My Home

1. Application Process Update (Effective Jan 1, 2026)
Applications must be submitted on-line by the applicant or by the NGEMC Energy Services team. One applicant per application. Applicant must be on the property deed and primary NGEMC account holder.

2. How to Apply
Visit the EnergyRight website. Next, click “Check your eligibility,” or visit your local NGEMC office.

3. Required Documentation
Upload or submit: Photo ID, most recent power bill, and property deed.

4. Electronic Signature Process
You will receive a DocuSign® link via email or text. Respond within 30 days or the application will be voided. Mobile homes must be on permanent foundation. Reverse mortgage homes require written permission from financial institution.

5. Application Fee
A nonrefundable $25.00 fee will be billed to your NGEMC electric account.

6. Contractor Selection
You may select a contractor during application (not required). Approved contractor list at EnergyRight.com. NGEMC can provide a monthly payment breakdown.

7. UCC Filing
NGEMC will file a UCC Financing Statement with your county. A lien will be placed on your property for the life of the loan. Filing fees are added to the loan amount.

8. Finalizing the Loan
After contractor invoice submission, NGEMC will contact you to sign final paperwork.

9. Cancellation Period
You have three business days (excluding holidays) to cancel the loan and pay the contractor directly.

10. Loan Repayment
Payments added to monthly bill. Extra payments can be made once a month (advise NGEMC or it remains a bill credit). Loan is separate line item on bill.