The Sponsors of Mass Save^® are buying down the interest rates to make energy efficiency more affordable for Massachusetts residents. With our HEAT Loan, you could qualify for a loan of up to $25,000 toward qualified energy efficient home improvements with terms up to 7 years, depending on your Sponsor and the loan provider.

To get started, call Mass Save at 866-527-7283 to schedule a Home Energy Assessment. A Mass Save representative will review the results of the assessment, let you know which improvements would be eligible for HEAT Loan financing, and give you all the paperwork you need.

Eligible Upgrades

The following are the HEAT Loan Eligible Services available for funding through our approved HEAT Loan Lenders:

• Heating System Replacement
• Water Heaters (including solar options)
• Central Air Conditioning and Heat Pumps
• Insulation & Replacement Windows

For a limited time only, take advantage of the Expanded HEAT Loan Offerings funded by the Massachusetts Department of Energy Resources:

• High-Efficiency Wood Pellet Boilers 
• Deeper Energy Savings for Weatherization
• Expanded 2-4 Family Loan
• Grants to Remove Asbestos and Vermiculite and Upgrade Knob & Tube Wiring

If you are a condo owner, you must be a past or present participant in the Multi-Family Program to qualify for the HEAT Loan. Download a checklist of condo owner requirements.

For National Grid & Eversource customers only, please click below to submit your HEAT Loan Application online or check on its status

• Apply for a HEAT Loan online

Already Submitted Your Loan Application?

• Check Your Loan Status

How to Apply for a HEAT Loan

We offer easy, step-by-step instructions on how to apply for a HEAT Loan.

For Eversource and National Grid customers we’ve also developed the following videos:

The above videos are specifically related to Eversource and National Grid customers. HEAT Loans are also available for customers of Cape Light Compact JPE, Unitil Electric, and Municipal Electric customers served by Columbia Gas of Massachusetts or Liberty Utilities. For more details in these service areas, please contact RISE Engineering at 508-568-1926 (Cape Cod and Martha’s Vineyard) or 800-422-5365 (all other areas).