Questions? Call  1-888-893-8792  or email energyrightloans@vmf.com

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Vanderbilt Mortgage and Finance is excited to partner with TVA and your Local Power Company to provide you with the financing opportunities to help make your home a perfect 10.

First tell us what kind of project you would like to finance.
Select all that apply

Vanderbilt Mortgage and Finance (“Vanderbilt”) along with TVA and your Local Power Company want you to have the most energy efficient home possible. Likewise, we want to provide you with the most efficient loan experience possible. Before proceeding, here are a few things you need to know:

  • Ownership requirement – you must be the record owner of property where the energy efficient upgrade is being completed in order to be eligible for financing
  • Financeable Items – any energy efficient upgrade that is installed by a member of TVA's Quality Contractor Network through the TVA EnergyRight® program is eligible for financing
  • Personal Information – you will be asked to fill in some information about yourself (such as date of birth, social security number, and contact information); this will be used in the loan application process
  • Security and Privacy – Vanderbilt, TVA and your local power company take privacy very seriously and we want to make sure you are protected; after you have input your personal information, you will be asked to answer a few questions – you may need your records to answer as these are used to verify who you are and protect your information
  • Paperless – Once your identity has been authenticated, you will be able to electronically sign your application and save all your documents for future reference; no printing required
  • Loan Information
    • Interest Rate: 10.98% - 16.24% Fixed
    • 5-10 year loan terms available
    • All loan approvals valid for up to $15,000*

      *Subject to minimum loan amount of $2,500 ($3,001 in the state of Georgia). Max approval amount of $15,000 represents total outstanding loan balance. If you have another Vanderbilt home upgrade loan, your total outstanding balance cannot exceed $15,000

Eligible Upgrades:

  • Window replacement (must meet ENERGY STAR® requirements)
  • Heat pump installation – ducted or non-ducted system
  • Geothermal or ground source heat pump replacement
  • Dual fuel heat pump replacement
  • Central air conditioning installation – excludes heat pump
  • Tune-up for existing heat pump or air conditioning system
  • Storm windows added to single-paned windows (must meet program standards)
  • Exterior door replacement (must meet ENERGY STAR® requirements)
  • Attic insulation, kneewall insulation, wall insulation, and static ventilation
  • Envelope air sealing
  • Duct sealing and repair, insulation or replacement (existing HVAC only)
  • Water Heater

*ALL LENDING PROGRAMS ARE SUBJECT TO CREDIT QUALIFICATION. Not all applicants will qualify. Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, (http://www.nmisconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Finance Lenders Law license, GA Residential Mortgage (Lic. #6911), Illinois Residential Mortgage Licensee, KS Licensed Mortgage Co. (SL.0000720), Licensed by the NH Banking Department, Mississippi Licensed Mortgage Company, MT Lic. #1561, Licensed by PA Dept. of Banking.