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®


Energy Assessment: No -Cost NY State Home Energy Assessment

EmPower New York: Enables income-eligible customers to receive up to $7,000 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
  • Lived in residence for at least one year

       Click Here for more information about EmPower eligibility guidelines.

Assisted Home Performance (AHP): Provides those that qualify with a discount covering 50% of the cost of eligible energy efficiency improvements up to $4,000 per project for single-family homes. Two- to four-unit residential homes with income eligible residents may qualify for a discount up to $8,000. 

    • Click Here for more information about AHP eligibility guidelines.


  • Green Jobs-Green NY: Loans with interest rates of 3.49% to 7.49% based on income. 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. 

NYSERDA: Residential: $.35 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 uncapped at 30%

NY State Tax Credit: Solar PV 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

140A Metro Park
Rochester, NY 14623