Energy Saver Home Loan Program (ESHLP)
Affordable Clean Energy Financing in Massachusetts
The Energy Saver Home Loan Program (ESHLP) is a groundbreaking statewide financing option that helps eligible Massachusetts homeowners reduce energy use, lower utility bills, and transition to clean energy technologies — all without large upfront costs.
Whether you’re considering heat pumps, insulation upgrades, solar, or comprehensive weatherization, this program makes it easier and more affordable to act now.
What Is the Energy Saver Home Loan?
There are a few critical steps for homeowners seeking a Mass Save HEAT Loan. Luckily Endless Energy’s staff can help you with each step along the way.The Energy Saver Home Loan Program is a low-cost, long-term financing solution for home energy improvements. Unlike other loans, it’s specifically designed to help homeowners:
- Cut overall energy consumption
- Reduce reliance on fossil fuels
- Improve comfort and indoor air quality
- Maximize available rebates and incentives
All while keeping monthly payments manageable with flexible terms and no cash down.
Who Qualifies?
This program is available to income-qualified Massachusetts homeowners — including single-family homes and small multifamily properties (up to 4 units). Eligibility is based on household income relative to area median income, making it a powerful tool for low- and moderate-income households across the Commonwealth.
How It Works
Energy Assessment — A qualified service provider evaluates your home’s energy performance and identifies improvements that can cut energy use by at least 20%.
Project Planning — Together, you create a tailored improvement plan.
Apply for Financing — The loan covers approved upgrades with no upfront cash required and bridges the gap while rebate dollars are processed.
Implementation & Support — Ongoing guidance helps you coordinate contractors, rebates, and incentives from start to finish.
Key Features & Benefits
✔️ Loans from $10,000–$100,000 — Enough to support major home upgrades.
✔️ Low Interest Rates (0.5–2%) — Based on income level, significantly below typical home improvement loans.
✔️ 20-Year Term — Lower monthly payments that fit your budget.
✔️ 18-Month Interest-Only Starter Period — Provides financial flexibility as rebates and tax credits arrive.
✔️ No Cash Down — Finance the full project cost upfront.
✔️ Guided Support — Concierge-style service through every step.
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