Mass Save^® HEAT Loan Program

BFCU is a participating lender in the Mass Save HEAT Loan Program, which was established in 2008 to help Massachusetts homeowners upgrade their homes to be energy efficient. The Mass Save HEAT Loan Program offers eligible residents the option to apply for 0% loans up to $25,000 with terms up to seven years.

Visit Mass Save to learn more about Residential Programs and Services and the steps to get started for energy-efficient upgrades.

Apply for a Mass Save Loan

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Case Studies

Framingham Picture

Vance L.

Vance was able to make improvements to his home in Framingham which saved $632 on his annual heating bill simply by replacing his older, less efficient heating system. By insulating his home and installing mini-split heat pumps not only saved him money in the long run, but it helped immediately by making his home more comfortable.

Travis D.

Travis from Greenfield was determined to make his house that was built in 1902, more energy efficient and was able to have the cost of his $10,000 improvements completely financed by his energy provider, Eversource. The Mass Save program is estimated to have saved Travis the cost of 630 gallons of gas annually, simply by installing modern appliances.

George D.

George was advised by his accountant to order a home energy assessment to get an idea of the possible ways he could save money as a semi-retired individual. He received $3,814 from Eversource and the total cost he had to pay for the upgrades were offset by the amount he saved on his energy bill within the first year following the improvements.

Services Provided by Mass Save Include:

Home Energy Assessments: Have an Energy Specialist assess your home to find inefficiencies and identify opportunities for improvements. These assessments can be performed in-person or virtually.
Decarbonization Consultations: If your current heating system is ineffective, a decarbonization consultations will identify energy saving alternatives.
Connected Solutions: You could be eligible for additional benefits by reducing your energy use during high demand periods.
0% Interest Financing: Applicants who qualify can make these improvements without having to worry about high interest rates.
Income-Based Construction: If your upgrades require home construction, you could qualify for upgrades like installing insolation for no cost. See if you qualify
New Home Construction: If you are building a new single or multi-family home, you could qualify for major benefits as part of Mass Save's mission to make all new construction energy efficient.
Renovations & Additions: If you are adding to your home, Mass Save could help you save on materials and construction costs. Improvements pertaining to insulation, ventilation, water heater replacements, and duct sealing could potential be covered under the Mass Save program.

All materials have been sourced from the official Mass Save website.