Residential energy retrofit initiation is often stalled by an expertise gap, where homeowners lack the technical literacy required for structured building energy assessments and are thereby trapped in low-information environments with fragmented sources. To bridge this gap, this study reports a domain-specific large language model (LLM) designed to catalyze informed decision-making based solely on homeowner-accessible, natural-language descriptions, e.g., building age, size, and location. The model is created using the parameter-efficient low-rank adaption (LoRA) fine-tuning approach on a massive corpus grounded in physics-based energy simulations and techno-economic calculations from 536,416 U.S. residential building prototypes. Nine major retrofit categories are evaluated, including envelope upgrades, HVAC systems, and renewable energy installations. Validations against physics-grounded benchmarks show that the LLM consistently identifies high-quality retrofit options, achieving top-3 hit rates of 98.9% for maximum CO2 reduction and 93.3% for the shortest discounted payback year. Moreover, the model exhibits strong robustness under incomplete input conditions, maintaining stable performance even when basic dwelling descriptions are only 60% partially specified. By significantly lowering the information activation energy for non-expert users while maintaining the scientific rigor, this physics-based AI model offers a scalable pathway for parallelized, user-centered decision making, accelerating cumulative energy savings and emission reductions across community and national scales.