Skip to main content

Practice Tools

This is the California Residential HERO program application form issued in July 2016. The HERO program, commonly called a PACE program, is a program where a homeowner receives financing for energy efficiency improvements paid by the homeowner and payments are made through the homeowner’s property tax payments.  PACE programs have been associated with numerous abuses.

pdf

This is the California Residential HERO program handbook issued July 2016 (version 2.1).  The HERO program is commonly called a PACE program where a homeowner receives financing for energy efficiency improvements paid by the homeowner and payments are made through the homeowner’s property tax payments.  PACE programs have been associated with numerous abuses.

pdf

This is the California Residential HERO program handbook issued in October 2016 (version 2.4).  The HERO program is commonly called a PACE program where a homeowner receives financing for energy efficiency improvements paid by the homeowner and payments are made through the homeowner’s property tax payments.  PACE programs have been associated with numerous abuses.

pdf

This is the California Residential HERO program application form issued in December 2017. The HERO program, commonly called a PACE program, is a program where a homeowner receives financing for energy efficiency improvements paid by the homeowner and payments are made through the homeowner’s property tax payments.  PACE programs have been associated with numerous abuses.

pdf

This is the California Residential HERO program handbook for 2018.  The HERO program is commonly called a PACE program where a homeowner receives financing for energy efficiency improvements paid by the homeowner and payments are made through the homeowner’s property tax payments.  PACE programs have been associated with numerous abuses.

pdf

Back-a-Boiler offers to pay towards a student’s education costs in return for a percentage of the student’s future earnings, called an income share agreement.  Back-a-Boiler advertises this as not a loan or credit.  The terms vary depending on the college major, and this document sets out a range of earnings for various college majors.

pdf

Back-a-Boiler offers to pay towards a student’s education costs in return for a percentage of the student’s future earnings, called an income share agreement.  Back-a-Boiler advertises this as not a loan or credit.  This is a sample two-page final disclosure of the terms sent to a student who agrees to participate.

pdf

Back-a-Boiler offers to pay towards a student’s educations costs in return for a percentage of the student’s future earnings, called an income share agreement.  Back-a-Boiler advertises this as not a loan or credit.  This is a sample two-page initial disclosure of the terms sent to a student who agrees to participate.

pdf