Whole Home Energy Solutions Program
Up to $7,500 in rebates + 0% financing for up to 10 years. Sponsored by all 7 NJ utility companies. Funding is first-come, first-served. HVAC, insulation, water heater, and air sealing — all in one project.
What If Your Upgrade Cost Less Than Your Energy Bill?
Most homeowners pay $13,250–$18,000 out of pocket just to replace their HVAC. With HomeWise, you get a complete home transformation — HVAC, insulation, water heater, and more — for as low as $146/month with 0% financing. And your energy bills can drop by more than that.
The Old Way — Equipment-Only HVAC
You pay
$13,250
out of pocket, upfront
- Replaces HVAC only — nothing else
- Small equipment rebate: ~$200
- No insulation, air sealing, or water heater
- Energy bills barely change
Whole-Home via HomeWise (Example Project)
You pay
$0 down • $17,500 after $7,500 in rebates
- New HVAC + insulation + air sealing + water heater + smart thermostat
- up to $7,500 in rebates applied immediately
- 10–35% lower energy bills (~$50–$300/mo saved)
- Complete home comfort transformation
You pay $146/mo with 0% APR, no out-of-pocket. You can save $50–$300/mo on energy.
Net positive from month one.
The math is simple: A typical HVAC-only replacement costs $13,250 upfront and barely lowers your energy bills. A whole-home energy upgrade through HomeWise costs $146/mo at 0% interest, includes HVAC + insulation + water heater + more, and saves you ~$150/mo on energy. You come out ahead every month.
What's Included
A whole-home upgrade covers every major energy system in your home.
Heat Pump or HVAC
High-efficiency heating and cooling system
Insulation
Attic, walls, and basement insulation
Water Heater
Heat pump water heater upgrade
Air Sealing
Professional sealing of all gaps and cracks
How the Rebates Stack
Stack rebate programs for maximum savings — then finance the rest at 0% interest.
NJ Whole Home Energy Solutions
Comprehensive rebate covering heat pump, insulation, air sealing, and water heater upgrades
Up to $7,500
Building Decarbonization Program
For heat pump additions — stack with Whole Home for up to $17,500 total
Up to $10,000
Total Potential Rebates
Up to $17,500
0% Interest Financing
NJ utility program — up to $75,000 when stacking with heat pump projects
The HomeWise Difference
A whole-home upgrade involves multiple trades and complex rebate paperwork. HomeWise manages the entire project so you do not have to.
- Vetted contractors for every trade — HVAC, insulation, plumbing
- Single project manager coordinates everything
- All rebate applications filed on your behalf
- Quality inspections at every stage
- One point of contact from start to finish
Frequently Asked Questions
How is this different from just replacing my HVAC?
A whole-home upgrade addresses your entire energy envelope, not just one piece of equipment. By combining insulation, air sealing, HVAC, and water heater upgrades, you qualify for dramatically larger rebates and achieve much greater energy savings.
How can it cost nearly the same as equipment-only?
Equipment-only HVAC costs $13,250–$18,000 with ~$200 rebate, and you pay $10k+ out-of-pocket. Whole-home upgrade: $25,000–$32,000 with $7,500 rebates = $17,500–$24,500, and you can leverage 0% financing so it ends up being ~$146/mo with no out-of-pocket expense! Plus you get HVAC, insulation, water heater, smart thermostat, and more.
How long does a whole-home upgrade take?
About 4 weeks from start to finish. Weeks 1–2: Home energy assessment, custom project design, and rebate paperwork. Weeks 3–4: Installation — scheduled on a first-come, first-served basis. The sooner you sign up, the sooner we can lock in your installation slot.
Do I need to do everything at once?
While doing everything together maximizes your rebates, we can phase the work if needed. However, the Whole Home Energy Solutions program rewards comprehensive upgrades, so bundling typically delivers the best financial outcome.
Ready for a Complete Home Transformation?
Get a free energy assessment and see exactly how much you can save with a whole-home upgrade.