Zenergy Home
Max Savings & Zero-Down Options

Afford Your Upgrades.
Maximize Your Rebates.

We make home energy renovations simple. Zenergy matches local utility rebates, SREC income programs, and flexible low-interest loans to construct a budget that works for your household.

Homeowners discussing utility savings and financing on tablet

Ways You Save with Zenergy

Learn how we combine credits and rebate networks to lower your project cost.

What Changed & What Still Works

Federal Incentives — 2026 Status

The residential federal tax credits (Sections 25C & 25D) ended for systems placed in service after December 31, 2025. Federal savings aren't gone, though — third-party-owned solar still qualifies, and we structure proposals around what actually applies today.

Leased Solar & PPA SystemsSection 48E credit through 2027
Homeowner-Purchased Systems25C/25D ended Dec 31, 2025
Systems Installed in 2025Claimable on your 2025 return
DocumentationWe provide everything your CPA needs

$0 Down Options & Lenders

Solar & Storage Finance

We partner with leading green energy lenders LightReach and Sungage to provide low-interest solar financing. In many cases, your monthly solar payment is lower than your previous electric bill.

$0 Down Solar LoansLow fixed-rate terms
SREC Production CreditsEarn cash for solar output (NJ/PA)
Transferable AgreementEasily transferred to a new buyer
Lease & PPA OptionsFederal 48E savings built into your rate

Flexible Terms & Credit Options

HVAC & Roofing Bundle Loans

Through Service Finance and Credit Human, we offer standalone and bundled home improvement loans. Bundle roofing replacement with HVAC heat pumps or insulation to optimize interest rates.

Interest-Free TermsNo Interest / No Payment options
Credit Human LoansExcellent rates for clean upgrades
Service Finance ProgramFast approvals up to $65,000
Co-signer FlexibilityMultiple options for qualification

Immediate Cashback Credits

Local Utility Rebates

Local utilities offer direct cash-back rebates for transitioning to high-efficiency HVAC equipment and insulation. We apply these credits directly to your invoice so you don't have to wait.

Delmarva Power (Delaware)Rebates for Heat Pumps & sealing
PSE&G & ACE (New Jersey)Up to $3,000 on HVAC upgrades
PECO Energy (Pennsylvania)Rebates on air-sealing & insulation
Instant Discount ProcessingWe file all utility paperwork

Ways to Save in 2026

The residential federal tax credits ended after 2025 — these are the savings pathways that still work today.

Savings PathwayHow It WorksStatus
Leased Solar & PPAFederal Section 48E credit claimed by the system owner, passed through as a lower monthly rateThrough 2027
SREC Income (NJ / PA / DE)Earn certificates for every megawatt-hour your system produces — NJ pays a fixed rate for 15 yearsActive
Utility RebatesPECO, PSE&G/ACE & Delmarva cashback on heat pumps, insulation & solar — applied to your invoiceActive
Net MeteringFull retail-rate bill credits for surplus solar across DE, PA & NJActive
$0-Down FinancingLow fixed-rate loans through LightReach, Sungage, Service Finance & Credit HumanActive
*Disclaimer: Incentive programs, rates, and tax eligibility vary by household and change over time. Systems placed in service by December 31, 2025 may still claim the 25C/25D credits on a 2025 return. Consult a certified public accountant (CPA) to confirm eligibility.

Ready to Check Your Pre-Qualification?

Contact us today to schedule your energy assessment. Our specialists will calculate your exact rebate offsets and review low-interest financing details.