Durham Green Retrofit Loans - you couldn’t design something more backwards if you tried
So I just learned how the Durham Greener Homes loan program works, and honestly, you couldn’t design something more backwards if you tried. If you put down less than 20% on your home, you’re automatically disqualified because you have default insurance (CMHC/Sagen/Guaranty)
The people who already had the money are the ones who need subsidized financing the most? It’s wild. The homeowners who actually struggle with drafty houses, foggy windows, old furnaces and real‑world affordability? Completely shut out.
If Durham Region’s goal was to design a program that misses the entire point, mission accomplished.
/Rant