2. Background
Home Upgrade, Carbon
Downgrade Program
• Community energy efficiency retrofits
• Streamlined contracting & financing
• High levels of consumer protection
• Invested in local retail purchases
• Linked to local green job training &
creation
3. Revolving Loan Fund
• 0% interest loans to property-owners
for energy-saving retrofits
• Loan amounts
Minimum = $2,500
Maximum = $20,000
• Loan term
Maximum = 10 years
• Repayments partially offset by
resulting energy cost savings
• Deed of Trust placed on participating
property
4. Revolving Loan Fund
Participant Eligibility
• Property in Chula Vista
• Current on mortgage & taxes (no
bankruptcy)
• Loan amounts < 10% of property value
• Lien to value ratio < 100%
• Contractors selected from Eligible
Contractor List
• No other current City loan
5. Revolving Loan Fund
Eligible Retrofits
REBATES HISTORICAL
ENERGY IMPROVEMENT SPECIFICATIONS
AVAILABLE? REVIEW?
Attic Insulation R-30 rating or greater Yes Exempt
Central Air Conditioning/Heat Pump SEER 14 or greater Yes Exempt
Central Furnace (Natural Gas) 92% AFUE rating or greater Yes Exempt
Flat Roof: 75% Reflectivity & Emissivity or greater Yes
Cool Roof -------
Steep Roof: 40% Reflectivity & 75% Emissivity or greater (if 45 years old)
Programmable Thermostat ENERGY STAR-qualified model ------- Exempt
SRCC OG-300 certified (single-family) Yes
Solar Hot Water Yes
SRCC OG-100 certified (multi-family & commercial) (if 45 years old)
Yes
Solar Photovoltaic (PV) System size can not exceed on-site energy demand Yes
(if 45 years old)
Tankless, On-Demand Water Heater 0.90 EF rating or greater ------- Exempt
Variable Speed Pool Pump & Motor Automatic control system required for most models Yes Exempt
Wall Insulation R-13 rating or greater Yes Exempt
Water Heater (Electric) 0.93 EF rating or greater (>30-gallon capacity) Yes Exempt
Water Heater (Natural Gas) 0.62 EF rating or greater (>30-gallon capacity) Yes Exempt
Whole House Fan Must have existing central A/C system Yes Exempt
Yes
Windows 0.40 U value & Solar Heat Gain Coefficient (SHGC) or less -------
(if 45 years old)
Yes
Other Energy-Efficiency Measures Reviewed on a case-by-case basis -------
(if 45 years old)
6. Revolving Loan Fund
Application Process
STEP 1 STEP 2 STEP 3 STEP 4
APPLICATION REVIEW RETROFITS LOAN SERVICING
• Property owner • RLF staff reviews • Applicant signs • A 3rd-Party will
submits an application & makes Contractor provide monthly
application approvals based on Acknowledgement bills, annual
• Includes (3) bids energy savings for preferred statements, payoff
from eligible thresholds and contractor demands, &
contractors for payback period • Applicant works require annual
selected retrofits • Applicant signs & with contractor to insurance from
notarizes Promissory complete retrofits loan recipients
Note & Deed of • Applicant signs off
Trust on Request for
• Applicant sent a Payment once work
Notice to Proceed is completed
by City (Contractors are paid
directly from the
City for commercial
property retrofits)
• RLF staff calls to
schedule a final
inspection
7. Revolving Loan Fund
Eligible Contractor List
• All financed energy-saving retrofits
must be installed by contractors on list
• Helps to ensure:
High levels of consumer protection
Actual energy savings
Compliance with federal regulations
• Contractor requirements are
established in MOU
8. Revolving Loan Fund
Contractor MOU Components
• Federal Reporting – Possess a DUNS # & registered in CCR
• Labor – Contractors performing commercial retrofits must comply
with prevailing wage (DB Act)
• Liability & Insurance – Minimum liability ($1 mil) & indemnify City
• Licensing – CA contractor & City business licenses
• Payment – Paid to homeowner or contactor
• Permits – Obtain applicable permits prior to work
• Pricing – Net pricing for property-owner (gross costs minus
rebates/incentives)
9. Revolving Loan Fund
Contractor MOU Components
• Rebates/Incentives – Contractor assistance completing all
necessary rebate/incentive applications & use to recoup
upfront costs
• Special Trainings – Must meet industry & rebate/incentive
training standards (Energy Upgrade CA, CA Solar Initiative,
Electrical Safety Specs)
• Warranty – Must provide warranty based on industry standards
and for at least the duration of the loan term