Supporters of energy efficiency in homes and businesses claim that upgrading to energy efficient appliances, insulation, lighting, windows and other components will save Americans billions in the long run. Yet skeptics and adherents alike are wondering: how do we afford these upgrades?

The upfront expense of upgrading to more energy efficient products can be a huge obstacle for many Americans. While low-cost items such as energy efficient lights are accessible additions to many homes, big-ticket items like energy efficient air conditioners or high value insulation installations leave many homeowners wondering how to finance such large investments. The good news is that there are a number of different agencies, organizations and companies creating…

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