CT Green Bank – in partnership with Energize CT and participating local lenders and contractors – offers long-term, low-interest financing to help you upgrade your home’s energy performance with no money down.

• Unsecured personal loan (no lien is placed on the property)
• Fixed monthly payments
• No pre-payment penalty

As part of the Spring Special Offer, 0% financing is available for:

• Income-qualified homeowners. Please click here for income limits by town and household size.
• Homeowners eligible for assistance with crumbling foundations. Please click here to learn more.

*15 and 20 year terms are available on standard rates. Lender participation varies.
**APR=Annual Percentage Rate. Please note that the interest rates shown here are available to borrowers with a satisfactory credit history. Subject to other terms and conditions. Other restrictions may apply.

A Smart-E Loan makes it easy to improve the comfort of your home and lower your energy costs!

Here are just a few examples of the many home energy upgrades made possible by Smart-E. Click here for a complete list of eligible improvements and efficiency criteria.

Property must be:

• Located in Connecticut
• Owner-occupied
• 1 to 4 unit residential building
• Condominiums must be individually metered

Borrower Eligibility

Qualification is based on factors including, but not limited to, credit score and debt-to-income ratio (“DTI”). Note: all final underwriting decisions are made by the Smart-E lender.

Option 1: 580+ credit score, 50% DTI – from the following lenders:

Option 2: 640+ credit score, 45% DTI – from the following lenders:

1. Find a Contractor to discuss your energy improvements.
   If your contractor is not on the approved list, they should contact smarte@ctgreenbank.com to get started. Pre-approvals may reflect Standard APR.

   Using multiple contractors?
   Select one to act as your general contractor. They will help facilitate this process for you.

2. Select your home energy upgrade.
   Your contractor will work with you to be sure the improvements meet our eligibility requirements. Click here for eligible measuers list.

3. Get pre-approved by a participating lender.
   Apply directly with your selected lender before your contractor begins the project. Pre-approvals may reflect Standard APR.

4. Project technical review
   Your contractor will submit the project scope of work to the CT Green Bank for confirmation that the equipment meets eligibility requirements. The Green Bank will determine if the project qualifies for the Standard APR or Spring Special APR.

5. Close your loan with your lender.
   Your lender will reach out to schedule a loan closing once the project is approved, either for the Standard APR or Spring Special APR.

6. Contractor payments
   Contractors are paid by the loan funds, so no out-of-pocket cost is required!

Choose from these local lenders covering all of Connecticut. Click below to learn more about each institution’s service area, rates and special offers. Apply today!

	www.capitalforchange.org (860) 233-5165
	coreplus.org (860) 886-0576
	https://bankeasternct.com/ (860) 889-7381
	www.ionbank.com (203) 729-4442
	www.mscu.net (800) 761-2400
	www.nutmegstatefcu.org (860) 513-5000
	www.pnbk.com (203) 252-5913
	www.thomastonsavingsbank.com Local: (860) 283-1874 Toll-Free: (855) 344-1874
	www.unionsavings.com (203) 830-4200