Our Financing Options For New York Homeowners

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Free Estimate*

*Financing available with approved credit.

Privacy Statement: Your information will be kept confidential and will not be shared with any third parties.

Sometimes paying for a project in affordable, monthly payments is easier than paying the full amount upfront – we’ve got you covered!

We know how important our upgrades are to the efficiency and comfort of your home, so we’ve teamed up with three different financing companies, to give our customers options in bettering their surroundings.

We offer the following financing options throughout the New York area:

EFS logo


Energy Finance Solutions (EFS) is proud to originate loans on behalf of the New York State Energy Research and Development Authority (NYSERDA). NYSERDA offers New York State residents two reduced-interest rate loan products to finance qualified residential energy efficiency improvements.

The two loan products are:

  1. a Smart Energy Loan repaid in installments to NYSERDA's loan servicer; and
  2. an On-bill Recovery Loan, repaid through an installment charge on your utility bill.

For both loans, improvements eligible for financing include energy efficiency improvements that have been approved by NYSERDA and are installed by a participating BPI-accredited Home Performance with ENERGY STAR® contractor.


  • Quick turnarounds on loan approvals. Provide all needed documentation at the time of application, and you'll have a decision within one business day.
  • Affordable loan rates. Competitive Financing terms may be enhanced by Program Sponsor Support!
  • Great payment options. Many programs can be paid directly through your utility bill and EFS can often match the payment to your energy savings-meaning you'll have low or no out-of-pocket costs!
  • Secure customer portal. EFS is committed to protecting your privacy! They use Secure Sockets Layer (SSL) technology to prevent unauthorized access to your data and maintain complete control over their system and the loan process.

How it Works

  • Online- Applying online is the fastest way to receive a decision. Click here to submit an electronic application! When prompted for a contractor, enter True Energy Solutions.
  • PDF & FAX- Download this PDF, fill it out on your computer, and email back to us with the required supporting documentation.
    • Supporting documentation: In order to fully process your loan request, you will need to submit the following information in addition to the Credit Application:
    • Proof of Income - Current electric and gas (if applicable) utility bill (On-Bill Recovery Loans only)
    • Additional items may be requested based on your particular income and credit history.

Once all the paperwork has been received, we'll get it sent out to EFS via FAX, ensuring a fast arrival.

  • Call- Request an application packet to be mailed to you. Once received, fill it out and send back with the required supporting documentation. (We will layout this information for you in your application packet) You may request an application packet today, to be mailed out to you, by calling: 585-248-TRUE (8783). You can also request this information, using the provided contact form.


With "same as cash" financing and a same-day approval process through MoreHouse, you're in control of when to undertake your home improvement project. Booking repairs in a timely fashion lets you protect the investment in your home without tapping into equity, savings or emergency funds.

Why MoreHouse?

  • Speed - Quick application process & same-day credit decision.
  • Flexibility - "Same as cash" (0% interest) options and unsecured financing available for projects of $1,000 and over.
  • Control - Choose when to start your project.
  • Convenience - Easy online account management.

How it Works

  • Schedule a Free Inspection - During the appointment, we'll provide a detailed written estimate and discuss financing options.
  • Review Your Options - If eligible, you'll view personalized options and choose which one best suits your needs.



GreenSky® was founded on the idea that payment, credit and commerce could be enhanced using technology and elegant user experiences.

We believed payment and credit could be an asset that empowers and enables commerce, not a distraction or impediment. Today, GreenSky delivers a service that helps business grow and delight their customers.

Why GreenSky?

  • 6 Month – No Pay/No Interest
  • After being approved, look for your GreenSky® Direct payment card to arrive in the mail within 10 days of accepting your loan.

How it Works

  • Get proposal for work-
    • Call us to come out and perform an estimate, for the loan to be based off of.
    • Set up your appointment today, by calling: 585-248-TRUE (8783).
    • You can also request this information, using our contact form.
  • Fill Out an Application- During our appointment, we will go over your financing options with you. If you choose GreenSky Financing Solutions, we will navigate the online sign up process with you at that time. The loan is based off of our Proposal.
  • Get funded- Immediate pre-approval

Have a question about Financing? Reach out to us today!

our service area

We serve the following areas

Our Locations:

True Energy Solutions
107 Monroe St
East Rochester, NY 14445
Service Area
Free Estimate