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Get financing for Your residential OR SMALL BUSINESS energy efficiency projects


The Residential Energy Efficiency Loan (REEL) program was designed to help California homeowners and renters benefit from affordable financing for energy efficient appliances and HVAC projects.

Owners of any residential property are eligible for the REEL program, as are renters at the discretion of the lender and with the property owner’s consent. You may upgrade any single-family home, townhome, condo, duplex, triplex, fourplex or manufactured property. With REEL, renovations for up to 4 units can be bundled into the same loan.

Loan PRogram Benefits

  • No home equity needed

  • No lien on your property

  • Competitive rates

  • Affordable monthly payments

  • No closing costs

  • No origination fees

  • No prepayment penalties - pay off your loan early

  • 100% financing

  • Up to 30% of loan amount towards nonenergy improvements

  • Available to a wide range of credit scores and incomes

  • Broad list of energy efficiency projects to choose from

  • Reduce project cost with investor-owned utility rebates/incentives

3 EASY Steps To Apply



Visit our approved lenders page to compare products and apply online or speak directly with a lender representative.

Small Business Financing (SBF) Option Chart



After the lender approves you for financing, Fabulous Homes will share your project scope with the lender. Once your lender approves the project, work can begin.


3. Sign Closing Documents

Upon completion of your project, Fabulous Homes will provide you with a final itemized invoice and a certificate of completion. The lender will ask you to sign a REEL Borrower Form+ containing project certifications and privacy rights disclosures.

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