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The EnergySpark home loan is one of the greenest home loans offered by the Washington State Housing Finance Commission (WSHFC). The EnergySpark home loan is a type of Energy Efficient Mortgage (EEM), which helps home buyers save energy and money when they buy a home.

Owning an energy-efficient home helps cut costs on utility bills and increases the resale value of your home. With the EnergySpark home loan program, borrowers have the additional benefit of being able to save .25% percent on their interest rate* and still be able to qualify for down payment assistance. EnergySpark works in conjunction with the Home Advantage loan and down payment assistance program.


How to Qualify for the EnergySpark Home Loan

  • Household income must be under $145,000.
  • Have a minimum credit score of 620.
  • Purchase a new home** that exceeds Washington state energy standards (by at least 15%) OR
  • Purchase an older home*** that can be updated to save 10% on energy costs over its current use.
  • Attend a WSHFC-sponsored Home Buyer Education Seminar.

Additional Resources

WSHFC EnergySpark
WSHFC Home Advantage
Home Buyer Education Seminars
Summit Mortgage Corporation is proud to offer the EnergySpark home loan as one of our green home loan products. Learn more about eligibility and how to apply by contacting one of our Vancouver mortgage bankers today.


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*The commission may not be able to offer a .25% interest rate reduction on all days and on every rate.

**New Construction Qualifications: Northwest ENERGY STAR Homes, LEED for Home Silver, Gold or Platinum, Zero Energy Ready Home (Department of Energy), Passive House Northwest, and BuiltGreen Washington (3, 4 or 5 Star Certification).

***Existing Construction Qualifications: You’ll work with us to make improvements that upgrade the home’s energy efficiency by at least 10% (based on an energy audit). Per underlying mortgage guidelines and subject to lender approval.