Upgrade Now, Pay Over Time
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How It Works
How Financing Works With Zero Homes
That big upgrade number can stop a project before it starts. Financing turns it into something far easier to plan around: a fixed monthly payment instead of one large bill up front.
Here's the part most homeowners don't expect. You don't have to go hunting for a lender or decode loan paperwork on your own. Zero Homes finds the right program for your project, handles the application, and files everything for you. You review the numbers and sign. We take care of the rest.
Financing at a Glance
Your Options
Two Ways to Finance
Every home and every budget is a little different, so we work with two financing paths through the Colorado Clean Energy Fund. We'll help you find the one that fits.
Colorado RENU Loan
For any Colorado homeowner, statewide.
- Up to $75,000, with terms up to 20 years
- No money down to get started
- A below-market fixed rate that won't change
- No penalty for paying it off early
- Backed by the equipment we install, not a lien on your home
- Approved in several business days
- Offered through Colorado not-for-profit credit unions
ClearPath On-Bill Repayment
For Xcel Energy customers.
- Repaid right on your monthly Xcel Energy bill
- Finance from $1,500 up to $50,000
- No separate credit hurdle, since it's tied to your utility account
- A simple way to fold your upgrade into a bill you already pay
- Built for Xcel Energy service territory across Colorado
What You Can Finance
- Heat Pumps & ACYear-round heating and cooling from a single efficient system.
- Heat Pump Water HeatingHot water that uses a fraction of the energy of a conventional tank.
- Insulation & Air SealingSeal the leaks and hold your comfortable air where it belongs.
- Windows & DoorsCut drafts and outside noise while you lift your home's efficiency.
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Rebates + Financing
Stack Financing With Rebates
Financing and rebates aren't an either-or. They work better together.
Zero Homes applies every rebate and incentive your project qualifies for first, which brings the total down before financing ever enters the picture. Then we finance what's left. You get the lowest possible starting number and a monthly payment to match.
How it Works
Four Steps from First Call to Install.
From the first call to a system on your wall, here is the whole arc.
Talk to a Home Advisor
A quick call to confirm the details, answer your questions, and kick off your scan.
10 to 15 min
Scan Your Home
Walk through your house with the app; it captures the rooms, equipment, and electrical panel that drive your design.
~15 min
Get Your Quote
Our engineering team designs your system and sends a real, line-itemed quote with every rebate applied.
A few business days
Schedule Your Install
Confirm your quote, pick a date, and a vetted local crew handles the install and commissioning.
1 to 2 weeks
What's on Your Plate
Here's Who Does What.
We handle the design, paperwork, and crew. Your part is short and clear.
What Zero Homes Handles
Everything from design to commissioning.
- System design + sizing
- Equipment ordering and delivery
- Every federal, state, and utility rebate, filed for you
- Contractor selection from our pre-vetted network
- Install management + post-install commissioning
What You Handle
Short, clear, and on your time.
- One 10 to 15 minute call with your Home Advisor
- A ~15 minute scan in the Zero Homes app
- Confirming your quote and picking your install date
If something's outside this list, we'll tell you straight, no surprise asks.
Financing Questions, Answered
Short answers below. Your Home Advisor can walk through the numbers for your specific project anytime.
Ready to Start?
Ready to Design a Home Upgrade for Your Home?
24 hour Quote ยท No in-home sales call