I would definitely agree with the green bank recommendation. This is a model in which the federal government provides low-cost capital and a first loss responsibility, but the financing is provided through institutions that are closer to a homeowner. That could be a municipality, a utility with energy as a service option, on-bill financing or fintechs that are ready to go to work with contractors.
Obviously, we don't want a contractor to become a bank, but if a fintech can work with a contractor, the contractor can come to a homeowner and say, “If you go for the heat pump option, we can offer you a model where you pay x dollars per month.” To a homeowner, it might not be obvious that there are federal dollars behind this. You might have to give up some of the credit.
It is a way to provide those solutions in different models that work for different households. It could be that your furnace breaks and you need an emergency replacement, or you want to engage in a municipal or utility program.