| ENERGY ANALYSIS & MONITORING |
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| Eligible Products and Services |
| Energy Audit or Assessment |
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| Utility or Government Sponsored program. |
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| Eligible Products and Services |
| In-Home Monitor Equipment / Home Automation |
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| Cannot exceed $500 including install. |
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| Eligible Products and Services |
| Home Energy Rating Index (HERS Model) |
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| Performed by a RESNET certified Home Energy Rater. |
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| Eligible Products and Services |
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| ENERGY STAR®, Low-E Coating. Meets IECC in combination with the exterior window/door over which it is installed, for the applicable climate zone. On existing building shell only (no additions or new construction). |
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| Eligible Products and Services |
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| ENERGY STAR®, R-6.5 minimum fiberglass doors only with weather-stripping and threshold. Any glass must be double-paned, Low-E, and tempered. |
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| Eligible Products and Services |
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| Air infiltration levels must be measured by a blower door before and after improvements. Mechanical ventilation must be recommended if air changes / hour are below 0.35 NACH. Performed to at least local code requirements. |
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| Eligible Products and Services |
| Exterior Windows and Glass Doors |
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| ENERGY STAR®, U Value <= 0.30, Low-E glass. Garages and other non-living areas do not qualify unless they are part of the home’s conditioned space. |
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| Eligible Products and Services |
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| Must consult with an energy advisor and refer to www.efficientwindowcoverings.org for a list of eligible brands and models. |
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| Eligible Products and Services |
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| ENERGY STAR®, U-factor <= 0.55. |
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| Eligible Products and Services |
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| R-49 minimum required in open attic; cathedral ceilings will vary with rafter depth. Must perform air sealing in attics prior to adding insulation. |
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| Eligible Products and Services |
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| Compliant with International Energy Conservation Code, varies by climate zone. For framed walls R-19 minimum: fill wall cavity where R-19 is not possible. For solid walls such as brick or concrete, exterior rigid insulation must be added to a level of R-10 or higher. |
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| Eligible Products and Services |
| Foundation (Crawl Space or Basement) Insulation & Air Sealing |
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| Crawlspace as outlined in the 2012 IECC. R-15 continuous or R-19 cavity insulation with a vapor permeable air barrier over insulation. Crawlspaces must have sealed vapor barrier over dirt crawl space floor and ventilation, per 2012 IRC. |
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| Eligible Products and Services |
| Sub-Floor or Frame Floor Insulation |
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| R-30 minimum, over unconditioned space only (i.e., cantilevers, floors over unconditioned crawl, over garage, etc.). Fill enclosed floor cavities when R-30 is not possible. As per 2012 IECC. |
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| Eligible Products and Services |
| Perimeter Insulation, Slab-on-Grade Foundations |
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| R-10 minimum. Must extend to entire perimeter of any exposed slab(s), as per 2012 IECC. |
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| Eligible Products and Services |
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| Cool Roof Rating Council rated roof materials with an Initial Solar Reflectance Index (SRI) of >= 75 for low-slope, >= 20 for steep-slope roofs; solar PV roof tiles; or ENERGY STAR rated roofing materials. Roofing requests must be reviewed by Clean Energy CU prior to approval. A list of rated materials can be found at coolroofs.org/directory/roof. |
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| Eligible Products and Services |
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| Fan must have an automated, insulated air sealing mechanism that engages when the fan is off (i.e., doors or damper mechanism, etc). Must have controls (thermostat or timer, multi-speed). |
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| Eligible Products and Services |
| Natural Gas or Propane Furnace |
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| ENERGY STAR®, AFUE >= 95%. |
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|
| Eligible Products and Services |
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|
| Eligible Products and Services |
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| Eligible Products and Services |
| Heat Recovery Ventilator (HRV) |
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| Must be reviewed by Clean Energy CU prior to approval. |
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| Eligible Products and Services |
| Energy Recovery Ventilator (ERV) |
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| Must be reviewed by Clean Energy CU prior to approval. |
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| Eligible Products and Services |
| Natural Gas or Propane Boiler |
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| ENERGY STAR®, AFUE >= 90%. |
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| Eligible Products and Services |
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| ENERGY STAR®. Current certification minimums: SEER2 >= 15.2 and EER2 >= 12.0 (split system); SEER2 >= 15.2 and EER2 >= 11.5 (single package). DOE retired the legacy SEER/EER metrics for new equipment effective January 1, 2023; all new units are tested and rated under SEER2/EER2. |
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| Eligible Products and Services |
| Evaporative Cooling, Whole Home |
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| 85% media saturation. Must be permanently installed. |
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| Eligible Products and Services |
| Air or Ground Source Heat Pump (incl. Mini-Split Units) |
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| ENERGY STAR®. Current certification minimums (split system): SEER2 >= 15.2, EER2 >= 12.0, HSPF2 >= 8.1. Ground source: closed loop systems only, 6 tons or smaller. DOE retired the legacy SEER/HSPF metrics for new equipment effective January 1, 2023; all new units are tested and rated under SEER2/HSPF2. |
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| Eligible Products and Services |
| Pellet or Wood Stove/Boiler |
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| EPA Certified, at least 72% efficient (wood) or 78% efficient (pellet). Upgrades only, unless home uses electric heat. |
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| Eligible Products and Services |
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| Eligible Products and Services |
| High Efficiency Fireplace & Fireplace Inserts |
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| EPA Certified, at least 75% efficient. Retrofits only. |
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| Eligible Products and Services |
| Electric Thermal Storage (ETS) |
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| Room, Whole Home, and Water ETS eligible. |
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| Eligible Products and Services |
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|
| Eligible Products and Services |
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| Eligible Products and Services |
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| Eligible Products and Services |
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| Duct replacement: seal to 10% or less for replacement ducts. Must use duct mastic, aluminized tape, or pressurized aerosol sealant. Performed to at least local code requirements. |
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| Eligible Products and Services |
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| R-8 minimum, in unconditioned space only. Compliant with International Energy Conservation Code, varies by climate zone. |
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| Eligible Products and Services |
| Hot Water Heater Gas/Propane Storage |
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| ENERGY STAR®, Tank min. rating EF >= 0.67. |
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| Eligible Products and Services |
| Hot Water Heater Electric/Gas/Propane Tankless |
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| ENERGY STAR®, EF >= 0.90. |
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| Eligible Products and Services |
| Heat Pump Water Heater (Integrated / Hybrid) |
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| Must carry the ENERGY STAR® label. Confirm ENERGY STAR certification by searching the model number at energystar.gov/productfinder. The product listing or spec sheet must show a Uniform Energy Factor (UEF) of 3.30 or higher. For 120-volt plug-in models, UEF of 2.80 or higher is acceptable. Must be installed by a licensed contractor. |
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| Eligible Products and Services |
| Heat Pump Water Heater (Split System) |
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| Must carry the ENERGY STAR® label. Confirm ENERGY STAR certification by searching the model number at energystar.gov/productfinder. The product listing or spec sheet must show a UEF of 2.80 or higher. Must be installed by a licensed contractor. |
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| LIGHTING, ELECTRICAL & SMART ENERGY MANAGEMENT |
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| Eligible Products and Services |
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| LED lighting and fixtures. |
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| Eligible Products and Services |
| Smart Electrical Panel (e.g., Span, Lumin) |
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| Must provide circuit-level energy monitoring and control via a mobile app. The product spec sheet or manufacturer’s website must show a safety listing mark (“UL Listed” or “ETL Listed”). Must be installed alongside or integrated with an existing solar PV, battery, or EV charging system. Installed by a licensed electrician. |
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| Eligible Products and Services |
| Home Energy Management System (HEMS) |
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| Must integrate with at least 2 home energy systems (e.g., HVAC, water heater, solar, storage, EV charger). Must include a mobile app for monitoring and control. Product must carry a safety listing mark (“UL Listed” or “ETL Listed”) on the spec sheet. Cannot exceed $5,000 including installation. |
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|
ELECTRIC VEHICLE CHARGERS |
| Eligible Products and Services |
| Residential Electric Vehicle Supply Equipment (EVSE) |
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| Level 1 (120V), Level 2 (240V), or Level 3 (DC) electric vehicle charging equipment. |
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| Eligible Products and Services |
| Bidirectional EV Charger (Vehicle-to-Home / Vehicle-to-Grid) |
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| The product spec sheet or manufacturer’s website must confirm Vehicle-to-Home (V2H) or Vehicle-to-Grid (V2G) capability. Must carry a safety listing mark (“UL Listed” or “ETL Listed”) on the product label or spec sheet. Level 2 (240V) minimum. Must be compatible with the borrower’s electric vehicle (confirm on manufacturer’s compatibility list). Installed by a licensed electrician. |
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| RESIDENTIAL SOLAR, BATTERIES & ENERGY STORAGE |
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| Eligible Products and Services |
| Solar Water Heating System (Active, Residential) |
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| The complete system must be certified under the ICC-SRCC OG-300 program. Confirm certification by searching the system model at solar-rating.org. The installer’s contract should reference the OG-300 certification number. Systems with the ENERGY STAR® label are preferred. If used for space heating, maximum size = 20 kW. Installation must be performed per the manufacturer’s specifications. |
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| Eligible Products and Services |
| Solar Water Heating System (Commercial / Pool) |
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| Solar collectors must be certified under the ICC-SRCC OG-100 program. Confirm certification by searching at solar-rating.org. Must be reviewed by Clean Energy CU prior to approval for commercial applications. Installed by a licensed contractor. |
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| Eligible Products and Services |
| Solar Photovoltaics (PV) / Solar Electricity |
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| We require that a solar PV project be installed by one of our Registered Dealers in order to be eligible for a secured loan. |
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| Eligible Products and Services |
| Solar Photovoltaics (PV) / Solar Electricity (Outside of Registered Dealer Program) |
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| For an unsecured loan, these types of projects may qualify: (1) “do-it-yourself” solar PV projects (i.e., self-installing the equipment or self-managing a project that includes multiple contractors under your supervision); (2) community solar garden subscriptions; and (3) solar PV roof tiles (which are not eligible for secured loans even if installed by a Registered Dealer). |
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| Eligible Products and Services |
| Solar Awnings / Canopies / Carports |
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| Solar panels must carry a safety listing mark (“UL Listed” or “ETL Listed”) on the spec sheet. The inverter must also carry a safety listing mark. A structural review or engineering stamp is required for the support structure (installer to provide). Local building permit required. Grid-tied systems require a signed utility interconnection agreement. |
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| Eligible Products and Services |
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| Must be Grid Tied or PV System Tied and have a capacity rating of 3 kilowatt-hours (kWh) or greater and a minimum 10-year manufacturer’s warranty. |
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| Eligible Products and Services |
| Thermal Energy Storage (Ice or Phase-Change System) |
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| Must be paired with a heat pump HVAC system. The product spec sheet must show a safety listing mark (“UL Listed” or “ETL Listed”). Manufacturer must offer a minimum 5-year warranty (confirm on spec sheet or warranty document). Must be reviewed by Clean Energy CU prior to approval. |
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| Eligible Products and Services |
| Small Wind Turbine (Residential, up to 20 kW) |
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| Turbine must appear on the certified turbines list at smallwindcertification.org. Confirm the model name/number on the installer’s contract matches a listing on that directory. Rated power output must be 20 kW or less as shown on the spec sheet. Installer must provide proof of local permits (building permit, zoning approval). For grid-connected systems, a signed interconnection agreement with the utility is required. |
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| Eligible Products and Services |
| Small Wind Turbine (Small Commercial, 20–100 kW) |
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| Same as residential: turbine model must appear on the certified turbines list at smallwindcertification.org. Rated power between 20 kW and 100 kW as shown on the spec sheet. Installer must provide a professional wind study showing the site is suitable. All local permits and utility interconnection agreement required. |
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| Eligible Products and Services |
| Microhydropower System (Residential, 2–100 kW) |
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| Turbine must be from a manufacturer that has been in business for at least 5 years and publishes product spec sheets with efficiency ratings. The spec sheet should show a safety certification mark (such as “UL Listed,” “CSA Certified,” or “ETL Listed”) on the generator and inverter. System size between 2 kW and 100 kW. Installer must provide: (1) a site assessment showing water flow and drop height, (2) all required federal, state, and local permits, and (3) a signed utility interconnection agreement for grid-connected systems. Refer to Microhydropower Loan Product Guideline for detailed underwriting criteria. |
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| Eligible Products and Services |
| Microhydropower System (Small Commercial, 2–300 kW) |
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| Same equipment requirements as residential. System size between 2 kW and 300 kW. An independent energy production estimate from a licensed Professional Engineer is required (not just the installer’s estimate). All federal, state, and local permits must be obtained or in progress before funding. Refer to Microhydropower Loan Product Guideline for detailed underwriting criteria. |
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| WATER EFFICIENCY & RECLAMATION |
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| Eligible Products and Services |
| Rainwater Harvesting System |
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| Must comply with state and local regulations (installer must confirm in writing that the system is permitted in the borrower’s jurisdiction). Minimum 500-gallon storage capacity as shown on the installer’s contract. System must include filtration appropriate for intended use. Installed by a licensed contractor. Cannot exceed $25,000. |
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| Eligible Products and Services |
| Greywater Recycling System |
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| Installer must confirm in writing that the system complies with state and local plumbing codes. For indoor reuse: the treatment unit must be NSF 350 certified (confirm on the product label or manufacturer’s website at nsf.org). Local permit required. Installed by a licensed plumber. |
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| Eligible Products and Services |
| Solar Water Purification / UV Treatment |
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| Treatment unit must be NSF 55 certified (confirm Class A or Class B designation on the product label or at nsf.org). Must serve borrower’s primary residence or commercial facility. Cannot exceed $10,000 including installation. |
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| Eligible Products and Services |
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| Eligible Products and Services |
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| ENERGY STAR®. Recommend CEE Tier 1 (<= 270 kWh/yr & <= 3.5 gal/cycle). |
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| Eligible Products and Services |
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| ENERGY STAR®. Recommend CEE Tier 3, measured using CEE’s current metrics: Integrated Modified Energy Factor (IMEF) and Integrated Water Factor (IWF), which replaced the older Modified Energy Factor (MEF) / Water Factor (WF) metrics. CEE updates qualifying tier thresholds periodically; confirm the current Tier 3 IMEF/IWF minimums against CEE’s Residential Clothes Washer Qualifying Product List (cee1.org) at time of underwriting. |
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| Eligible Products and Services |
| Induction Stove or Cooktop |
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| Eligible Products and Services |
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| Eligible Products and Services |
| Clothes Dryer (Heat Pump Technology) |
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| Must carry the ENERGY STAR® label. Confirm by searching the model number at energystar.gov/productfinder. The product description must state “heat pump” technology (not standard electric resistance). |
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| Eligible Products and Services |
| Refrigerator (Larger than 10 Cubic Feet) |
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| Eligible Products and Services |
| Freezer (Larger than 10 Cubic Feet) |
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| Eligible Products and Services |
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| Eligible Products and Services |
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| ELECTRIFICATION & FUEL SWITCHING |
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| Eligible Products and Services |
| Whole-Home Electrification Package |
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| A bundled loan covering the conversion of 2 or more systems from fossil fuel to electric (e.g., HVAC heat pump + heat pump water heater + induction range). Each individual product in the package must meet the requirements listed for that product on this list. The installer’s contract must itemize each product separately with manufacturer and model number. An energy audit or HERS assessment is recommended but not required. |
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| FIRE MITIGATION – STRUCTURE HARDENING (IBHS Wildfire Prepared Home) |
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| Eligible Products and Services |
| Class A Fire-Rated Roof Covering or Assembly; Metal Valley Flashing; Fire-Resistant / Synthetic Underlayment |
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| Class A rated (ASTM E108 or UL 790). Metal flashing at valleys and roof edges; fire-resistant underlayment. |
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| Eligible Products and Services |
| WUI Ember- and Flame-Resistant Vents, or Screen-Covered Vents (Eave, Gable, Foundation, Under-Floor) |
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| ASTM E2886, or vent openings covered with noncombustible, non-corrosive 1/16-inch mesh (ASTM E136). Applies to all exterior vents. |
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| Eligible Products and Services |
| Noncombustible (Metal) Gutters, Downspouts, and Gutter Covers |
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| Noncombustible (ASTM E136). Noncombustible gutter cover required to meet WPH Plus. |
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| Eligible Products and Services |
| Enclosed Eaves with Noncombustible Soffit |
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| Noncombustible (ASTM E136), or assembly rated to ASTM E119 / UL 263. WPH Plus measure. |
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| Eligible Products and Services |
| Noncombustible Siding and Trim |
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| Noncombustible (ASTM E136). WPH Base: minimum 6 inches noncombustible at base of wall. WPH Plus: full noncombustible covering. |
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| Eligible Products and Services |
| Dual-Pane Tempered Windows and Skylights, or Fire-Rated Glazing |
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| Dual-pane with at least 1 tempered pane (CWUIC Part 7) or 2 tempered panes (WPH Plus); safety glazing (ANSI Z97.1 or CPSC 16 CFR 1201); or 20-minute fire-rated. |
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| Eligible Products and Services |
| Noncombustible, Fire-Rated, or Solid-Core Exterior Doors |
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| Noncombustible (ASTM E136); 20-minute fire-rated (NFPA 252); or solid core not less than 1-3/4 inches. WPH Plus measure. |
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| Eligible Products and Services |
| Noncombustible Decks, Porches, and Stairs; Metal Mesh Under-Deck Screening |
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| Noncombustible (ASTM E136), or assembly rated to ASTM E119 / UL 263. Enclose under-deck area to prevent debris accumulation. |
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| FIRE MITIGATION – NEAR-HOME ZONE 0 (0–5 FT Ember-Resistant Zone) |
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| Eligible Products and Services |
| Noncombustible Ground Cover Within 0–5 ft (Rock, Gravel, Decomposed Granite, Pavers, Hardscape) Replacing Bark/Wood Mulch and Vegetation |
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| Noncombustible ground surface within 5 ft of structure and attached deck. No combustible mulch or plantings in this zone. |
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| Eligible Products and Services |
| Noncombustible Fencing and Gates Within 5 ft of the Structure |
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| Noncombustible (ASTM E136). |
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| Eligible Products and Services |
| Removal of Combustible Structures, Stored Materials, and Vegetation Within 5 ft; Conversion to a Noncombustible Surface |
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| Per AB 3074 / Zone 0. State rulemaking finalizing in 2026; insurers and LA County enforcing equivalent requirements today. |
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| FIRE MITIGATION – DEFENSIBLE SPACE (5–100 FT, CA PRC 4291) |
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| Eligible Products and Services |
| Tree Trimming and Removal: Limbing, Pruning, Canopy Spacing, and Hazard Tree Removal |
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| CA PRC 4291 / CAL FIRE (Zones 1-2). Remove branches within 6 ft of ground (or 1/3 tree height for small trees); maintain 10 ft canopy spacing; clear limbs within 10 ft of chimney and overhanging the roof; remove dead, dying, or diseased trees. Spacing increases on slopes. |
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| Eligible Products and Services |
| Vegetation Maintenance and Clearing: Brush, Shrubs, Grass, and Surface Fuels |
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| CA PRC 4291 / CAL FIRE (Zones 1-2). Remove dead/dying plants, leaves, needles, and debris; mow annual grasses to 4 inches max; space shrubs to break continuous fuel and remove ladder fuels; remove surface litter (permitted to 3-inch depth); keep 10 ft clearance around wood piles, outbuildings, and propane tanks; relocate combustible storage. |
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|
WIND/HAIL MITIGATION
FORTIFIED ROOF
(IBHS 2025 FORTIFIED Home Standard) |
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| Eligible Products and Services |
| Wind-rated, Class 4 impact-rated roof covering: asphalt/fiberglass shingle, metal, or tile |
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| Wind rating per ASTM D3161 Class F or D7158 Class H (shingles) or equivalent for metal/tile; UL 2218 Class 4 impact rating for hail. Installed per manufacturer high-wind specifications. |
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| Eligible Products and Services |
| Enhanced roof deck re-nailing: ring-shank nails at tightened spacing |
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| 8d ring-shank nails at 6 in. edge / 6 in. field, or equivalent mean ultimate uplift resistance of at least 182 psf. Required for all 2025 FORTIFIED Roof designations. |
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| Eligible Products and Services |
| Sealed roof deck / secondary water resistance (SWR) |
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| Fully adhered polymer-modified bitumen underlayment (ASTM D1970); or taped deck seams (min 3.75 in. ASTM D1970 strip or AAMA 711 Level 3 flashing tape) with felt or synthetic; or two layers ASTM D226 Type II / D4869 Type III-IV / D8257. Standard underlayment or hot-mopped felt does not qualify. |
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| Eligible Products and Services |
| Locked-down roof edges: enhanced metal drip edge and edge flashing |
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| Wider-face drip edge fastened at enhanced spacing per the FORTIFIED Roof detail set; fully adhered starter strips at eaves and rakes. |
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| Eligible Products and Services |
| Wind- and rain-rated roof vents; gable end vent protection |
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| Roof-mounted vents tested to resist wind-driven rain entry (TAS 100(A)); required under the 2025 FORTIFIED standard. |
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|
WIND/HAIL MITIGATION
FORTIFIED SILVER
(openings and attached structures) |
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| Eligible Products and Services |
| Impact-resistant windows, entry doors, sliding glass doors, and skylights, or code-approved protective coverings (shutters, panels) |
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| Cyclic pressure and large-missile impact: Miami-Dade PA / TAS 201, 202, 203; ASTM E1886 / E1996; or SSTD 12. 9-lb missile is the strongest credit tier. |
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| Eligible Products and Services |
| Wind-pressure-rated and impact-rated garage doors |
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| ANSI/DASMA 115 (impact) or ASTM E330 / ANSI/DASMA 108 / PA-TAS 202 (pressure). Credits are scored on the weakest opening: one unrated garage door forfeits the opening-protection differential. |
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| Eligible Products and Services |
| Gable end bracing and reinforcement |
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| Gable ends braced per FORTIFIED Silver requirements to resist lateral wind loads. |
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| Eligible Products and Services |
| Anchoring of attached structures: porches, carports, elevated decks |
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| Connections sized to FORTIFIED uplift requirements (prescriptive calculator or engineered design). |
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| Eligible Products and Services |
| Chimney reinforcement and anchorage |
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| Chimneys anchored and braced per FORTIFIED Silver. |
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|
WIND/HAIL MITIGATION
FORTIFIED GOLD
(continuous load path) |
|
| Eligible Products and Services |
| Roof-to-wall connection retrofit: hurricane clips, single-wrap or double-wrap straps |
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| Purpose-made connectors installed per manufacturer specification, with substantiated wind allowable uplift capacity: clips 386 lbs or greater; single wraps 535 lbs or greater; double wraps 891 lbs or greater (site-specific documentation required). |
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| Eligible Products and Services |
| Wall-to-wall and wall-to-foundation anchorage; continuous load path tie-in |
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| Connectors and anchors forming a continuous load path from roof to foundation per FORTIFIED Gold (engineered or prescriptive). |
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|
