Smart Energy Loan/On-Bill Recovery Loan

There are low interest loans available through Energy Finance Solutions (EFS) if you are eligible as well. Final rates are determined once a project scope is submitted and approved. You aren't locked in until 5 business days after your signed loan documents are submitted. You can open the PDF version of the application below to fill out, print, and sign. You can mail, e-mail, or fax the completed application to us with all of the required documentation. If you have questions about what you need to include, please contact us.

Incentives

Through the State of New York, we are able to offer our customers these great incentives. Please keep in mind that the approvals for these programs are income-based. If you have already been served by these programs at your current residence, you cannot be served again there. These programs are provided by the New York State Energy and Research Development Authority (NYSERDA).


EmPower New York
EmPower New York is a completely free program that allows us to make your home more energy efficient by supplying insulation, air sealing, LED light bulbs (up to 16), CO/smoke detectors, thermostats, and sometimes even refrigerator or freezer replacements. To find out if your household is eligible, please refer to the income guidelines here. You can open the PDF version below to fill out, print, and sign. You can mail, e-mail, or fax the completed application to us with all of the required documentation. If you have questions about what you need to include, please contact.

Assisted Home Performance with Energy Star (AHPwES/Subsidy)
Assisted Home Performance with Energy Star is a matching funds program through Energy Finance Solutions (EFS) that we typically use when someone needs a new heating system, however you can also use it for other energy upgrades if you choose. This program is able to cover half of your project cost up to $4,000. To view the income guidelines, please visit this page and select your county.


Examples: If you have an $8,000 project, the subsidy would cover $4,000, and you would be required to pay the rest out of pocket, by loan, or with another source of funding. If your project cost is $6,000, the subsidy would cover $3,000 and the rest would be up to you to cover, as mentioned previously.


You can open the PDF version of the application below to fill out, print, and sign. You can mail, e-mail, or fax the completed application to us with all of the required documentation. If you have questions about what you need to include, please contact us.

Home Energy Assessment
A home energy assessment is the first step in utilizing the programs that New York State has to offer. Receiving an assessment means that you can get a better idea of what programs to apply for or where you'd like to invest your money the most. If you would like to apply, please visit the application page here. If you would prefer to print the application and mail it to us, you can access the PDF version below.

Cowles & Company Contracting

523 New York Avenue

Watertown, NY 13601


Phone: 315-788-2970 | Fax: 315-788-7752