Mass Save's Best Kept Secret: $100K Home Loans at 2% Interest

Описание: Did you know Massachusetts homeowners can borrow up to $100,000 at as low as 2% interest to electrify their home? The Energy Saver Home Loan — offered through Mass Save® and the Mass Housing Authority — is one of the most underutilized programs in the state. Here's everything you need to know.

💡 What Is the Energy Saver Home Loan?

The Energy Saver Home Loan is a second mortgage program from Mass Save® designed for income-eligible Massachusetts homeowners who want to take on larger energy efficiency projects. Unlike the Mass Save HEAT Loan (which caps at $25,000), this program offers loans from $10,000 up to $100,000 at interest rates as low as 2% — far below what you'd find at any bank.

✅ Who Qualifies?

Income-eligible Massachusetts homeowners (income limits determined by Mass Save)

Single-family or small multi-family homes (1–4 units)

Must be a primary residence (owner-occupied or tenant-occupied rental — not short-term rentals like Airbnb)

Condos and HOA properties are NOT eligible

🔨 What Projects Are Covered?

Heat pump installation
Insulation and air sealing
Solar panels
Roof repairs that support weatherization
Upgrading heating and cooling systems

💰 Can I Still Get Mass Save Rebates?
Yes — you can stack the Energy Saver Home Loan with Mass Save rebates, including heat pump rebates up to $8,500. The loan and rebates work together.

📋 How the Process Works

Contact Mass Save to schedule a special decarbonization energy assessment
Get quotes from participating contractors (including Endless Energy)
Submit quotes to Mass Save for project approval
Mass Save releases deposit funds to start the project
Final funds released upon project completion

📞 Ready to get started? Endless Energy guides you through every step.
👉 Self-Schedule a free heat pump consultation: https://goendlessenergy.com
📞 Call us: (508) 501-9990

0:09 Endless Energy helps you with the Energy Saver Home Loan program
0:34 It's a second mortgage program offered by Mass Save through the Mass Housing Authority
0:41 Loan aims for income-eligible customers to get a low-interest loan for home improvement projects that decrease carbon reliance
0:54 Typical loan terms and rates
1:11 It is a second mortgage program, so you must use your house as collateral
1:18 What the loan covers (solar, insulation, heating and cooling systems)
1:38 Eligibility requirements (income eligible, single-family and small multi-family buildings of 1-4 units, primary residence)
2:13 Customers pursuing this loan are eligible for the same rebates as anyone else using the Mass Save program
2:38 How to use the program (contact Mass Save for a special energy assessment, get a list of contractors, obtain quotes, and get project approval)
3:50 The program releases deposit funds to the contractor and final funds when the project is complete
4:01 Who the program makes sense for (income-eligible homeowners with larger projects than the heat loan covers)
4:36 How this loan differs from a Home Equity Line of Credit

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