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 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®


No- Cost Home Energy Assessment: All rate-payers of public utility companies in NYS pay a SBC fee (Service Benefits Charge) each month on their utility bill. This SBC money is what funds the no-cost energy assessment.

EmPower New York: Enables income-eligible customers to receive up to $7,000 worth of energy improvements at no cost, based on the criteria below:

  • Eligible for HEAP Benefits
  • Household income at or below 60% of NY's median income
  • Lived in residence for at least one year

Click Here for more information about EmPower eligibility guidelines.

Assisted Home Performance (AHP): Offers income-qualified homeowners a comprehensive, whole-house approach to improving energy efficiency and home comfort while saving money. AHP will match 50% of costs for up to $8,000 worth of approved energy saving upgrades.  

Click Here for more information about AHP eligibility guidelines.

NYSERDA Solar Incentive: Residential: $.35 per watt up to 25kW. Commercial: $.40 per watt up to 50kW and $0.30 per watt from 50kW to 200kW.


  • Green Jobs-Green NY: Loans with interest rates of 3.49% to 7.49% based on income. Direct payment plans up to $25,000 over the span of 15 years.
  • Low Interest Financing: Interest rates as low as 3.49%! We will work with you to ensure your payment does not exceed what you’re expected to save on energy costs. 

Tax Credits:

In addition to incentive programs and financing options, you may qualify for federal and/or New York State tax credits.

  • Solar Federal Tax Credit: Solar PV uncapped at 30%
  • Solar NY State Tax Credit: Solar PV 25% up to $5,000
  • Geothermal Federal Tax Credit: The residential geothermal tax credit is 30% and will continue at that level until 2020.

Contact Halco today for more information about our programs and 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

140A Metro Park
Rochester, NY 14623