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Approved lenders

Find Residential Energy Efficiency Loan (REEL) program approved lenders in the table below.

  California Coast
California Coast
 desert valley
Desert Valleys
 Matadors
Matadors
 Valley Oak
Valley Oak

Lending
area

Anywhere in
California

Indian Wells Valleys,
Searles Valley,
Kern River Valley,
Bishop, Barstow,
and parts of Kern
and Inyo Counties

Anywhere in
California

Tulare &
Madera Counties†
APR*

6.38% to
8.88%

4.50% to
8.50%

5.99% to
7.99%

7.45% to
9.95%
Loan
size

$2,500 - $50,000
($35,000 if no FICO)

$2,500 - $50,000
($35,000 if no FICO)

$2,500 - $50,000
($35,000 if no FICO)

$1,500 - $50,000
($35,000 if no FICO)
Credit Union
membership fee
(one-time)

Waived

$5

Waived

$5
Property
type

Single-family
1 to 4 units

Single-family
1 to 4 units

Single-family
1 unit

Single-family
1 unit
Minimum
FICO

600

580

640

580
Cash
needed

100% Financing
(no cash needed)

100% Financing
(no cash needed)

100% Financing
(no cash needed)

100% Financing
(no cash needed)
Closing
costs

No closing costs,
no annual fees

No closing costs,
no annual fees

No closing costs,
no annual fees

No closing costs,
no annual fees
Collateral

NONE

NONE

NONE

NONE
Term

Up to 15 Years

Up to 15 Years

Up to 15 Years

Up to 15 Years
Pre-
approval

INSTANT**

Within 24hrs***

Within 24hrs***

Within 24hrs***
Contact
info

(858) 495-1637
CCCU Energy Group:
Ray, Bill and Katya

(866) 743-6497
Eric Bruen

(818) 993-6328 x 248
Joseph Cortez

(559) 688-5996 x 2315
Kiersty Vaughan
 
*APR = annual percentage rate as of 8/1/2017. Rates are subject to change at any time. Check with lender for the most up-to-date rate information.
** Instant pre-approval for qualified borrowers for loans up to $25,000
*** During normal business hours
† Valley Oak can also lend to Select Employee Groups in Kings and Fresno Counties. Please see Valley Oak's website for membership details.
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