What Can You Upgrade with the Energy Saver Home Loan?

With the Energy Saver Home Loan, you get more than just financing. You get a dedicated Concierge Service Provider—like CET—who walks with you from idea to completion. But what exactly can you cover with the loan?

Low-Interest Rates Based on Your Income

Qualified homeowners can access a fixed 20-year loan with interest rates as low as 0.5% or 2.0%, depending on household income and location—with no down payment required.

The rate will depend on the income of all the people listed on the property deed.

Couple siting on a couch turning on a mini split

Let’s do the Math with .5%

A homeowner with a $50,000 loan at 0.5% interest pays just $20.83 /month in interest for the first 18 months, followed by $235.85 /month in principal and interest for the remainder of the 20-year term.

And here’s the key: Monthly loan payments are often less than the energy savings generated by your home upgrades—so the improvements can essentially pay for themselves.

Disclaimer: Actual savings and monthly payments may vary based on your home, energy usage, project scope, and loan terms.

What’s Covered?

More than you think

Eligible homeowners may use Energy Saver loans to finance eligible improvements that fall under one of the following label categories:

1. Energy Reduction Measure (major and minor)

2. Enabling Measure

3. Site Restoration Measure (case-by-case review by Abode)

4. Clean Energy and Electrification Measure.

Full Breakdown of eligible improvements:

Health and Safety Improvement

Mold remediation

Knob and Tube wiring
remediation

Vermiculite remediation

Combustion safety repair

Basement moisture

Structural and non-structural repair
(including leak repair)

Asbestos remediation

Oil tank removal

Energy Efficiency & Weatherization

Mass Save equivalent weatherization (mayor)

Insulation for basement floor (slab), wall (foundation), ceilings and air sealing

Double-pane windows

Triple-pane windows (mayor)

Unvented attic spray foam (mayor)

Additional air and duct sealing

Exterior doors

Roofing

Retrofit Packages

Wall package 1 – Deep retrofit (mayor)

Flat Roof Package 2 – Light retrofit (mayor)

Electrical Upgrades

Electrical service upgrade (above ground)

Electric Panel Upgrade and Wiring

Electrical service upgrade (below ground)

HVAC

Air-to-air heat pumps (mayor)

Air-to-water heat pumps (mayor)

Ground source heat pumps (mayor)

Whole house ventilation (ERV or HRV)

Thermostats

Bathroom ventilation

Kitchen ventilation

Domestic Hot Water

HPWH – Heat Pump Water Heater (mayor)

Solar Assisted HPWH (mayor)

Solar Thermal (mayor)

Clean Energy Technologies

Solar PV

Battery storage

EV Charging Station

Appliances, Lighting, Fixtures

Low flow faucets and toilets

LED lighting

Heat pump clothes dryer

Induction Range/Cooktop

Site work/Outdoor

Arborist-approved shade trees

Tree pruning

Disclaimer:

Some measures listed may only be eligible when they support other primary energy-saving upgrades. For example, tree pruning is only covered when necessary for solar panel installation. All projects must contribute to an overall reduction of at least 20% in home energy use to qualify for financing. Final eligibility is determined during your consultation with the program team.

Real Results: See How the Program Helped David

His story shows how impactful these upgrades can be—with guidance every step of the way.
Meet David, a Massachusetts homeowner who used the program to make major improvements and reduce his home’s energy use.

Want to Learn More? Watch the Webinar

Get the full breakdown of how the Energy Saver Home Loan works—straight from the team that runs it. In this short webinar, CET explains who’s eligible, what kinds of upgrades you can do, and how the Concierge Service makes the process simple.

Once the 20% energy reduction requirement is met with eligible energy reduction measures, then Clean Energy & Electrification Measures and their eligible enabling measures can be financed. Site restoration measures will be reviewed by Abode on a case-by-case basis.

Shall We Get Started?

If you’re ready to make your home more efficient, comfortable, and climate-friendly, CET is here as your Concierge Service Provider—ready to guide you from day one. Let’s take the first step together.

Call Us at

413-303-0667

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