Mass Save HEAT Loan Massachusetts
The Mass Save HEAT Loan offers 0% interest financing up to $25,000 for eligible energy efficiency upgrades in Massachusetts. Start with a no-cost home energy assessment to determine qualification.
Mass Save HEAT Loan Financing in Massachusetts
What Is the Mass Save HEAT Loan?
The Mass Save HEAT Loan is a 0% interest financing program available to eligible Massachusetts homeowners completing approved energy efficiency improvements. The program helps reduce upfront costs for upgrades such as insulation, air sealing, and high-efficiency heating systems.
Homeowners may finance up to $25,000, with repayment terms typically ranging from two to seven years depending on the participating lender.
The program is administered by the Sponsors of Mass Save and must be coordinated through a certified Mass Save contractor.
Energy Improvements Eligible for HEAT Loan Financing
Financing may be available for qualifying improvements, including:
- Insulation and air sealing (weatherization)
- Heat pump heating and cooling systems
- Heat pump water heaters
- High-efficiency boilers and furnaces
- Pre-weatherization barrier removal such as knob-and-tube wiring replacement
- Vermiculite insulation removal
Eligibility depends on the recommendations provided during the home energy assessment.
Who Is Eligible for the Mass Save HEAT Loan?
To qualify for HEAT Loan financing in Massachusetts, applicants must:
- Own a 1–4 unit residential property
- Be a customer of a participating Massachusetts utility
- Complete a Mass Save home energy assessment
- Apply through a participating lender
Participating utilities include Eversource, National Grid, Liberty Utilities, Unitil, Berkshire Gas, and Cape Light Compact.
Loan approval is determined by the lender.
Start Your Online Energy Assessment
How to Apply for Mass Save HEAT Loan Financing
The application process begins with a no-cost home energy assessment.
Step 1: Schedule a Mass Save Home Energy Assessment
An approved contractor evaluates your home and identifies qualifying improvements.
Step 2: Receive Your Energy Report
You will receive documentation outlining recommended upgrades and rebate eligibility.
Step 3: Apply Through a Participating Lender
The HEAT Loan application is submitted to an approved lender offering 0% interest financing.
Step 4: Complete Approved Upgrades
Once financing is approved, improvements are installed in accordance with Mass Save program standards.
Working With a Certified Mass Save Contractor
Colt Home Services provides Mass Save HEAT Loan coordination throughout Greater Boston and surrounding Massachusetts communities. We conduct assessments, prepare required documentation, and ensure upgrades meet program guidelines.
Service areas include Boston, Newton, Needham, Wellesley, Natick, Weston, Wayland, and Dover.
Call (617) 446-3690 or Schedule Your No-Cost Energy Assessment
Need a plumber too?
A failing water heater or boiler is often both a plumbing job and a Mass Save conversation. See water heater installation and boiler repair.
Common questions
Who is eligible for Mass Save rebates?
Homeowners who are customers of a participating Massachusetts utility, live in a one- to four-unit residential property, and complete a no-cost home energy assessment with an approved contractor. Eligible rebates are outlined after the assessment, based on the home's condition and recommended improvements.
What is a Mass Save no-cost home energy assessment?
A visit that reviews insulation, air leakage, and heating and cooling systems to identify efficiency improvements and rebate eligibility. Afterward you receive a written report outlining recommended upgrades and available incentives.
What rebates are available through Mass Save?
Mass Save offers incentives for qualifying upgrades such as heat pumps, insulation and air sealing, and certain ENERGY STAR equipment, plus HEAT Loan financing. Exact amounts and eligibility are set by the program and confirmed during your assessment; see MassSave.com for current offers.
What is the Mass Save HEAT Loan?
A Mass Save program loan offering 0% interest financing, up to program limits, for eligible energy efficiency upgrades such as heating systems, heat pumps, insulation and air sealing. Eligibility is determined after a home energy assessment.
Why work with Colt Home Services?
Colt is an owner-operated Mass Save Home Performance Contractor based in Waltham. We provide home energy assessments, insulation and air sealing in line with Mass Save program guidelines, give you clear written recommendations, and help with rebate documentation.
How do I schedule a Mass Save home energy assessment?
Call (617) 446-3690, Monday through Friday from 8am to 8pm, or book online.
