Goldwater Bank offers

“Energy & Financial Interdependence – Green Freedom”

High-Performance “GREEN” Home Financing Solutions

Goldwater Bank offers a diverse line of High-Performance “GREEN” Home financing solutions that make it easy for homeowners or builders to finance energy-efficiency and high-performance projects.

In partnership with Green Energy Money (GEM), we support an innovative valuation process, a “green appraisal”

The “green appraisal” recognizes and quantifies the value of your investment in high-performance measures.

We Specialize in Rainwater Harvesting, Solar, Net-Zero, Geothermal

Goldwater Bank’s loan options give you the freedom to choose cutting-edge, energy-efficient construction methods.

Your Name (required)

Your Email (required)


Your Message

Some words about us

We make it Easy to finance energy-efficient and high-performance projects

What we do

Goldwater Bank offers a diverse line of High-Performance “GREEN” Home financing solutions that make it easy for homeowners or builders to finance energy-efficiency and high-performance projects.   The Goldwater Bank loan teams, including our processors and underwriters, are equipped to evaluate, interpret and support green homeowners in their loan process and approvals.

Why choose us?

Goldwater Banks Loan Options Give You the Freedom to Choose

Goldwater’s loan options give you the freedom to choose cutting-edge, energy-efficient construction methods.

·        FHA One-time-close – construction-to-permanent loan

·        Fannie Mae One-time-close construction-to-permanent loan

·        Purchase money loans

·        Refinance

·        Renovation loans – purchase or refinance one-time-close for existing homes.  Get your free report.

We Stand Behind our Builders and Communities

Our corporate culture encourages environmental sustainability and we are proud to be among the lenders that support and reward good stewardship.

We stand behind our builders and communities to offer the best suite of financing products and services available today.

We Evaluate, Interpret and Provide Support for Green Homeowners

Our Green Team, like you, is passionate about dramatic energy savings and reducing the planet’s carbon footprint.  We pride ourselves on providing the best quality service and most competitive rates available. 

We understand that people don’t fit in boxes and every family has unique circumstances, and we strive to make our clients’ financing work – we are deal makers not deal breakers!  Contact us today!

Solar panels and wind turbines in light bulb isolated .

Discover more about the HERS Index

The HERS Index measures a home’s energy efficiency, and there are a lot of great reasons to have a home energy rating performed on your house.

It can tell you so much about the home you live in, like how efficiently it’s operating and where you can make modifications for greater energy savings.

The Goldwater Philosophy

Goldwater’s history of success, and its expectations to continue a similar trend in the decades to come, are driven by the same principles that the company was started with nearly 30 years ago: we provide cutting-edge technology to an outstanding team of associates who consistently exceed the expectations of our customers and affiliates.

This allows us to provide the superior execution of solutions needed by the residential real estate industry, even if the need is sometimes “outside of the box.”

What they say about us!

  • @"The GEM and Goldwater Bank Teams helped us every step of the way, from the construction loan through to the final mortgage. They were able to explain to us how the process worked and were very reassuring when we had questions. No surprises and everything went smoothly. Thanks GEM and Goldwater!

Do you want to get more info about our process?Find Out More

Our awesome green toolbar features

We have formed an alliance with Green Energy Money (GEM) to provide tools, data and methods that help homeowners realize the economic and environmental benefits of high performance, energy-efficient buildings.

Case Studies

See our Case Studies, which provide real data about real property owners who have successfully upgraded and have the data to show that it is a good investment.

Free Instant Report

Start the Free Report Now! GEM offers a way for building owners and builders to start the process and determine the estimated costs and investment returns to make sound investment decisions in green upgrades.

Apply Now

Goldwater Bank offers a diverse line of High-Performance “GREEN” Home financing solutions that make it easy for homeowners or builders to finance energy-efficiency and high-performance projects. Apply Today! 

Accelerated Mortgage Payment Calculator

Use this calculator to estimate your payments, compare loan borrowing costs and plan for upgrading your property in the future. It also allows you to see how prepaying your mortgage reduces the length of your mortgage.

Incremental Property Value (IPV) Calculator

Estimate your realized yearly energy savings to calculate an estimated increase to your property value.

Loan to Value (LTV) Calculator

This simple tool can help you figure out down-payment and loan requirements.

Frequently asked questions

What is Energy Star?

ENERGY STAR is a U.S. Environmental Protection Agency voluntary program that helps businesses and individuals save money and protect our climate through superior energy efficiency. New homes that meet strict guidelines for energy efficiency can qualify for Energy Star certification.

An Energy Star qualified home uses at least 15% less energy than standard homes built to the 2003 International Residential Code (IRC). They usually include properly installed insulation, high performance windows, tight construction and ducts, energy efficient cooling and heating systems, and Energy Star qualified appliances, lighting, and water heaters

Why Retrofit my Existing Home?

Since buildings consume a significant amount of energy, particularly for heating and cooling, it is important to initiate energy conservation retrofits to reduce energy consumption and the cost of heating, cooling, and lighting buildings.  The costs have come down significantly since energy efficiency has been met with technological advancement.

Retrofitting an existing building can oftentimes be more cost-effective than a newly constructed building. In fact, today more than ever, you can realize a high return on your investment and faster paybacks!  For example, solar prices have come down almost 50 percent in price and is more efficient than ever.  The same is true for insulation and other efficiency and renewable building upgrades.  To find out more about estimating what your retrofit may cost, get your free report here.

Who is Green Energy Money (GEM)?

GEM delivers a quantified valuation process utilizing over 19 points of data.  They also provide networks of certified building science experts and trained, competent appraisers skilled in the art of valuing energy efficiency and renewable upgrades in properties.

In addition, GEM provides quality assurance with certified market data that appraisers and underwriters can easily interpret and accept. GEM’s innovative processes and reliable data support Goldwater’s team to offer their borrowers and builder networks a rewarding experience and finally, the recognized green premium value they deserve.


Why get a Green Appraisal with Goldwater?

  • A streamlined loan valuation process that quantifies your value
  • Potential increases in property equity
  • Better resale value – documents your future sale
  • Reduced utility bills that offset building improvement financing
  • Increased comfort and a healthier building
  • Faster paybacks by applying energy savings to their mortgage
  • Documents a secure future from rising utility and building costs

Energy Tip and Tricks

Learn how small changes can make big differences

Interested in adding Solar to your home?
Once the renewable infrastructure is installed,  you start saving money day #1.

Unlike carbon-based fuels, the wind, the sun and the earth provide  “renewable energy” fuel that is free; it’s  ultimately limitless.