one of the most commonly cited problem with people making investments in renewable energy and energy efficiency is first cost. nrgeneration has partnered with public and private lending institutes to give everyone the option for financing. nrgo! certified financing partners are helping us to set this business model up in texas and duplicate it across the country as we expand our organization. this model is based around utility companies and banks that finance energy efficiency and renewable energy projects for commercial and residential customers. we are going to partner with local utility companies, states, cities and banks to bring the concept to fruition. we have also partnered with mortgage banks and lenders to facilitate energy efficient mortgages to help homeowners refinance their homes and make the energy efficient upgrades that they need to or build the zero energy use home of their dreams!