0% Heat Loan Program

eHEAT Loan Program provides customers the opportunity to apply for a 0% loan from participating lenders to assist with the installation of qualified energy efficient improvements in their homes. The loans are available up to $25,000 (depending on utility) with terms up to 7 years. To qualify for the loan, the customer must own a one-to-four-family residence, obtain a Mass Save Home Energy Assessment, and install qualified energy efficiency measures recommended by a Mass Save representative.

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Energy Efficiency Improvements Eligible for the HEAT Loan Program:

  • Attic, Wall, and Basement Insulation
  • High Efficiency Heating Systems
  • High Efficiency Domestic Hot Water Systems
  • Solar Hot Water Systems
  • 7-Day Digital Programmable Thermostats
  • ENERGY STAR® Qualified Replacement Windows

Required Steps

How It Works
  1. Customer must sign up for a Home Energy Assessment from an authorized Mass Save program vendor.
  2. A Mass Save representative will assess your energy efficiency improvement needs and determine what improvements are eligible for financing. The representative will provide a HEAT Loan Intake Form, Program Steps, and Minimum Standards and Requirements.
  3. Customer obtains pre-approval from a participating lender if you choose.
  4. Customer obtains written contractor price proposal(s) for the installation of the improvements.
  5. Customer forwards the proposal(s) for eligibility review and approval to your Mass Save HEAT Loan representative along with the HEAT Loan Intake Form.
  6. Once approved you will receive a HEAT Loan Authorization Form.
  7. Customer applies for the loan with a participating lender.
  8. Once customer obtains an approval from a lender the funds will be provided in the form of two party checks.
  9. Measures are installed and Mass Save representative conducts a post-installation inspection on the installed improvements.
  10. After satisfactory inspection, Customer signs check over to contractor and any additional rebates are processed.
Finding Lenders

Visit Mass Save’s participating lender list to find a lender.

  1. Minimum Standards for HEAT Loan Program
  2. Steps for HEAT Loan Program

Please call (866) 527-7283 to schedule a free home energy assessment in order to access this incentive.