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A National Leader in Financing and Programs for Energy Efficient Home Improvements

AFC First - Helping Homeowners and Contractors With True Fixed Rate Financing Programs for Affordable Energy Efficiency and Home Comfort

Affordability is a key concern of many homeowners when it comes to installing high efficiency and other energy-saving improvements.  As the price of energy efficiency improvementsincreases, more and more consumers are looking for simple fixed rate monthly payment plans that can be offset by energy savings.  Most consumers want the stability and certainty of a fixed monthly payment and many are reluctant to make the investment in energy efficiency upgrade if the only financing option they are offered by a contractor is a large cash payment or the type of variable payment or "teaser" rate plan that converts to a much higher rate and payment when the promotional period ends.

Founded in 1947 and specializing exclusively in True Fixed Rate residential energy efficiency lending since 1999.

AFC First is a national leader in residential energy-efficiency and renewable lending and rebate programs. Nationally, we operate our EnergyLoan® and other programs in partnerships with states, utilities, manufacturers and municipalities.  Programs are offered through a network of over 6,000 Approved Contractors – companies involved in selling, installing and servicing high efficiency heating, air conditioning, weatherization and “whole house” Home Perfomance with ENERGY STAR® remodeling and alternative energy related home improvements.

Contractors have a tremendous influence on a customer’s decision on how they will pay for an energy efficiency upgrade. 

Contractors must be trained on how to effectively make affordability of energy efficiency a key part of every sales proposal and evaluation. Financing programs must be “consumer friendly” - simple, fast and easily communicated. In order to promote higher efficiency (and sometimes more expensive improvements) there must be a clear differentiation with “better” financing for high efficiency improvements driven through lower rates as well and longer loans terms and lower payments than those available for lower efficiency products.