Energy Efficiency Loan Programs Energy Efficiency Financing for
Energy Efficiency Loan Programs Energy Efficiency Financing for 1-4 Family Homes Energy Conservation Loan (ECL) Smart-E Loan EnergizeCT HES Heating Loan Payment Plan (Micro) Loan ECL Program - Eligibility **HEALTH/SAFETY ONLY** Non-operational heating system Leaking roof Connecticut residents only
Income restricted (Maximum 110% AMI) Secured Loans $400-$25,000 Loan term up to 10 years Interest rates 0% - 3% No minimum FICO score ECL Health/Safety only Non-qualified applicants with emergency situations Non-operational heating system
Leaking roof Must NOT qualify for Smart-E or EnergizeCT Heating loan to receive ECL exception Waiver of most credit requirements Deferred payment options available Additional documentation required: Contractor must verify emergency (letter or note on estimate) Smart-E Loan - Eligibility Available statewide
Eversource customers can add loan payment to electric bill Owner-Occupied Properties only** No income restrictions Unsecured Loan $500 -$40,000 Terms of 5 12 years available 4.49% - 6.99% interest rate Minimum 580 FICO score Minimum 640 for loans > $25,000
Smart-E Eligible Improvements High Efficiency Insulation Window Replacement Duct Sealing / Air Sealing Solar PV System Gas Conversions Solar Hot Water System High Efficiency Boiler /
Furnace Electric Vehicle Recharging Station Central Air Conditioning Heat Pump Natural Gas Vehicle Refueling Station Heat Pump Water Heater ENERGY STAR Appliances
Indirect Water Heater (NG only) Asbestos / Mold Remediation Roof Repair (25% limit) Tree Removal (for solar On-Demand Tankless Water **Directly related work up to 25%projects) of total project cost Heater (NG/Propane only) may be included in loan** EnergizeCT Heating Loan Eversource and UI electric customers only
Unsecured 0.99% Loan $1,000 - $15,000 interest, 3-10 year term Minimum Payment 10% down payment added to monthly electric bill No income restrictions No credit review Electric utility payment history review EnergizeCT Heating Loan Eligible Improvements Boiler/Furnace Oil, Natural Gas, Propane Air Source Heat Pump
Geothermal Heat Pump Ductless Heat Pump Propane Tank (purchase only) **All improvements subject to efficiency requirements: https://ctheatloan.com/ HES Payment Plan (Micro) Loan Eversource and UI electric customers only Unsecured 0% Loan $1,000 - $3,000 interest, 3 year term
Payment added to monthly electric bill No income restrictions No credit review Electric HES utility payment history review assessment required HES Micro Loan Eligible Improvements High Efficiency Insulation ENERGY STAR Natural Gas ENERGY STAR Ductless Heat Pumps
ENERGY STAR Electric Heat Pump Water Heaters ENERGY STAR Tankless Natural Gas Hot Water Heaters Indirect/Combination Water Heaters attached to an ENERGY STAR boiler Condensing Storage Hot Water Tank **Related work up to 20% of total project cost may be included in loan** C4C Loan Process Apply online: www.capitalforchangeapp.org If unable to apply online, borrowers may call (860) 233-5165, ext 2002 Files are underwritten within 2-3 business days
Notification of pre-approval and/or additional documents needed sent via email Closing documents are emailed/mailed to the borrower for signatures Once documents are signed, contractor is given permission to start project* Must be a participating contractor on C4Cs list Work must be completed within 60 days Extensions must be requested in writing Once work completion is verified, C4C pays contractor in full* *Smart-E: 1/3 of project paid upon document signing, Remaining 2/3 after work completed Questions? Thank you Please check our website for updates www.capitalforchange.org Capital For Change, Inc. 121 Tremont St. Hartford, CT 06105 860-233-5165 ext. 2002 [email protected]
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