Author: Sonja O'Claire, Built Green Program Manager

Morning Keynote

Our morning keynote, Roger Ballentine, President of Green Strategies Inc encouraged us to keep doing the work we are doing. He shared insight into the transition to a greener economy and explained that the market will continue to change to value climate solutions. He reminded us of this simple yet powerful message, that despite backlash from professionals, politicians, and sometimes the public, that “The most durable, money-making, value-creating strategy is still at the overlap of profit, planet, and people.” With his words attendees set out for a day of learning from each other and working together to do exactly that.

Session Highlights and Takeaways

This year we had four session tracks, along with the concurrent Built Green Project Basics programming. Conference tracks included Adapting Policy, Code Academy, Innovative Approaches, and Decarbonizing Case Studies. There was too much content to share it all here, but we’ve curated some session highlights to give you a taste.

Washington State Representative Joe Fitzgibbon, Dave Osaki of WA Department of Commerce, and Ryan Donohue of Habitat for Humanity SKKC participated in an engaging panel discussion on the numerous land use updates that passed to support more Middle housing options for Washington residents. Rep. Fitzgibbon shared legislative context and detailed the broad-based and cross-sector support and advocacy efforts that led to all the middle housing initiatives being passed in the 2022-2023 session. He described the intersection of housing, transit, and the reduction of greenhouse gas emissions. Dave Osaki gave practical advice on work Dept. of Commerce is doing to help implement all the middle housing policies enacted. He supplied the numerous middle housing resources developed by their team to help jurisdictions navigate the changes, apply for grants, and access communications training. Ryan Donohue cataloged the benefits and opportunities that the middle housing policies bring to both market-rate and affordable housing builders by, “enabling more housing, in more places, for more people.” The middle housing policies provide more tools for builders and opportunities to build in the right places. Rep. Fitzgibbon closed the panel by expressing that this legislative session took a big step in the right direction, and it should be celebrated, but there is much more work to be done to be successful in meeting both housing and climate change needs in our region. We must work together and continue to advocate for those necessary changes.

Monica Guevara from Emerald Cities Collaborative hosted a panel discussion with James Metoyer, EnerCity Collaborative and Chris Young, CYC Mechanical where they dispensed valuable insights about including and supporting people of color in the just transition to a green economy. They spoke about the importance of facilitating ownership for diverse communities in the construction industry as well as fostering connection and growth to support people of color gaining knowledge and valuable skills as they enter this workforce. The session resulted in meaningful connections between audience members interested in hiring a more diverse workforce and setting them up for success in their careers. “Equity is a journey,” said Monica Guevara in her closing remarks. It is important to keep going no matter where you are starting from; even small steps toward a more equitable business make a difference.

Mason Rolph, of Olympia Community Solar, spoke about their non-profit’s mission to halt the ongoing harm from climate change impacting frontline communities through residential solar installations. Mason shared that the main hurdles that prevents frontline communities from accessing the benefits of residential solar PV are infrastructure barriers, like multifamily and shaded buildings, upfront costs, and regulatory complications. By focusing their installation work on community solar projects they aim to overcome those barriers to the benefit of those who otherwise would not be able to put solar directly on their own roof. He invited those who are interested to visit their website to find more information on how to join their coalition building, stakeholder engagement, or community outreach efforts to advocate for less restrictive solar policy.

In an information-packed session from Talia Dreicer of TC Legend Homes, attendees were encouraged to look at embodied carbon within residential projects with the same emphasis that we currently place on operational efficiency choices. Talia presented her findings on tracking and reducing embodied carbon in multiple TC Legend Homes projects. She stressed the importance of working to create a baseline of embodied carbon for projects, which they do with the BEAM estimator from Builders for Climate Action, and then establishing emissions reduction goals from there. Talia pointed out that pursuing 5-Star certification should not be the only reason builders start the process of tracking and reducing their embodied carbon. By utilizing BEAM and seeing the embodied carbon of individual materials, TC Legend Homes discovered materials that they did not know existed. This information led them to make simple swap outs that resulted in significant embodied carbon reductions in their certified Built Green 5-Star projects. There is a huge opportunity for rapid reductions from simple material changes that the BEAM tool presents when used to compare options.

For contemporary indigenous housing in the PNW, it is essential to develop architecture that is highly responsive to the environment and engages the community it serves. Daniel Glenn, from 7 Directions Architects, presented four case studies of indigenous housing projects that did exactly that. Their firm designs with the tribal idea of the seven generations: three generations of our ancestors, our present generation, and three generations of our descendants. Some aspects of indigenous centered design are having a clustered community or village space to allow for gathering, longhouse inspired multigenerational housing, site analysis to allow for homes to be best suited to their specific climate and place, and including tribal traditions such as building canoes in the formation of the space. Another important step is training tribal members in construction so they can continue with this work in the future. This was an inspiring presentation that featured beautiful and interesting housing projects that serve an essential community in our area.

Practical Applications to Meet and Exceed the 2021 WSEC

Greg Lasher, of BetterBuilt NW, cataloged some of the problems that he has seen through his career as an energy rater when he conducts his testing that are caused by inefficient design. He stressed that integrated design can cost-effectively prevent expensive mistakes and necessary changes later in the build process to meet code or Built Green requirements. HVAC, plumbing, sustainability criteria, and occupant comfort should be considered early in the design process to reap the most rewards. To avoid installation mistakes or ineffective practices trades contractors need to be involved in the design process or charettes so they understand the intent of design or can help see vulnerabilities. Integrated design shifts the amount of design effort towards the beginning of the project prior to when construction documents are created to avoid costly redesigns and in-the-field fixes.

Greg identified the top 2021 WSEC credits to target with design to maximum cost-effectiveness:

1. Heat Pump Water Heater (2 credits)
2. HVAC Ducts Inside (0.5 credit)
3. Compact Water Design (0.5 credit)
4. Waste Water Heat Recovery (0.5 credit)
5. Continuous Exterior Insulation (Base Code or 1.0 credit)

Alex Boetzel, of BetterBuilt NW, further emphasized that designing and building with high performance building techniques from the start is more cost effective for the builder and homeowner, than installing highly efficient, and more expensive, equipment that requires replacement in less than two decades. The new 2021 WSEC includes base code requires continuous exterior insulation that dramatically increases the performance and airtightness of the building’s thermal envelope and increases comfort. Alex explained that an exterior insulation system provides a thermal break, integrates with the air barrier installation, improves the overall wall U/R Value, mitigates condensation risks, and reduces sound transmission compared to standard wall framing assemblies for the life of the building. There are major design considerations and details that need to be considered to avoid unnecessary cost increases. He detailed resources like the upcoming 2021 WSEC Cookbook and WSU Energy Program's trainings and Code Compliance Calculator tools that builders can use to help make the code compliance process easier.

Gary Klein, of Gary Klein and Associates, gave two very interactive and illuminating breakout sessions dedicated to energy efficient, compact plumbing design. He laid out how the antiquated calculations and assumptions, from the 19th century, are still used to design plumbing systems in homes and buildings and do not account for our modern low-flow fixtures. This results in plumbing systems that fail to deliver the four key things people want from their hot water – it’s safe, reliable, reasonably priced, and they don’t have to wait for it. Through life-sized and volunteer-participated demonstrations Gary showed the common flaws in conventional plumbing design that leads to higher energy and water bills and complaints about long wait times and lack of water pressure. For hot water to be delivered to a tap it requires two times the volume in the pipe, including the cold water sitting in the pipe and the hot water that comes from the water heater. All the hot water that flows into the pipe that is not used represents wasted energy and money.

During the building’s operation annual water bill savings can be $1000-$3,600. These changes also decrease energy use from hot water by 20-30% by reducing the energy lost from hot water that never reaches the tap. The forthcoming 2021 WSEC will have energy efficiency credits related to compact plumbing design that lowers upfront costs of building homes. Implementing this innovative approach will be a win-win for builders and homeowners.

Built Green Project Basics was a specialty programming that was designed for those getting started with green building or high-performance building techniques. Cybil Tribie, of BEE Consulting, gave an overview of the Built Green certification and verification process and the benefits for projects that achieve certification. Josh Salinger, of Birdsmouth Design-Build, provided three sessions covering building science 101 content related to thermal envelope performance, HVAC installation details, and air sealing. You can look forward to offering a new variety of Built Green Project Basics topics being covered in future years of the conference.

Throughout the day conference attendees connected with each other to share stories and ideas and engaged with vendors, suppliers, and service providers in our Sponsors Expo to learn about how they could further enhance their Built Green projects. At lunch Sonja O’Claire, the Built Green Program Manager, presented the winners of the 2023 Built Green Hammer Awards. Then after a long day of learning, attendees enjoyed a mixer where they could continue their conversations, share ideas, and connect with each other over drinks.

We hope everyone who came to the conference learned something new, connected with friends, and walked away feeling inspired. We look forward to seeing you next year!

Written by: Tom Balderston and Kate Romero

Project Overview: Leota Development completed a new 3 Unit project in a walkable neighborhood next to Woodland Park Zoo in late 2023. The project replaced a single-family home with a detached home in front and two large townhomes on the improved alley. The project was designed by Akasha Architecture and built by Paul Williams. The 4-Star project includes the latest all-electric design and plenty of Built Green features.

The energy model for this project earned an ERI score of 54, which qualified this project for the performance pathway option on the Built Green checklist. The performance pathway allows more credit for items such as orientation and windows, the best-in-class heat pump electric clothes dryer, and the induction range; enabling the home to qualify.

Energy Use: The project is Built Green 4 star with 2 additional energy credits compared to the 2018 WA Energy Code minimums. It features advanced R-42 foam/FG Batt ceiling insulation, a high-efficiency Mitsubishi Ductless Heat Pump system, 100% LED lighting, efficient Heat Recovery Ventilation, and ENERGY STAR appliances.

Low Impact Development and Rainwater Catchment: The project features 100% pervious paving on parking and walks for stormwater infiltration, roof drains to biofilter planters, EPA Water Sense toilets, water-efficient fixtures and shower heads, and drought-tolerant and native landscaping with no lawns. The project has easy access to shops and transit, with a “Walkscore” of 80, and the front entry and shared parking encourage community.

Indoor Air Quality and Moisture Protection: The project features no carpets, Kraus "Natural Home" Engineered Oak Flooring that is EO certified for air quality, framing lumber moisture tested before drywall cover, low VOC interior paints, caulks, adhesives, and sealants, and cabinets and MDF trim that are CARB 2 certified for low added formaldehyde. The project also features a Wrap Shield high-performance exterior weather barrier with under-windowsill flashings, a drainage plane, and all bath and kitchen fans were tested for proper flow.

Materials with Reduced Environmental Impact: The project features cabinets, trim, tile backer, doors, and railings with recycled material content. Additionally, it has Kraus "Natural Home" flooring that is FSC certified, long-life Hardie Panel fiber cement exterior siding, a heat-welded TPO roof membrane, plastic decking with 55% recycled content, and exercised efficient framing practices with pre-cut studs and roof trusses. The project underwent 3rd Party Built Green Verification at the foundation, framing, and final stages.

Author: Sonja O'Claire, Built Green Program Manager

While energy and water efficiency improvements have a positive return and relatively short payback period, because they cannot be seen or admired, they are not as alluring as a new kitchen or addition. Combine that with tight remodeling or construction budgets any additional costs for energy improvements or third-party verification are quickly cut from the budget. However, there are a wide variety of local incentive programs that are already available to Washington property owners to help reduce those costs. With the passage of the Inflation Reduction Act (IRA), and its investment in carbon emissions reducing improvement projects, there is now more money than ever before available to go green.   

The challenge is that the information about all the financial incentives are scattered across many different agencies. For those who are looking to achieve Built Green certification, cost effectively, and enhance their home’s value and indoor air quality, we have compiled the most relevant financial resources to assist homeowners and builders to create high performing, energy efficient, and responsibly built homes.

Financial Incentives for New Construction

For new construction and builders of single and multifamily projects, the IRA increased and extended the value of the 45L tax credit. To qualify for Energy Efficient Home Credit, the contractor must certify each unit through the Energy Star Residential New Construction or DOE Zero Energy Ready Home (ZERH) programs. Neither of these programs require full Net Zero Energy performance, but still offer significant benefits and savings to the homeowner over the life of the home. The 2021 Washington state energy code is so advanced that with some additional research in the latest building science, achieving these certifications would not represent a significant liability. Built Green certification already provides access to local permitting and development green building incentives and requires or provides credits for many of the same things as the national programs, so you can maximize available incentives by combining Built Green certification with a 45L tax credit.

*National programs may require specific prescriptive requirements that Built Green does not. Built Green certification cannot be substituted for 45L tax credit program requirements.

Contractors or new home homebuyers, planning to meet the Washington state’s energy code, reduce utility bills, or achieve Net Zero Energy certification by installing an on-site energy generation systems (e.g., solar photovoltaic (PV) panels), can benefit from the expanded Residential Energy Tax Credit. Builders or homeowners can claim up to 30% of the cost of installing an on-site energy generation system, electrical panel and wiring upgrades, and battery storage as a tax credit. The credit may only be claimed once per property. If the system is included in a newly built home the builder and the buyer can negotiate who will receive the tax credit benefit during the sales process. If the builder or homebuyer can’t use the full amount of the credit, because of the tax liability limit, they can carry the unused portion of the credit to the next year’s tax filing.

In 2022 Seattle Public Utilities established the Deconstruction Incentive Pilot Project Program. The program offers builders up to $4,000 and early access to the site to use deconstruction, instead of demolition, when completing removing an existing house or duplex.

Changing floorplans, designs, technologies, and standard practices in homebuilding can be a time consuming and expensive endeavor that adds even more risk for contractors’ bottom lines. To adapt to the changes in the code and green building requirements, builders can explore their eligibility for a tax credit for Increasing Research Activities that applies to qualified research expenses of up to $65,000. Qualified research activities may include evaluation of engineering and construction methods for improvement in build time or overall performance and reliability, testing and validation of new mechanical systems to solve technical uncertainties, green building initiatives, and development of new MEP designs and systems. Builders must prove that the qualified activities lead to a new or improved product or process, is based on hard science, they have taken on the financial risk from the activity, and it was conducted in an experimental nature. Documentation for this tax credit is extensive so a certified professional accountant should be consulted to determine eligibility.

Using HUD’s FHA Energy Efficient Mortgage program (EEM) program can give additional benefit to single-family builders. New construction homes can be appraised at a higher value, while borrowers only need to be qualified for the loan amount used to purchase the home, and not the energy efficiency or solar PV system upgrades above the established residential building code. This program offers builders thousands of dollars of additional appraisal value and expands the pool of qualified buyers for their homes. Additionally for multifamily builders, Fannie Mae Green Mortgage products offer a host of benefits, including reduced interest rates, free energy audit, and up to 5% more loan proceeds. For more details on private lending options for green new home construction, see the Private Green Financing Programs later in this article.

Financial Incentives for Remodels

Federal Funding

For existing homes and homeowners, the IRA provides up to $14,000 in point of sale discounts and over $4,000 in tax credits for energy efficiency and electrification upgrades. The types of incentives you can access are determined by household income. Low- and moderate-income households, those at 150% Area Median Income (AMI) or less, are eligible for up to $14,000 in up-front discounts to cover 50-100% of the cost of the electrification updates. Higher income households do not qualify for up-front discounts but may still utilize the expanded 25C and 25D tax credits provided by the IRA. This includes installing heat pumps, heat pump water heaters, electric stoves, rooftop solar and more that are outlined in the table below.

Table 1: IRA provided instant discounts and tax credits
¹The IRA Electrification Point of Sale Discounts will be implemented and distributed through various state agencies and local utility providers. Per the WA Department of Commerce’s website, “The US Department of Energy is expected to release funds to states in summer 2023. Rebates will be available in early 2024.”
²Rebates offered by local utility providers are subtracted from your system costs before you calculate your tax credit
³Some solar roofing tiles and shingles serve the function of both traditional roofing and solar electric collectors, and thus serve functions of both solar electric generation and structural support. These solar roofing tiles and shingles may qualify the cost of a whole roof replacement for the credit, excludes a roof's decking or rafters that serve only a roofing or structural function.

Please note for all federal tax credits, they are nonrefundable tax credits. Which means you will not get a tax refund for the full amount of the tax credit if it exceeds your annual tax liability. Homeowners may get a tax refund at the end of the year due to the tax credit, if the reduction in tax liability means there was overpayment during the year. This can often occur when employers deduct taxes for employees over the course of the year. However, such refund is still limited by the taxpayer’s total tax liability. However, you can carry over any unused amount of tax credit to the next tax year.

Local Discount and Rebate Programs

In addition to the federal 25D tax credit, for up to 30% of the cost of a solar system and batteries, since 2019 all solar energy systems, up to 100kW, are 100% exempt from Washington state sales tax. There are also loan products specifically available to incentivize solar installation projects, see the Private Green Financing Programs later in this article.

Puget Sound Energy (PSE) customers have access to numerous rebates for energy and water efficiency upgrades. Rebates are available to homeowners, and multifamily property owners, for energy efficient appliances, space heating, water heating, insulation, lighting, and windows. There are also incentives for new construction and manufactured homes. Currently, PSE does not offer rebates for homes converting from natural gas space heating to electric heat pump; please see the federal funding (above), Community Energy Challenge, and Energy Smart Eastside for other applicable incentives for space heating electrification.

Energy Smart Eastside program offers homeowners and building owners education and program exclusive point-of-sale discounts up to $2,000 for installing heat pump systems for space heating and cooling.

Seattle City Light offers rebates and incentives for homeowners, rental property owners and renters to save energy and generate electricity. Rebates are focused on heat pump space and water heaters, oil to electric heating conversions, and energy efficient washers and dryers.

SnoPUD customers can take advantage of rebates on up to $2,500 on heat pump installation, $500 towards a heat pump water heater, up to $1/sq.ft. on weatherization improvements, as well as discounts on smart thermostats, EV chargers, and energy efficient washers and dryers.

Tacoma Public Utilities customers may qualify for numerous rebates on energy efficiency upgrades; such as $500-$1500 for heat pump systems and insulation installations, $50-100 off per window, $450 for duct sealing, and 60% of cost for LED lighting conversions. Additionally, to the discounts, they offer a seven-year, zero-interest loans for any of the following energy-efficiency projects: Heat pump installation, window replacements and insulation upgrades.

Community Energy Challenge rebates are available to homeowners throughout Whatcom, Skagit, San Juan, and Island Counties regardless of income level, if their home’s build date is prior to 1990. Projects must complete a Home Energy Audit and then may receive rebates on energy and water saving upgrades, like heat pumps. CEC rebates may be combined with utility incentives. They offer discounted energy audits to low- and moderate-income households.

Energize Olympia is a ductless heat pumps (DHP) group purchase campaign designed and supported by a partnership between the City of Olympia, South Puget Sound Habitat for Humanity, and Spark Northwest. Energize Olympia will launch in Spring 2023. More information will be available here soon!

Saving Water Partnership provides educational resources and rebates to conserve water for single and multifamily property owners that are served by their partner utilities in King and Snohomish Counties. You can receive $100 per qualifying low-flow toilet and Water Sense sprinkler timer. 

Putting it All Together

Below are tables that compile all the above financial incentives that correspond with the energy and water efficiency improvements potentially necessary to achieve a Built Green Remodel or Retrofit certification and additional Energy labels. Incentive amounts are also broken down by the qualifying household income AMI.

Remodel or Efficiency Retrofit Certification Rebates

Table 2: Available Financial incentives related to requirements to achieve Built Green Remodel or Retrofit certifications
¹IRA Electrification Point of Sale Discounts are capped at $14,000 per household. These discounts will be implemented differently in each state, so we cannot guarantee final amounts, eligibility, or timeline
²25C Tax credit for heat pumps and heat pump water heaters is capped at $2,000 per year and Weatherization is capped at $1,200 per year. These credits reset each tax year to be available for additional projects.
³Local utility providers administer their own discounts, for brevity we did not list all of them individually, please check your individual utility provider for full details and requirements. Figures in this table were pulled from PSE, SnoPUD, and Seattle City Light rebate programs.
⁴Rebates offered by local utility providers are subtracted from your system costs before you calculate your tax credit

Zero Carbon Emissions Label Rebates

Net Zero Energy Label Rebates

Tables 3 & 4: Available financial incentives related to requirements to achieve Built Green Remodel or Retrofit certifications with additional Energy labels.
¹IRA Electrification Point of Sale Discounts are capped at $14,000 per household. These discounts will be implemented differently in each state, so we cannot guarantee final amounts, eligibility, or timeline.
²Energy Efficiency Rebate cannot be combined with the Electrification Discounts for the same single upgrade, but the two programs can be stacked for different upgrades within the same project.
³Rebates offered by local utility providers are subtracted from your system costs before you calculate your tax credit
⁴Some solar roofing tiles and shingles serve the function of both traditional roofing and solar electric collectors, and thus serve functions of both solar electric generation and structural support. These solar roofing tiles and shingles may qualify the cost of a whole roof replacement for the credit, excludes a roof's decking or rafters that serve only a roofing or structural function.

Closing the Gap

While there is more money available through rebates and tax credits, they are not going to cover any project 100%. Many households will need additional financial support to complete their home improvements. Below are additional financial resources to help close the gap on the costs of home and energy efficiency improvements.

Income Qualified Programs

There are programs that are exclusively for low-income qualified individuals and households. The WA Department of Commerce has a program called the Low-Income Home Energy Assistance Program (LIHEAP). LIHEAP makes energy assistance grants to energy providers on behalf of eligible households. They can also help repair or replace unsafe, dysfunctional, and inoperative heating or cooling systems in some situations.

City of Seattle’s HomeWise Weatherization Program provides free energy efficiency improvements to qualified homeowners and renters. Qualifying projects could include home energy audits, insulation, air sealing, and energy efficient replacements for furnaces, hot water heaters, kitchen and bathroom fans, and refrigerators.

Sound Generations provides a minor home repair program for homeowners with disabilities, elderly homeowners, and low-income families. Through a partnership with Seattle Public Utilities, qualified households can receive one free water efficient toilet, including installation.

City of Bellevue offers deferred payment, zero interest, loans and emergency grants for hot water and furnace replacements up to $7,000. Tacoma Power also has a deferred loan program for households with 80% of AMI or less.

Energy Smart Eastside offers households below 80% AMI up to 100% of installation costs for heat pump systems. Puget Sound Energy also its Efficiency Boost program that increases the rebates they already provide, some of these are reflected in Table 2 of this article.

Community Energy Challenge provides discounted home energy audits and additional rebates, averaging 45% of the cost, for income qualified households (90% AMI or less) for energy efficiency upgrades.

Private Green Financing Programs

There are also multiple green lending programs that are available from national and local institutions. There are two types of incentive programs, mortgage-based and construction loan based. National programs may be available through a wider variety of lenders and have larger funding pools, than local programs. Some of the programs do require work to be completed within a set number of months, so they might not be appropriate for people who want to take their time remodeling their house.

US Department of Housing and Urban Development’s (HUD) FHA Energy Efficient Mortgage program (EEM) permits the borrower's qualifying ratios to be "stretched" by two percentage points above the standard limits. This stretch recognizes the energy savings from above-code energy efficiency and solar PV upgrades and allows a borrower to qualify for a higher loan amount. For new construction this means builders receive thousands of dollars in higher appraisal values and a larger pool of qualified buyers. Homebuyers can also qualify for a higher mortgage amount to finance cost-effective, energy efficient improvements to an existing property at the time of purchase or refinancing.

Freddie Mac GreenCHOICE Mortgage can help homeowners save money by allowing them to finance energy efficiency improvements through a “no-cash out” mortgage. The GreenCHOICE products are available to current homeowners or to homebuyers that want to include the costs of energy retrofits into their mortgage, rather than use a standard higher interest construction loan product.

Additionally for multifamily builders, Fannie Mae Green Mortgage products requires multi-family projects to achieve a recognized green building certification in exchange for a host of benefits, including reduced interest rates, free energy audit, and up to 5% more loan proceeds.

To qualify for these national programs a third-party energy rater (e.g., a Built Green Verifier with a HERS or BPI certification) must conduct a home energy assessment, and must demonstrate that the energy or water efficiency improvements are cost effective through a life cycle cost analysis. Qualified energy assessments are listed on their websites. If you are interested in using one of the national lending programs, your Built Green verifier can provide the energy assessment and the Life Cycle Cost (LCC) analysis that will needed to be provided for financing approval.

Local independent banks offering construction loan-based programs, such as OlyFed and Puget Sound Cooperative Credit Union (PSCCU), support local economies, offer a more boutique experience, and have a better understanding of their local markets.

The OlyFed’s Green Choice Lending Program provides loans for up to $724,999. Borrowers who certify with Built Green or HERS can borrow up to 85% of the mortgage without private mortgage insurance and qualify for a reduction on loan fees. This offers flexibility to budgets and thousands of dollars in fee reductions. You can use this money for energy efficiency retrofits specified on their website. Qualified borrowers looking to use the equity in their home can borrow up to 90% of home value and have their loan fee waived with low closing costs and reduced interest rate.

PSCCU’s Energy-Smart Loans have many specific options for green loans, including some with on-bill repayment. In Washington state they offer programs that are specific to Avista, WA, North Puget Sound counties, Repower, and solar. Please see their website for more details of each program.

There is a lot to consider when you start to consider how you want to invest your energy and resources into making improvements on your home. The best first step you can take is to schedule a consultation with a Built Green Verifier to discuss your project. Take advantage of the 25C tax credit to offset the cost of a Home Energy Audit to establish a baseline and plan for your home’s Built Green Remodel or Retrofit.

Disclaimer:

This list is not exhaustive of all the financial resources available for home improvement and may change over time. For a complete list that can be filtered by your zip code, project type, and program type please refer to the Database of State Incentives for Renewables & Efficiency (DSIRE).

The information provided here does not constitute professional tax advice or other professional financial guidance. It should not be used as the only source of information when making decisions regarding design, purchasing, investments, or the tax implications of new home construction, or when executing other binding agreements.  In the event that there is conflict between information provided on this webpage and guidance or notices published by IRS, utility providers, Washington Department of Commerce, or an incentive program, the information published by those entities shall take precedence.

Further Resources

Interactive tool from The White House on which programs are available for which projects

NW Ecobuilding Guild IRA Summary

IRA savings calculator and downloadable guide from Rewiring America
Rewiring America IRA Fact Sheet

IRS Fact Sheet

Energy Star Tax Credits for Homeowners

WA Department of Commerce IRA Federal Funding for Buildings

Database of State Incentives for Renewables & Efficiency (DSIRE)

Energy Efficient Mortgages