Participating GoGreen Home Contractor · Since 1969
Do You Qualify for GoGreen Home Financing in the Central Valley?
A State Program, Below-Market Rates, No Lien on Your Home
Most Central Valley homes qualify. GoGreen Home is California’s energy-upgrade financing program, run through the State Treasurer’s office: below-market rates, longer terms, and no lien on your house. Wally Falke’s is a participating GoGreen Home contractor for heat pumps, heating and air, ducts and insulation. What you can finance depends on who sends your electric bill, and we’ll walk you through all of your options.
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What Is GoGreen Home Financing?
GoGreen Home is a California state program that makes energy-upgrade loans cheaper, administered by CAEATFA within the State Treasurer’s office. It is not a lender and not a rebate. The state sets aside money to cover lender losses, and in exchange participating credit unions offer below-market interest rates, longer repayment terms, larger loan amounts, and approval for a wider range of credit than they otherwise could.
What that means for you:
- Below-market interest rates
- No property lien, unlike PACE financing
- Longer terms, so the monthly payment lands lower
- Up to 30% of the loan can cover non-energy work done at the same time, like drywall and paint after a duct job
How Does GoGreen Home Financing Work?
The order is different from ordinary financing. Every GoGreen Home project, apart from a short list of self-install items, has to be done by an enrolled GoGreen Home contractor. Start with the estimate, and the paperwork follows.
- Start with a free in-home estimate. We size the system, confirm which measures qualify at your address, and give you a written price.
- Choose a participating lender. GoGreen works through California credit unions. The program’s own tools let you compare current rates and terms.
- Apply directly with the lender. You apply to the credit union, not to us and not to the state. They confirm the loan and the project details.
- We install, you pay over time. Wally Falke’s does the work and submits the project through the state portal. You pay the credit union on your own schedule.
Who Qualifies in the Central Valley?
Almost every home in our service area is eligible. What changes by utility is which upgrades the program will finance. The state’s published list of eligible publicly owned utilities names Turlock Irrigation District, Modesto Irrigation District and Merced Irrigation District directly. The fastest way to know which group you are in is to look at who sends your electric bill.
MOST OF OUR CUSTOMERS
TID, MID or MeID Electric + PG&E Gas
Turlock, Ceres, Patterson, most of Modesto, parts of Merced, Oakdale, Riverbank and Ripon
You are eligible. Heat pumps, ductless heat pump systems, heat pump water heaters, duct work, insulation, air sealing and gas furnaces all qualify. A standalone central AC replacement does not. If cooling is the goal, a heat pump is the route the program will finance.
FULL MEASURE LIST
PG&E Electric and Gas
Manteca, parts of Merced and Ripon
You are eligible for the full measure list, including standalone central air conditioning and ductless AC systems.
ALSO ELIGIBLE
Community Choice Aggregator
Los Banos
You are eligible. The program counts electricity procured by a Community Choice Aggregator, so WestLight Energy customers are covered the same as PG&E bundled customers.
Eligibility and the measure list are set by the state, not by us, and both can change. We will confirm what applies to your address during the free estimate. All loans are subject to credit approval by the lender.
What Can You Finance Through GoGreen?
The state’s eligible-measures list splits by utility. Heat pump equipment qualifies for everyone. Standalone air conditioning is limited to PG&E electric customers, so on TID or MID a heat pump is the cooling upgrade the program will finance.
Heat pumps, heat pump water heaters, gas furnaces, duct work, insulation, air sealing, connected thermostats and whole house fans qualify at every address we serve. The breakdown below shows where standalone air conditioning is and is not covered.
| Upgrade | TID / MID / MeID electric + PG&E gas | PG&E electric + gas |
|---|---|---|
| Heat pump (split or packaged) | Eligible | Eligible |
| Mini split with heat pump (18 SEER or greater) | Eligible | Eligible |
| Heat pump water heater (ENERGY STAR) | Eligible | Eligible |
| Standalone air conditioner (no heat pump) | Not eligible | Eligible |
| Ductless mini split AC, no heat pump (18 SEER or greater) | Not eligible | Eligible |
| Gas furnace | Eligible | Eligible |
| Duct sealing, duct insulation, duct sizing | Eligible | Eligible |
| Attic, wall and floor insulation, air sealing | Eligible | Eligible |
| Connected thermostat | Eligible | Eligible |
| Whole house fan | Eligible | Eligible |
Eligible at every address we serve
TID, MID or MeID electric, or PG&E electric, with PG&E gas
- Heat pump (split or packaged)
- Mini split with heat pump (18 SEER or greater)
- Heat pump water heater (ENERGY STAR)
- Gas furnace
- Duct sealing, duct insulation, duct sizing
- Attic, wall and floor insulation, air sealing
- Connected thermostat
- Whole house fan
Two exceptions
Eligible only if PG&E supplies your electricity
- Standalone air conditioner (no heat pump)
- Ductless mini split AC, no heat pump (18 SEER or greater)
Not eligible if your electricity comes from TID, MID or MeID. Add a heat pump to either system and it qualifies on any utility.
Source: California GoGreen Home Eligible Energy Measures list. Equipment has to meet the program’s efficiency requirements, so confirm the specific model on your estimate.
Thinking about a heat pump? See our heat pump page → or what one costs after TID and MID rebates → Ducts or insulation? Home Energy Optimization →
Why Use GoGreen With Wally Falke's
Listed on the State's Contractor Directory
Wally Falke's appears on California's official GoGreen contractor search for heat pump HVAC, heating and air conditioning, ducts, and insulation. You can look us up before you call.
Heat Pumps Are What the Program Covers Here
For TID and MID customers, heat pumps are the cooling upgrade GoGreen will finance. We have been installing and servicing them in Central Valley homes for decades.
A Straight Answer on Eligibility
We will tell you if your project doesn't qualify. Sending you to apply for a loan on equipment the program won't cover wastes your time and ours.
Family Owned Since 1969
Third generation, CSLB #312288, NATE certified, 4.9 stars from Central Valley homeowners.
GoGreen Financing Across the Central Valley
From our Turlock shop, Wally Falke’s handles GoGreen Home projects for homeowners in Turlock, Modesto, Merced, Manteca, Ceres, Oakdale, Ripon, Riverbank, Patterson and Los Banos. The estimate is free and we bring it to you.
What Your Neighbors Say
- 4.9★ Google Rating
- 1,400+ Reviews
- Installing Since 1969
- 1-Yr Money-Back Guarantee
GoGreen Home Financing FAQs
Is Wally Falke's a GoGreen contractor?
Yes. Wally Falke’s Heating and Air Conditioning is a participating GoGreen Home contractor, listed on California’s official contractor directory for heat pump HVAC, heating and air conditioning, ducts, and insulation. Search our name on the state’s find-a-contractor tool to confirm it.
Can I get GoGreen financing if I'm on TID or MID instead of PG&E?
Yes. Turlock Irrigation District, Modesto Irrigation District and Merced Irrigation District are all on the state’s published list of eligible publicly owned utilities. The program’s summary copy only names the big investor-owned utilities, which causes a lot of local confusion, but publicly owned utility customers are eligible for most electric upgrades.
Can I finance a new air conditioner through GoGreen?
It depends on your electric utility. If PG&E supplies your electricity, yes. If you are a TID, MID or MeID customer, a standalone air conditioner is not eligible, but a heat pump is, and a heat pump both cools and heats. For most homes in Turlock and Modesto, that makes a heat pump the upgrade the program will finance.
Is GoGreen a lender?
No. GoGreen is a state program that sets aside money to cover lender losses, which lets participating California credit unions offer better rates and longer terms than they otherwise would. You borrow from the credit union, and you apply directly with them.
Will GoGreen put a lien on my house?
No. GoGreen Home loans carry no property lien. That is the main difference between this program and PACE financing, where the obligation attaches to the property and shows up on your tax bill.
Can renters use it?
Yes, with the property owner’s written permission. The program covers single-family homes, townhomes, condos, duplexes, triplexes, fourplexes, and manufactured or mobile homes on a fixed foundation.
Find Out What Your Home Qualifies For
“Let’s find out what your home qualifies for!
(209) 632-7596″
—Wally