n today's economy, it's tough for homeowners to find financing for their energy efficiency and renewable energy upgrades. This free workshop introduces a wide variety of residential clean energy financing products for energy efficiency, solar PV and solar thermal installations. We will also cover current clean energy rebates that also help bring down project and financing costs, improve the customer's ROI and increase the chance for contractor sales. Don't miss this opportunity to ask questions and talk with representatives from financial institutions over a networking lunch. Breakfast will also be provided. Space is limited, so register soon! Who Should Attend? Contractors working in the clean energy industry including: Home Performance Contactors Energy Advisors HVAC Contractors Insulation Contractors BPI Certified Professionals Solar Contractors Solar Integrators

1. CHF Residential
Energy Retrofit Program
Loans and Grants to help homebuyers make
energy efficiency home improvements
www.chfloan.org

2. What is the CHF energy program?
New program that provides low interest rate
loans and grants to help homeowners make
energy-saving home improvements
• Currently available in over 49 counties of CA
• Encourages homeowners to take a "whole house"
approach and combine several related improvements at
once to increase a home's overall energy efficiency and
achieve greater savings.
• Promotes new job creation for contractors and
tradesmen
www.chfloan.org Page 2

3. Available Funds
• $16.5 million grant awarded to CHF by
State Energy Commission
• $2 million additional commitment from CHF
TOTAL funds = $18.5 Million
• $9.3M for Loans to finance projects
• $4.1M for Grants towards project cost
• $1.5M for Grants to cover in/out inspections
• Remainder for administration
• Contract ends 03/2012 (or when funds are depleted)
www.chfloan.org Page 3

4. DEL NORTE
SISKIYOU MODOC
Available in Over 49 Counties of CA
CHF’s Joint Powers Authority Jurisdiction
SHASTA
TRINITY LASSEN
HUMBOLDT
TEHAMA
PLUMAS
MENDOCINO BUTTE
GLENN
SIERRA Member Counties (31)
COLUSA NEVADA
LAKE SUTTER
YUBA PLACER Associate Member Counties (18)
SONOMA
YOLO EL DORADO
ALPINE
Associate Member Cities (2)
NAPA SACRAMENTO
AMADOR
SOLANO
CALAVERAS
MARIN SAN MONO
CONTRA TUOLUMNE
JOAQUIN
COSTA
SAN FRANCISCO
ALAMEDA
MARIPOSA
STANISLAUS
SAN MATEO
SANTA
MERCED
CLARA
SANTA MADERA
CRUZ
SAN
BENITO FRESNO
INYO
San Jose
TULARE
MONTEREY
KINGS
SAN LUIS
OBISPO KERN
SAN BERNARDINO
SANTA
BARBARA
VENTURA LOS ANGELES
RIVERSIDE
ORANGE
IMPERIAL
Palmdale SAN DIEGO
www.chfloan.org Page 4

5. Financial Assistance from CHF
CHF Loan
• 0-3% fixed interest rate, 15-year fully amortizing
o Zero % in Most Member Counties (Promotional Period)
o 3% in Associate Member Counties/Cities
• Loan amount = Net project cost (after CHF Grants)
• No minimum or maximum loan amount
• Loan serviced by CHF
• Fixture-filing lien placed on installed equip only
CHF Grants
1. 15% of project cost, up to $1,250 per home, AND
2. Up to $700 to cover initial and final energy audits
www.chfloan.org Page 5

6. Qualifications
Subject Property
• Must be a single-family, 1-4 unit, residential property
• Must be free of any judgments, tax or mechanic liens
• Rental properties are permitted
• No appraisal on house required
Applicant(s) – All parties on property title
• Must have a current source of income
• Income limits: 60% -160% of AMI
• Must be current on mortgage and property taxes
• No minimum credit score required
• No maximum debt-to-income ratios
www.chfloan.org Page 6

7. Income Limits
Income Limits for All Eligible Counties on CHF Website
• 60% -160% of AMI
• Based on combined income of all parties on title
• San Diego County: $44,940 – $119,840
• Imperial County: $26,640 – $71,040
• Riverside County: $37,500 – $100,000
www.chfloan.org Page 7

8. Energy Efficiency Improvements
“Whole-House” Concept Energy Audits Priorities
Builds on the concepts of Initial energy Prioritizes lowest
HERS II and Home assessment and cost/highest benefit
Performance with Energy computer modeling to
Star predict energy savings
Addresses ALL of home’s Final energy Renewables
energy-using features assessment to check (i.e. solar)
equip was installed • Only considered
Result = Energy Savings, correctly and verify after energy
improved comfort, air predicted energy efficiency work
quality, combustion safety, savings are still on
noise reduction, etc. target • Requires at least
10% min in energy
efficiency is met
www.chfloan.org Page 8

9. Contractor Participation
• Documents
1. Contractor Application & Checklist
2. Sign CHF’s Contractor Participation Agreement
3. Complete a Waste Management Plan
• License & Experience
– CA General Building Contractor License
– Standard insurance requirements
– Employ a Building Performance Institute (BPI)
Certified Analyst on staff
– Provide proof of completed modeling analysis and installation work on
two (2) whole house performance projects in preceding 24 months.
• Training
– Contractor Training, facilitated by CHF
– Procedures Training, facilitate by CHF (after approval)
www.chfloan.org Page 9

10. Orientation and Training from CHF
www.chfloan.org Page 10

11. Thank You For Your Participation
CRHMFA Homebuyers Fund (CHF)
1215 K Street, Suite 1650
Sacramento, CA 95814
(855) 740-8422
www.chfloan.org
Presentation contains program highlights only. Income limits and other program guidelines apply. Contact CHF for full
program guidelines and participation requirements.
The CHF Residential Energy Retrofit Program is sponsored by CRHMFA Homebuyers Fund (CHF), a government
entity in California. Funding for the program is made possible through a grant award from the Energy Commission the
State of California. Revised August 4, 2011
www.chfloan.org Page 11