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Energy Conservation Loan Program

 
Type
Home
 
Category
  • Financing
  • Gas Water Heating
  • Heating & Cooling
  • Help for Income Eligible
  • Hot Water
  • Insulation
  • New Construction or Major Renovation
  • Renewable Energy

This program for income-qualified consumers offers below market interest rate terms for the purchase and installation of cost-saving energy efficient improvements for single or multi-family homes.

Additional Details

**Effective 12/28/2017, the ECL loan program is limited to emergency situations only (non-working heating systems and leaking roofs). Applicants must be ineligible for other programs in order to qualify for an emergency loan**

Energy Conservation Loans finance energy conservation improvements for low- and moderate-income single-family (1-4 units) home owners. This program is funded by the Connecticut Department of Housing (DOH) and is administered by Capital for Change, Inc (C4C). This loan may be used to finance energy efficient home improvements up to $25,000 at below-market interest rates. Zero-percent interest rate loans are available for higher-efficiency boilers and furnaces.

Income Limit

This is an income-restricted program. Please Capital for Change, Inc. for the current income limits by town and household size.

Loan Amount and Term

Single family (1-4 units) homeowners may borrow between $400 - $25,000 for a period of 10 years for eligible improvements. 

Eligible Improvements

The following are the emergency improvements eligible under the ECL program as of 12/28/2017:

  • Replacement of non-operational heating system
    • 0% interest for furnaces/boilers that meet efficiency minimum of ENERGY STAR® rating for natural gas or > 84% efficiency rating for oil/propane
    • Applicant must not be eligible for alternate heating loan products (Smart-E loan and EnergizeCT  Heating Loan)
  • Replacement of leaking roof

The emergency status of the project must be verified by the contractor who will install the replacement, and all work must be completed by a C4C Participating Contractor.

Apply for a Loan

Heating system applicants must apply for a Smart-E loan or an EnergizeCT Heating loan before they will be considered for an emergency ECL loan.

Roofing applicants must contact C4C directly by phone to apply for emergency consideration. Please call 860-233-5165, extension 2002 for more information. Our office hours are Monday - Friday, 9am-5pm. 

**Effective 12/28/2017, the ECL loan program is limited to emergency situations only (non-working heating systems and leaking roofs). Applicants must be ineligible for other programs in order to qualify for an emergency loan**

 

Eligible Improvements

The following are the emergency improvements eligible under the ECL program as of 12/28/2017:

  • Replacement of non-operational heating system
    • 0% interest for furnaces/boilers that meet efficiency minimum of ENERGY STAR® rating for natural gas or  84% efficiency rating for oil/propane
    • Applicant must not be eligible for alternate heating loan products (Smart-E loan and EnergizeCT  Heating Loan)
  • Replacement of leaking roof

The emergency status of the project must be verified by the contractor who will install the replacement, and all work must be completed by a C4C Participating Contractor.

 

Call 877-WISE-USE (877-947-3873) for more information. 

 

HES Payment Plan (Micro) Loan Financing Program

 
Type
Home
 
Category
 
Financing
0% Interest
  • Financing
  • Gas Water Heating
  • Heating & Cooling
  • Help for Income Eligible
  • Hot Water
  • Insulation
  • Renewable Energy

With up to 3 years to repay these 0.0% loans from $1,000 to $3,000, and the ability to make loan payments through your utility bill, financing energy-saving improvements to your home couldn’t be easier.

Additional Details

If you have been impacted by the COVID-19 crisis and need to defer your loan payments for this program, please contact your electric utility. Eversource customers should call 1-800-286-2000 and UI customers should call 877-WISE-USE (1-877-947-3873).

It’s never been easier to pay for energy-saving home improvements. Zero-interest loans let you upgrade your home and enjoy lower energy costs right away.

Loans may be for $1,000 to $3,000 and funding will be used for conducting qualified improvements/ equipment replacements. Non-listed work directly related and necessary to the installation of the listed qualifying measures may be financed along with the qualifying measure at the applicable interest rate - (capped at 20% of the total loan amount).

Loan Terms:

  • $1,000 to $3,000 loan amount*
  • 0% interest rate**
  • 3 year (36 months) repayment term

Who is Eligible?

  • Eversource and UI electric customers
  • Applicants must own a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut
  • Applicants must participate in the Home Energy Solutions ℠ Program  (Call 877-WISE-USE (877-947-3873) to arrange a Home Energy Solutions assessment for your home) 
  • Projects that are underway or completed will not qualify for financing. Please do not schedule your project until after you have received your loan documents

Participating Contractors

Visit Capital for Change, Inc (formally called Connecticut Housing Investment Fund) for a list of participating contractors.

How to Apply

Apply online at Capital for Change, Inc for a 0% HES loan

Type 1 Improvements

The 0% loan is limited to the measures listed below. 

  • High Efficiency Insulation - Must conform to current Home Energy Solutions rebate requirements. 
  • ENERGY STAR® Ductless Heat Pumps - Must meet the EnergizeCT Ductless Heat Pump rebate criteria.
  • ENERGY STAR Electric Heat Pump Water Heaters - Energy Factor (EF) 2.4 or greater
  • ENERGY STAR Tankless Natural Gas Hot Water Heaters - 0.94 Energy Factor (EF) or greater.
  • Indirect/Combination Water Heaters attached to a natural gas ENERGY STAR® boiler - 90% (AFUE) or greater.
  • ENERGY STAR Natural Gas Condensing Storage Tank - 95% Thermal Efficiency or greater.
  • Visit Capital for Change, Inc  for a detailed listing of Eligible Improvement Measures

To learn more about the financing program and how to apply, visit the Capital for Change, Inc website. 

* Subject to credit approval by Capital for Change, Inc.

**Interest rate of loan is based on the qualifying measure being financed.

Call 877-WISE-USE (877-947-3873) for more information. 

If you’re a Connecticut resident and a residential customer of UI or Eversource you could be eligible. To participate, you must own and occupy a single-family home or a multifamily home up to four units, including condos. Vacation homes also qualify.

To qualify for financing, your home improvements must be recommended through the Home Energy Solutions program and be installed by an approved contractor.

To learn more about the financing program and how to apply, visit the Capital for Change, Inc  website. 

If you are a Connecticut resident and are not served by one of the utilities listed above, please visit your municipal utility's website to see what energy efficiency programs are available to you.

Home Energy Solutions - Income Eligible

 
Type
Home
 
Category
  • Appliances & Electronics
  • DOE Home Energy Score
  • Energy Assessment (Audit)
  • Heating & Cooling
  • Help for Income Eligible
  • Hot Water
  • Insulation
  • Lighting
  • Rebates
Energy assessment (audit), no-cost energy upgrades for income-qualified homeowners and renters.

Additional Details

In-home services have resumed with health and safety guidelines in place.

Please visit our Energize CT COVID-19 Energy Efficiency Program Update page for more information and frequently asked questions or visit:

Virtual pre-assessment to Home Energy Solutions is now being offered as a safe, convenient first step for you to make energy-saving improvements. This pre-assessment is available through live, virtual discussions with a technician at no cost. Connect with us to learn more about how we can help you reduce your energy costs.

Is your home drafty and cold in the winter? Does it need more insulation? Do your energy bills feel overwhelming? We can help.

If your family’s combined gross annual income is below the state’s 60 percent income median (see the "Who is eligible" section below), you may qualify for no-cost energy-saving services. A technician certified by the Building Performance Institute will come to your home and make energy-saving improvements to reduce drafts and help you save on your lighting and hot water bills.

If your home qualifies for additional services such as insulation or a more energy-efficient refrigerator, they will arrange for contractors to come back to your home and do the work. Depending on your circumstances, you may receive these services at no cost.

Read "How it works" below to find out how to sign up.

Call 877-WISE-USE (877-947-3873) for more information.

Six Steps to Take Smart Energy Action

Check the “Who is Eligible” section below to see if you qualify for this no-cost program.

Submit an application to your local utility online, by phone or by mail. To apply:

  • Online, click the link of your utility provider:

Eversource     UI     CNG     SCG

If you rent, we will need your landlord to sign a form giving us permission to perform the energy-saving services. You are responsible for getting your landlord’s signature on the form.

If you receive fuel-assistance through your local Community Action Program (CAP) agency, you may also apply through their office.

Your utility will review your application. If you qualify, they will assign an authorized contractor or your CAP agency will contact you and ask you to provide them with your name, address and contact information. If you do not qualify, the utility will contact you and suggest other programs that might help you.

A local utility-authorized contractor or your CAP agency will contact you to schedule your service with a certified technician.

(Note: Because of high demand for this program, there may be a waiting list. The program is subject to available funding.)

  • The home energy checkup begins with important safety tests on your furnace and water heater.
     
  • Next, the technician pinpoints drafts and air leaks using a blower-door test. Then they seal the leaks to reduce the drafts.
     
  • If you have forced hot air or central air conditioning, the technician tests your ductwork to check air flow and seals any major leaks.
     
  • The technician may install hot water-saving devices, including low-flow showerheads and faucet aerators, and energy-efficient lighting (subject to program caps).
     
  • The visit ends with a kitchen table wrap-up. The technician reviews the work done around your home and discusses any deeper energy-saving measures they plan to install. These may include:
     
    • Insulation
       
    • ENERGY STAR® certified appliances to replace old, inefficient appliances. This may include refrigerators, freezers and dehumidifiers.
       
    • Gas heating system burner and furnace repairs or replacements (limited to Eversource and CNG customers)
       
    • ENERGY STAR certified windows to replace single-pane windows if you use electric heat or gas heat exclusively (Windows may require a co-payment.)
       
  • The technician gives you a Home Energy Solutions program booklet, which shows the areas of your home that were serviced during the visit. It includes information about easy ways to save energy wherever you live, and it contains utility and state resources that can help make your energy bills more manageable.

If your home qualifies for additional energy-saving measures, then your contractor will install them. A different contractor may do the work, but your technician will make all of the arrangements.

One of the additional energy saving measures may be an ENERGY STAR certified Heat Pump Water Heater. Learn more about Heat Pump Water Heaters.

In some cases, your landlord may be asked to pay some of the costs of these deeper energy-saving measures.

That’s it!  Your savings begin with your energy checkup, so don’t delay. Sign up now.

Call 877-WISE-USE (877-947-3873) for more information.

Who is Eligible?

Residential customers of Eversource, UI, CNG and SCG who meet income-eligibility requirements may qualify for this program. To determine if you are income-eligible, locate your family size on the chart below and the dollar amount next to it. If your family’s combined gross annual income does not exceed this amount, you meet the state’s 60 percent income median and qualify for the program.

Income Guidelines for the 2020–2021 Fuel Season
Yearly Income Limits All Household Members)

Family Size Maximum Annual Income
1 Under $37,644.67
2 Under $49,227.64
3 Under $60,810.62
4 Under $72,393.60
5 Under $83,976.57
6 Under $95,559.55
7 Under $97,731.36
8 Under $99,903.16

Assets, like your home and car, are not included.

You may also qualify if you meet your utility’s hardship criteria. Please contact your utility to find out more.

Applying is easy. Just submit your completed application form to begin:

Eversource     UI     CNG     SCG

If you rent your home, your landlord must complete the Landlord Service Agreement that is included with the application.

If you have received an HES energy checkup on your home within the last 36 months, you may not be eligible to participate again.

If your family’s combined gross annual income is above the state’s 60 percent income median, you may qualify to participate in Home Energy Solutions - Core Services for a co-pay.

If you are a Connecticut resident and are not served by one of the utilities listed above, please visit your utility’s website to see what energy efficiency programs are available to you. Please click here for information on how to contact your municipal utility.

Call 877-WISE-USE (877-947-3873) for more information

WE ALSO OFFER TWO SIMILIAR PROGRAMS:
Home Energy Solutions - Core Services

No matter how you heat your home, there’s an easy way to lower your energy bill that’s also good for the environment, and it can even make your home more comfortable. Home Energy Solutions offers on-the-spot services to homeowners and renters for immediate savings. For a limited time, Home Energy Solutions is available to eligible customers at no-cost. You may also receive up to 100% off approved insulation projects recommended during your visit. We empower you with recommendations and resources for deeper savings, too. Learn more about this program.

Multi-family
The multi-family building (5+ units) you live in or own may be eligible for energy-efficiency upgrades through more than one program. This one-stop program brings them all to your door, making it easy for you to save energy. Learn more about this program.

Home Performance with ENERGY STARENERGY STAR® is the simple choice for energy efficiency. For more than 20 years, people across America have looked to the ENERGY STAR program for guidance on saving energy, saving money, and protecting the environment. Home Performance with ENERGY STAR is a systematic approach to improving energy efficiency and comfort in homes, while reducing the greenhouse gas emissions that contribute to climate change.

Join the millions already making a difference at energystar.gov.

 

If you are struggling to pay your monthly energy bill, Eversource and UI offer programs to help. You can learn more about these programs on your utility website: Eversource  UI

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