Ensure your home is as energy efficient as possible for as little as possible. From heaters to insulation, your rate’s always 0%.

Key Features

  • Finance Home Upgrades
  • 0% Interest
  • Improves Energy Efficiency
  • Zero percent interest loan for all your energy-efficient home needs
  • Eligible energy efficiency improvements that could be recommended may include:
    • Attic, Wall, and Basement Insulation
    • High Efficiency Heating Systems
    • Central Air Conditioning / Air Source Heat Pumps
    • Ductless Mini Split Heat Pumps
    • High Efficiency Domestic Hot Water Systems
    • Solar Hot Water Systems
    • 7-Day Digital & Wi Fi Thermostats
    • ENERGY STAR® Qualified Replacement Windows
  • Available for loans up to $25,000
  • Flexible terms that fit your situation
  • Quick, local decision-making and processing here in Massachusetts
  • Attentive, friendly service from start to finish
  • Applies to owner-occupied 1-4 family residences only
  • Must obtain a Mass Save Home Energy Assessment
  • Max 84 month term 
  • You must sign up for a Home Energy Assessment through Mass Save.
  • A Mass Save representative will assess your energy efficiency improvement needs and determine what improvements are recommended and eligible for financing. The representative will provide a HEAT Loan Intake Form, Program Steps, and Minimum Standards and Requirements.
  • Obtain written contractor price proposal(s) for the installation of the improvements.
  • Forward the proposal(s) for review and approval to your Mass Save HEAT Loan representative along with the HEAT Loan Intake Form.
  • Once approved you will receive a HEAT Loan Authorization Form.
  • Finalize the loan and obtain two-party checks.
  • Measures are installed and Mass Save conducts a post-installation inspection on the installed improvements.
  • After satisfactory inspection, sign check over to contractor and any additional rebates are processed.

Learn More About the Process

Getting that 0% interest loan is 100% easy. To learn about the Mass Save® HEAT loan process, hit the button below.

How It Works