Cowles and Company Contracting

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New York Energy Smart Residential Loan Fund

Energy Smart Loans are offered through a network of Participating Residential Loan Fund Lenders servicing New York State.

The following conditions apply:
Loans up to $25,000 may be obtained on a secured or unsecured basis, at the option of the Lender and the Borrower.

Your interest rate is 3.49% or up to 3.99%, for a term up to fifteen (15) years.

Procedures and conditions may vary by Participating Lender, and by loan.

Eligible Improvements for 1-4 Family Homes are those Eligible Measures and Accessories that have been determined by NYSERDA to meet the Home Performance with ENERGY STAR® Program guidelines.

For more information, please contact a Home Performance Contractor servicing your county.

Homeowner Financing Incentive

If you choose not to use either ENERGY STAR Financing or the New York Energy Smart Loan Fund, you may be eligible to receive 10% of the cost of eligible energy efficiency improvements, up to a maximum incentive of $3,000, directly from the program.

Payment is authorized after you sign the Certificate of Completion and the program implementer reviews the project.

Assisted Home Performance with ENERGY STAR offers two incentives for eligible New York home owners:

(1) a subsidy for up to 50% of the total cost of the approved efficiency improvements (“Assisted Subsidy”) in a 1-4 family home;

(2) low interest rate financing for the balance of the cost of the efficiency improvements through selected Lenders (“financing”).

Eligible New Yorkers include borrowers in 1-4 family homes that have household incomes at or below 80% of the State Median or Area Median Income (whichever is greater).

Low-interest ENERGY STAR Financing is offered through the Home Performance with ENERGY STAR program.

Your contractor can supply you with the current interest rate.The following conditions apply:

This is an unsecured loan, not a second mortgage or equity loan.
The limit on the loan is $25,000.

You can select a term of up to 15 years.

Financing is available to owner-occupied 1- or 2-family homes.

Payment is made directly to the contractor after a signed Certificate of Completion is received by the program on a work scope. The work scope must also have been reviewed and approved by the program implementer.