Home Insulation
- Electric Water Heaters
- Heat Pumps
- Whole House Fans
- EV Charging Stations
- Solar Panels
- Solar Batteries
- Exterior Painting
- Landscaping
Our most flexible option for all types of home improvement as well as other goals, a HELOC is a convenient line of credit you can re-use over a long-term period.
- Rates as low as 4.75% APR1 for 6 months, then (Prime + 0%)
- Fund home improvement projects, consolidate debt, pay college tuition, and more!
- Larger amounts with longer terms
Check our rates.
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Term |
APR* as low as |
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*Annual Percentage Rates (APRs), terms, offers effective 04/05/2026 and subject to change. Income, credit and other criteria will determine actual APR, which may be higher. Payment example: 60 monthly payments of $19.34 per $1,000 borrowed. 181+ months financing only available for $35k+ solar/battery projects. eStatements are required, or a statement fee may apply. Cannot be used to refinance an existing First U.S. loan. Pacific Gas and Electric Company (PG&E®), San Diego Gas & Electric Company (SDG&E®), Southern California Edison Company (SCE®) and Southern California Gas Company (SoCalGas®) are not making an offer to lend and have no role in reviewing or approving your financing application. First U.S. does not endorse or encourage the product or services of participating contractors. |
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Term 1-36 months |
APR* as low as 5.49% |
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Term 37-60 months |
APR* as low as 5.99% |
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Term 61-120 months |
APR* as low as 6.99% |
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Term 121-180 months |
APR* as low as 7.99% |
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Term 181-240 months |
APR* as low as 8.24% |
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Term (Secured) |
APR* as low as |
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*Annual Percentage Rates (APRs), terms, offers effective 04/05/2026 and subject to change. Income, credit, and other criteria will determine actual APR, which may be higher. Owner-occupied improvements in California only. Loans for up to $25,000 can be unsecured. For Unsecured Loans, add 2% to APR. For loan amounts over $25,000, financing available up to 95% CLTV. A $699 processing fee applies for secured loans that can be added to loan balance or paid separately. Restrictions apply. Payment example: 60 monthly payments of $19.80 per $1,000 borrowed. Cannot be used to refinance an existing First U.S. loan. |
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Term (Secured) 1-60months |
APR* as low as 6.99% |
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*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Your actual rate may vary based on your credit history and CLTV. HELOC: Variable rate based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 7.00%). Min APR 3.25%. Max APR 15.00%. $499 early closure fee for 2nd trust deeds or $799 for 1st trust deeds, waived if the account is open for 3 years. Certain restrictions apply. Appraisal fee may be required. Owner-occupied, CA properties only. $400,000 maximum loan amount. Not available for purchases. Payment example, 6 monthly payments of $6.47 for each $1,000 borrowed, followed by 234 monthly payments of $7.75 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result. For Non-Owner Occupied HELOC: Prime Rate + 2.00% (currently 9.00%). Minimum APR 3.25%. Maximum CLTV 75%. $799 opening fee (waived if account is open for 3 years). Up-front, borrower-paid appraisal required. $100,000 maximum loan amount. |
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4.75% APR* for 6 months, then As low as 6.75% up to 80% LTV (Prime + 0%) |
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As low as 8.00% APR up to 90% LTV (Prime + 1.25%) |
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As low as 8.25% ARP up to 100% LTV (Prime + 1.50%) |
Don J.The contractor and First US Community Credit Union team were professional, knowledgeable, and easy to work with. They guided us through the GoGreen loan process every step of the way. Thank you!
GoGreen Home Financing FAQs
GoGreen loan amounts range from $2,500 to $50,000, or up to $75,000 if financing solar plus battery.
The program offers a wide range of eligible energy efficient measures, including heating and cooling, multi-pane windows, insulation, appliances, cool roofs and solar plus battery bundles. Visit gogreenfinancing.com for more information.
There are several requirements, including:
- The residence must have service from a California investor-owned utility (IOU). If financing a cool roof or solar plus battery, the IOU service must be for electricity.
- Contractor work must be performed by a contractor that is enrolled in the program. Contractors may become enrolled in the program by visiting the gogreenfinancing.com website.
- Projects must be approved for eligibility prior to commencing.
- First US loans are for residential improvements only.
No. GoGreen Loans are unsecured.