Home Energy-Efficiency Loan Program

You may be eligible for special financing when you want to make energy-efficient improvements to your home. Here’s what you need to know.

Get an energy audit.

  • Contact an Energize Delaware HPwES participating contractor or energy advisor to schedule an appointment.
  • You’ll be given a list of recommended improvements for your home, plus cost estimates and available rebates.
  •  They’ll submit a rebate reservation to confirm the funds are available.

Apply online.

  • Visit EnergizeDelawareloans.org or call 866-648-1857
  • You’ll need a copy of the energy audit and estimate/proposal from your contractor to validate the final price and qualifying enhancements.
  • Your project, credit score and debt-to income ratio will be reviewed.
  • If approved, you will receive an email.

We pay the participating contractor and you start saving.

  • When your project is done, submit your signed completion certificate and rebate completion forms.
  • We do the rest of the work for you, including paying the participating contractor.

What Energy-Efficient Home Upgrades Qualify?

  • Air and duct sealing
  • Attic, knee wall, crawlspace, rim joist wall and floor insulation
  • Air source heat pump
  • Central air
  • Ductless mini split
  • Furnace
  • Heat pump or tankless water heater
  • Boiler
  • Smart thermostats

What's the Loan Lowdown?

  • Fast, easy monthly payments through Energize Delaware
  • Low-cost, fixed-rate loan minimizes out-of-pocket costs
  • Special 5.99% unsecured financing
  • Loan amounts range from $1,000-$50,000
  • No fees to consumer or participating contractor
  • Up to 10 years to repay (and no prepayment penalty or closing costs)
  • 100% financing available
  • No home equity required; new homeowners welcome (and no lien filed on your home)
  • Work must be done by Energize Delaware Home Performance with ENERGY STAR®
    (HPwES) participating contractor (find one here)

Am I Eligible?

To qualify, you must:

  • Be a Delaware homeowner who is participating in the HPwES program.
  • Be the registered property owner currently living in a separately metered, detached or attached 1- to 4-unit residence where the home energy audit is completed and the product/equipment is being installed.
  • Attached units are duplexes, condominiums and townhouses.
  • Not be in new construction or a commercial property.
  • Meet debt-to-income ratio and credit score requirements.
  • No minimum income required.
  • Receive a rebate reservation confirmation number.