Energy Saver Home Loans for Qualifying Households

Massachusetts offers a low-interest loan program for financing energy saving changes to your home, the Energy Saver Home Loan Program. If your income is less than $205,335 and the changes reduce your home's energy use more than 20%, you may be eligible. Usually, whole home heat pumps show significant energy savings, as do some weatherization improvements. Learn more. 

MLP-Z Loan

The Massachusetts Department of Energy Resources is expected to launch the MLP-Z loan program in the first part of 2026. Through this program, Municipal Light Plant (MLP) customers who heat with fuels other than natural gas may be eligible to receive 0% financing up to $25,000 for 5 years for efficiency and electrification projects, including weatherization and heat pump installations. CMLP's customers may pre-apply for the loan via the Zero-Interest Energy Efficiency Loan Program website. Qualified applicants will be contacted to submit full applications once the program launches. 

Mass Save 0% Interest HEAT Loans

CMLP customers who heat with natural gas may be eligible for 0% financing for weatherization and heat pump installations through Mass Save's HEAT loan program. 

Home Equity Loans

Home improvements can be also financed by leveraging the equity in your home. There are different ways of doing this. The Federal Trade Commission describes the pros and cons of loans and lines of credit in this article. It also explains how to watch for disreputable service.