By partnering with local governments, we've made energy and water efficiency upgrades more affordable for homeowners like you.
  • Up to 25-year terms
  • Borrow up to 15% of home's value
  • Competitive, fixed rates
Financing as Easy as...
  1. Apply online in minutes, with fast approvals
  2. Choose your terms and sign your financing documents
  3. Make payments with your property taxes
PACE Makes it Possible
We provide Property Assessed Clean Energy (PACE), a local community program that enables financing of energy-efficient and water-saving home upgrades to be repaid along with your property tax bill.

Property Tax Assessment

HERO payments are made through a line item on your property tax bill.

Terms Up to 25 Years

HERO offers flexible repayment terms of 5-25 years.

Based on Equity

Approval is primarily based on your home equity and debt payment history.

No Upfront Costs

We finance the total cost of your project, including all fees and labor costs.

Potential Tax Benefits

The interest on HERO payments may be tax deductible.

Phia & Bryan upgraded their A/C just in time for summer.

Projects That Save

Whether you want to reduce your carbon footprint, water usage or utility bills, HERO helps make it happen. There are over one million eligible products geared towards helping you save.

  • Solar systems
  • Artificial turf
  • Central air
  • Doors & windows
  • Roofs
  • Drought tolerant landscaping
Explore Eligible Projects ›

Find the right contractor, right away.

Finding the right contractor is no small task, so we make the search easy for you. We have a network of experienced local contractors to choose from, all of whom:

  • Maintain good standing with HERO
  • Adhere to our consumer safeguards
  • Are paid only after you sign off on the project
Find a Contractor ›

Unmatched Consumer Safeguards


Starting Your HERO Project

Market Value Pricing

Pricing Review

We review your quote to verify that it does not exceed the maximum financing amounts set for that project.

Contractor Promise

Contractor Promise

Every contractor registered with HERO has agreed to follow our industry-leading consumer safeguards.


Your HERO Project

Permit Requirements

Permit Requirements

We require all necessary permits are obtained for your project so that regulations are followed.

Certified Products

Certified Products

Installed products are required to meet local, state, and federal efficiency or performance standards.


Your HERO Project is Complete

Final Say Guarantee

Final Say Guarantee

We only work with contractors who have agreed to be paid only after you sign off that the project is complete.

Ongoing Support

Ongoing Support

If you have any questions or issues at any point of your project, we’re here to help.