Financing & Rebates

Financing and Rebates

At Halco, we offer a variety of easy-to-use financing options for homeowners. During our in-house visit, your home energy advisor will help you find the financing options that work for YOU! Regardless of the condition of your credit, we have programs available to fit every financial situation. Here's a look into the many options we have for our valued customers.

Home Performance with ENERGY STAR®


  • Energy Audit: No Cost NY State Home Energy Audit 
  • EmPower: Enables income-eligible customers to receive up to $8,000 worth of energy-improvement upgrades, based on the criteria below:
    • Eligible for HEAP Benefits
    • Household income at or below 60% of NY's median income.
    • You have lived in your residence for at least a year.

       Click Here for more information about the EmPower Income Guide.

  • Assisted Home Performance: 50% off single family workscope subsidy up to $5,000 and 2-4 family homes up to $10,000. For more information about your eligibility for the Assisted Home Performance Income: Click Here.
  • NYSERDA: 10% off of qualifying work including measures, equipment, and home insulation. 



  • Green Jobs-Green NY: Loans with interest rates of 3.99% or 3.49% on a direct payment plan up to $25,000 over the span of 15 years.
  • On-Bill Financing: Loans with an interest rate of 3.49% included in your monthly utility bill. This payment will not exceed what your expected to save on your energy costs. 

Tax Credits:

  • 10% of the cost for installing a qualified furnace or hot water boiler (up to $150 limit)
  • 10% of the cost for installing high efficiency central AC, heat pump or water heater (up to $300 limit)

Renewable Energy Incentives:

NYSERDA: Residential: $.40 per watt up to 25kW Commercial: $.40 per watt up to 50kW and $0.30 per watt from 50kW to 200kW 

Federal Tax Credit: Solar PV and Geothermal, uncapped at 30%

NY State Tax Credit: 25%, up to $5,000

Contact Halco today for more information about our MoreHouse Financing options!

Morehouse Finance 

our service area

We serve the following areas

Our Locations:

865 County Road 6
Phelps, NY 14532

1700 Trumansburg Rd
Ithaca, NY 14850

204 Bass St
Liverpool, NY 13088