Let us help you make your home, and the planet, a little greener. The Mass Save HEAT Loan Program is a home loan option for energy efficient improvements to your home. With this program, you will have the opportunity to apply for a 0% interest rate loan through Main Street Bank. You’ll enjoy a home improvement and save money with 0% financing. You may already be eligible for a loan through this Program. Mass Save is funded through energy companies.

These energy efficient home improvements may be eligible for this program:

  • Attic, Wall, and Basement Insulation
  • High Efficiency Heating Systems
  • Central Air Conditioning/ Air Source Heat Pumps
  • Ductless Mini Split Heat Pumps
  • High Efficiency Domestic Hot Water Systems
  • Solar Hot Water Systems
  • 7-Day Digital & Wi Fi Thermostats
  • ENERGY STAR® Qualified Replacement Windows

To qualify, applicants must undergo a Mass Save audit to verify their eligibility, but you can start the loan application process with Main Street Bank anytime. To learn more about the Mass Save HEAT Loan Program and for a handy outline of steps to take, please visit the Mass Save website.

UnsecuredSecured (Up to $50,000)Secured (Investment Properties)
Annual Percentage Rate (APR)0%10%20%3
Minimum Loan Amount $2,500$25,000$2,500
Maximum Loan Amount $25,000$50,000$50,000
TermUp to 84 months Up to 84 monthsUp to 84 months
Closing Costs-$103.60$103.60
Loan to Value---
Apply NowApply NowApply Now