Energize Delaware Home Energy Loan Program

Qualifying Delaware property owners who are participating in the Home Performance with ENERGY STAR program can now finance their energy-saving home improvements with a fast and easy monthly payment option through Energize Delaware.  These low cost loans can help Delawareans make the energy-improvements that are right for their home while minimizing out-of-pocket costs.

Loan Program Highlights

  • Special 5.99% financing for improvements
  • Loans from $1,000 to $30,000
  • 100% Financing Available
  • Low fixed rate, fixed monthly payments
  • No home equity required, new  property owners welcome
  • No fees to consumer or contractor
  • Preferred rate unsecured financing
  • Up to 10 years to repay— no prepayment penalty
  • Work must be done by an Energize Delaware approved contractor

Who is Eligible

To be eligible, you must be the registered property owner currently living in a separately metered, one to four unit detached or attached residence. The owner must be living in the State where the home energy audit is completed and the product/equipment is being installed. Attached units are duplexes, condominiums and townhouses. New construction, multi-family units and commercial properties are not eligible. Good credit and the ability to repay are required; all income levels are eligible. You must also receive a rebate reservation confirmation number to ensure you are eligible for a rebate.

Find a Participating Contractor or request an appointment with an Energy Advisor.

Apply for a Home Energy Loan

Step One: Get an energy audit. Contact an Energize Delaware Home Performance participating contractor to schedule an audit. The participating contractor or Energy Advisor will prepare a list of recommended improvements specific to your home's needs. You also will receive a cost estimate to install those improvements and information on available rebates. Your contractor will also need to submit a rebate reservation to confirm availability of funds.

Step Two: Apply for your loan. Go to the Loan Calculator to see if you might qualify.  Then, apply online at www.EnergizeDelaware.org/Apply . You may also apply by phone at 877-453-2327. You can have your home energy audit completed prior to submitting your loan application or you can choose to have your loan pre-approved before the audit.

Step Three: We pay the contractor and you start saving! Once your project is complete, you'll sign the completion certification that will be provided to you and we'll pay the contractor directly.