Energy Efficiency To make the most of solar-power, most experts advise homeowners to upgrade the energy efficiency of their homes as well, with measures like adding insulation, reducing air leakage, and upgrading heating/air conditioning. Talk to your loan officer about bundling these improvements with your solar loan. Learn more for the US Environmental Protection Agency about how to choose the best energy efficiency improvements for your home at this link: Home Performance with Energy Star. How to Apply? To apply for a home solar loan, call us 800.966.7353, contact your local branch or use our online contact form.