Energy Conservation Loan Program

Borrow Up to $25,000 for Energy Efficiency Improvements - Loan Terms Up to 10 Years

This program for income-qualified consumers offers below market interest rate terms for the purchase and installation of cost-saving energy efficient improvements for single or multi-family homes.


Financing at below market rates for single family and multi-family residential property owners

The Energy Conservation Loan Program (ECL) and the Multi-family Energy Conservation Loan Program (MEL) provide financing at below market rates to single family and multi-family residential property owners for the purchase and installation of energy saving improvements. The program is administered by the Capital For Change (formerly CHIF) with funding from the Connecticut Department of Housing (DOH).

Loan Amount and Term

Single family homeowners (1-4 units) may borrow up to $25,000 and multi-family property owners may borrow up to $3,500 per unit (a maximum of $100,000 per building per building) for a period of 10 years for eligible improvements.


Eligible Improvements

The following are some of the improvements eligible under the ECL/MEL programs:

  • Automatic set-back thermostats
  • Siding
  • Caulking and weather-stripping
  • Insulation
  • Heat pumps
  • Replacement heating systems
  • Replacement roofs
  • Replacement windows
  • Solar systems and passive solar additions

Visit chif.org for details.

Call 877-WISE-USE (877-947-3873) for more information. 

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