Heat Saver Loan

The Heat Saver Loan, available throughout the State of Vermont, is a fast, easy, and flexible way to finance thermal home energy improvements. These can include high-efficiency boilers and furnaces, heat pumps, air sealing and insulation, high-performance windows, solar hot water heaters, and central pellet boilers. Visit the Heat Saver Loan website to check eligibility requirements and get started.

Please note: loan interest rates will increase in January of 2018. The planned rates will range from .99% to 5.99%, based on household income.

  • Low-interest loans of up to $35,000, with 100% financing available
  • Can be processed in two business days, no cash-flow analysis required
  • Low closing costs (can be rolled into loan), payback period of up to 15 years

The NeighborWorks of Western Vermont Energy Loan

A loan offered by NeighborWorks of Western Vermont is available statewide. Loan funds may be used to finance energy efficiency improvements and necessary health and safety improvements. Qualifying improvements include cold climate heat pump heating and cooling systems, efficient hot water heaters, air sealing, insulation, renewables, and more. Visit the Neighborworks of Western Vermont website for more information.

  • Low interest loans of up to $40K and 100% financing of the project cost
  • Processed in two business days or less
  • Low closing costs are financed into the loan; payback period of up to 15 years
  • No prepayment penalty
  • Green Mountain Power customers can repay their NeighborWorks of Western Vermont Energy Loan on their electric bill.


Property Assessed Clean Energy (PACE) financing is a unique way to finance energy efficiency improvements because it ties the loan to the property, not to the property owner.

At this time, new PACE applications are not being accepted. If you would like more information about PACE, please contact us.

More Loan Options

Other ways you may be able to finance your energy efficiency improvements include personal loans, home equity loans or lines of credit, and standard mortgages. Terms, closing costs, and eligibility criteria for these products vary by lender. If you have questions about which option may be most suitable for you, contact local lenders or give us a call.

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