The program is federally funded by the U.S. Department of Housing and Urban Development. To qualify, you must meet certain income requirements and have lived in your home for about a year.
Tina Chelle has lived in her Scottsdale home near 86th Street and McDonald Road for roughly 18 years.
"This house was built in 1964," explained Chelle.
She loved its charm and location. But one day she knew she had to upgrade, not just the looks, but the very foundation of her home.
"I found a lot of the insulation that was upstairs in the attic was deteriorating," Chelle said. But paying for it just was not an option financially for her. While doing research, she found Scottsdale's program and applied.
From there, a city Housing Rehab Specialist, like Chad Beougher, will come out and decipher what green upgrades need to happen.
"This is a no interest loan," Beougher explained. "They pay nothing out of pocket, except for the actual construction cost."
Beougher said the city will front green energy upgrades, like appliances, duct work, doors, windows, etc.
"Three years after the completion date of the job, 50 percent of it is deferred or forgiven," Beougher said. "And the remaining 50 percent is not due until change of title."
So, hypothetically, if you stay in the home, you will never have to pay it back.
"They can stay in the home as long as they want and never have to pay that," Beougher explained. "It's never an obligation that's over their head. We don't drive around looking for open loans or anything like that."