A Smart-E Loan makes it easy to enjoy a healthy, comfortable, resilient, and energy efficient home. We partner with a network of local contractors and lenders to offer low-interest financing with fixed monthly payments to help you upgrade your home.
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| No money down | Low-interest financing | Easy to apply |
A Smart-E Loan makes it easy to enjoy a healthy, comfortable, resilient, and energy efficient home. We partner with a network of local contractors and lenders to offer low-interest financing with fixed monthly payments to help you upgrade your home.
|
|
|
| No money down | Low-interest financing | Easy to apply |
| Loan Terms | 5 years | 7 years | 10 years | 12 years | 15 years* |
| Standard APR | 6.99% | 6.99% | 6.99% | 7.49% | 7.99% |
| Loan Terms | Standard APR |
|---|---|
| 5 years | 6.99% |
| 7 years | 6.99% |
| 10 years | 6.99% |
| 12 years | 7.49% |
| 15 years* | 7.99% |
* Lender participation varies on offering 15-year terms.
We have pre-qualified lenders ready to help you finance your next project.
A Smart-E Loan can be used for over 90 home energy and resiliency-related improvements, including insulation, windows, heat pumps, solar panels, floodproofing, plumbing and more. You can also use up to 25% of your loan for non-energy related measures and healthy home improvements, such as new ENERGY STAR® appliances, lead removal, or roof repairs in advance of going solar. (The current maximum loan amount for Smart-E is $50,000.)
See where you can save by selecting a category below.
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Home Performance and Efficiency including Insulation, Windows, Fortified Roofs, more> |
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Heating and Cooling > |
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Water Heating > |
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Health and Safety > |
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Solar > |
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Resilience > |
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Septic Systems & Wells > |
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Floodproofing > |
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Battery Storage > |
To be eligible for a Smart-E Loan, your home must be:
Qualification is based on factors including, but not limited to, credit score and debt-to-income ratio (DTI). All final underwriting decisions are made by the lender. Some improvements may require you to complete a Home Energy Assessment before you are eligible for a Smart-E Loan.
Tip: Consider getting a Home Energy Solutions (HES) assessment. Professionals will point out areas that could improve your home’s performance and provide information on any available rebates.