Home Plus Energy Efficiency Loan Program

Want to save money with smart energy use?

The following links provide valuable information to help you get started.

Smart homeowners want to get the most value from their energy dollar. One way to increase the comfort of your home while potentially saving money is to make energy efficiency improvements.

To make this process easier, Coweta-Fayette EMC has partnered with GEMC Federal Credit Union to develop the HomePlus Loan Program, a fast and economical way to finance your energy efficient upgrades.

How do I get started improving my home?

First determine the improvements you want to make to your home and obtain an estimate for your home energy upgrades from the approved contractor list. Then complete a simple GEMC FCU HomePlus Loan application and submit it to Coweta-Fayette EMC.

Who can qualify?

Any existing homeowner receiving electrical service from Coweta-Fayette EMC who has a good credit score and payment history with the cooperative is eligible to apply for the loan.

How long does it take to process my loan application?

Once we receive your completed application, we generally process them within 24 hours. Please do not proceed with your home improvements until you have received confirmation from GEMC FCU.

What improvements can I finance through GEMC FCU?

You may finance all EMC approved energy upgrades including Energy Star rated heat pumps, water heaters and double pane windows, plus weather stripping, attic and floor insulation, caulking, duct insulation and sealing.

How and when are my contractors paid?

Coweta-Fayette EMC will verify the completion of your home improvements. You will then sign your loan documents and the check will be made payable to you and the contractor.

What is the interest rate for a HOMEPLUS loan?

Call us for interest rate information. 770-502-0226

How will I make my loan payment?

Your monthly loan payment will appear on your Coweta-Fayette EMC bill and will be applied to your HomePlus Loan.

Approved Contractors List

Since news of the COVID-19 virus hit our area, we have paid special attention to all the information coming out both on a national and local level. That includes information from our state and local government officials, as well as the information coming from the CDC and the Coronavirus Task Force.  As more information concerning the virus and its potential effects on our families and our community, comes out, we’ve made changes in how we are working to protect you and our employees. 
Effective Monday, March 23, Coweta Fayette EMC will further limit its daily work activities to include only essential services. This means we will continue responding to outages, maintaining our call center, and addressing various reliability issues. However, all other non-essential activities and services are being suspended until further notice. Our lobbies will remain closed but the drive-thrus at all locations are open. Members can still utilize our many online options to monitor account activity through our member portal, send service request or make payments. You can also download our free CFEMC app (available in the App Store or on Google Play).   
Our focus is the safety and welfare of our employees and their families, while at the same time providing you, our member, with reliable and dependable electric service. 
CFEMC knows this is a stressful time for everyone. Rest assured, we’ll continue to provide you with the reliable, dependable electric service you are accustomed to. We urge you to take precautions for the health and welfare of your family as well. Please continue good health habits such as washing your hands and sanitizing frequently touched areas. We also encourage you to practice social distancing. CFEMC prepares for a variety of crises. While this isn’t an outage situation caused by a major storm, our emergency plans are updated frequently, and we feel confident in our ability to keep your lights on while keeping both our employees and you safe.