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Mass Save Heat Loan

The HEAT Loan Program provides consumers the opportunity to apply for a 0% loan to assist with the installation of qualified energy efficient improvements in their homes. The loans are available up to $25,000.  Available in Various terms.

To qualify for the loan, the customer must own a one-to-four-family residence, obtain a Mass Save Home Energy Assessment, and install qualified energy efficiency measures recommended by a Mass Save representative. Additional qualifications and restrictions may apply. Customers should visit the Mass Save website,, for program details and requirements.

Heat Loan Terms  – Maximum Debt to income (DTI) ratio of 40%