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How it Works

• Get preapproved for the loan with GFA. (you may apply for financing PRIOR to doing the following steps)
• Schedule a NO COST Home Energy Assessment from Mass Save by calling 866-527-7283 or by visiting their website.
• 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.
• Find a Mass Save approved contractor and obtain a proposal(s) for the energy efficient improvements you want to finance.
• Forward the proposal(s) for review and approval to your Mass Save HEAT Loan representative along with the HEAT Loan Intake Form.
• If your improvements qualify, you will receive a Mass Save HEAT Loan Authorization Form. Bring this with you to GFA along with any other stipulations required for financing and finalize your loan.
• Schedule your contractor to complete the work within 90 days.
• Once complete, pay your contractor with the 2-party check supplied by GFA.
• A Mass Save representative will then conduct a post-installation inspection on your new energy efficiency improvements.
• After a satisfactory inspection, sign the check over to your contractor and any additional eligible rebates are processed.

HEAT Loans are available to customers of Cape Light Compact, Eversource, National Grid, Unitil Electric, and municipal electric customers served by Columbia Gas of Massachusetts or Liberty Utilities.

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*Annual Percentage Rate (APR). Monthly payment based on a loan amount of $5,000.00 at 0.00% APR and a repayment term of 84 months is $59.52. Maximum unsecured loan amount $25,000.00. All loans subject to meeting Mass Save Heat Loan Program guidelines. Heat Loan Program requires a Home Energy Assessment from a Mass Save Energy Specialist; to schedule your assessment call 866.527.7283. Financing is subject to credit approval. Additional terms and conditions may apply.

Customers must meet program eligibility requirements to participate. Eligibility for the HEAT Loan Program is based on completing a Home Energy Assessment and pre-approval. Some restrictions apply and offers are subject to change or cancellation. Financing is subject to credit approval. Additional terms and conditions apply. Visit MassSave.com/HEATLoan or call 1-866-527-SAVE (7283) for details and to learn more about the program.