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Are you considering HERO, PACE or Mpower?

CalVet fully supports clean energy, efficiency, and resilience improvements for your home. However, in recent months, home improvement financing with names like "HERO", "PACE", and "Mpower" have filled the market place.  These programs utilize tax liens as a form of financing for home energy improvements which can create impediments to refinancing and or selling your property.  Also, annual tax payments often increase considerably resulting in an increase in required monthly escrow payments over the term of the financing.  It has been CalVet's experience that these changes are not clearly understood by our contract holders when they agree to these types of products.

CalVet would like to remind our contract holders that all secondary financing programs must be approved by CalVet prior to enrolling.  Secondary financing liens must legally subordinate to CalVet financing to receive approval.  For questions, please contact CalVet directly at 916-503-8020 or email us at

As a potential alternative, CalVet offers an "easy qualify" Home Improvement Loan specifically designed for many of the improvements these products finance.  To learn more, visit the CalVet Home Loans website and look for the Home Improvement link under "current customer" or contact our Home Improvement Loan Specialist at 916-503-8020 for more information. 



CalVet Home Loans
Loan Origination Unit
1227 O Street
Sacramento, CA 95814
800-952-5626 (Toll Free)
916-503-8020 (Direct)
916-651-9085 (Fax)

Current Customers Card
Family holding a Sold sign in front of a House

Are you considering HERO, PACE or Mpower?