Renew's CaliforniaFIRST provides no money down upfront financing for energy efficient, renewable energy, water-saving home improvement projects ... Home improvement financing for California homeowners .... Heating and Cooling (HVAC).

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HERO is a local government-approved PACE (Property Assessed Clean Energy) program that allows homeowners to finance energy-efficient and water-saving home upgrades. PACE is a public-private partnership that makes energy-efficient upgrades affordable to homeowners.Financing through the HERO Program can cover 100 percent of energy efficiency or water saving upgrades. HERO offers up to 25-year terms, fixed rates, and folks can borrow as much as 15 percent of their home’s value.