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Smart-E Loans

 
Type
Home
 
Category
  • Appliances & Electronics
  • Financing
  • Gas Water Heating
  • Heating & Cooling
  • Hot Water
  • Insulation
  • Lighting
  • Renewable Energy

Now you can enjoy a whole home of energy efficiency. Upgrade your home’s efficiency & energy performance with a no money down Smart-E loan with flexible terms. Realize more savings and comfort when bundling multiple home energy improvements. The more you do, the more you save.

Additional Details

The Connecticut Green Bank – in partnership with Energize CT and select local lenders and contractors – offers long-term, low-interest financing to help you upgrade your home’s energy performance with no money down.

  • Unsecured personal loan (no lien is placed on the property)
  • Fixed monthly payments
  • No pre-payment penalty

Great low-rates are available. See all rate information here.

Property requirements:

  • Property must be located in Connecticut
  • Property must be owner-occupied
  • Property must be a 1-4 unit residential building
  • Condominiums must be individually metered

From home performance and efficiency, to heating and cooling, to water heating and renewables, there are more than 40 eligible home energy upgrades that quality for Smart-E loans. Click here for a complete list of eligible improvements and efficiency criteria.

  1. Find a Contractor to discuss your energy improvements.
    If your contractor is not on the approved list, they should contact smarte@ctgreenbank.com for Smart-E training.

    Using multiple contractors? Select one to act as your general contractor. They will help facilitate this process for you.
     
  2. Select your home energy upgrade.
    Your contractor will work with you to be sure the improvements meet our eligibility requirements. 
     
  3. Get pre-approved by a participating lender.
    Apply directly with your selected lender before your contractor begins the project.
     
  4. Close your loan with your lender.
    Your lender will reach out to schedule a loan closing once the project is approved.

Learn how homeowners across Connecticut are improving their homes and lowering energy costs with Smart-E.

Smart-E Loans Myers

“What we’ve seen since we’ve converted is stability. The house is so much more comfortable now.”


– Myers family, natural gas conversion and heating equipment
 

About The Project

Location: Norwich, CT
Building Type: Ranch
Building Size: 1.428 sq ft
Year Built: 1960
Project: Converted to natural gas and upgraded to a high efficiency boiler
Total Project Cost: $8,318.09
Annual Energy Cost Savings: $1,200

 

Smart-E Loans Hemeon

 “Smart-E helps get you where you want to be, and where you want to be is self-sufficient with solar energy."

– Hemeon family, installed solar PV

 

 

About The Project

Location: Pomfret, CT
Building Type: Colonial
Building Size: 2,944 sq ft
Year Built: 1982
Project: 36 Solar Panels
Total Project Cost: $31,125
Estimated Annual Energy Cost Savings: $1,794
Estimated Solar Panel Energy Production:
9,763 kWh/year
Approximate Total Home Energy Usage:
11,835 kWh/year

Smart-E Loans Curran

“Applying for the loan was very easy; the application process was just a few pages; and the closing took no more than half an hour.”

– Curran family, installed solar PV

About The Project

Location: Waterbury, CT
Building Type: Split Ranch
Building Size: 2,600 sq ft
Year Built: 1979
Project: 26 Solar Panels
Total Project Cost: $35,000
Annual Energy Cost Savings: $1,353
Estimated Solar Panel Energy Production:
8,457 kWh/year
Approximate Total Home Energy Usage:
26,781 kWh/year
 

Smart-E Loans Kennedy

 “We are getting the most out of our money and it feels good to know that we are not over spending on energy.  We are excited about the improvements hold for our future.”


– Kennedy family, Conversion to Natural Gas, upgrade to a high efficiency boiler, asbestos remediation

About The Project

Location: Berlin, CT
Building Type: Dutch Colonial
Building Size: 3,698 sq ft
Year Built: 1800
Project: Conversion to Natural Gas, upgrade to a high efficiency boiler, asbestos remediation
Total Project Cost: $12,934.88
Estimated Annual Energy Cost Savings: $1,800

Smart-E Loans Watson

 “We were in the black from day one. As it turns out, the cost of the loan payment is less than what we’re saving in heating costs. Eventually, when the loan is paid off, it will be all profit."

– Jeff and Liliya Watson, switched to natural gas

About The Project

Location: Hamden, CT
Building Type: Ranch
Building Size: 1,589 sq ft
Year Built: 1956
Project: Conversion to Propane/ Natural Gas, upgrade to a high efficiency boiler
Total Project Cost: $11,750
Estimated Annual Energy Cost Savings: $1,200


 

 

 

 

Multifamily

 
Type
Home
 
Category
 
Incentive
Various Incentives Available
  • Appliances & Electronics
  • Energy Assessment (Audit)
  • Financing
  • Gas Water Heating
  • Heating & Cooling
  • Hot Water
  • Insulation
  • Lighting
  • Rebates

Reduce energy and operating costs and make the multifamily property you own or manage more comfortable and environmentally friendly with the Multifamily Initiative.

Additional Details

This program provides customized solutions for multifamily buildings or complexes with five or more units, and includes:

  • Assistance with energy efficiency upgrade projects already planned
  • An assessment of your building's energy-saving opportunities
  • Resources to support in-depth assessment of a full range of strategies for further improvements including solar and other renewable energy, as well as health and safety measures
  • Incentives and financing for energy efficiency upgrades

Provide your contact information and any project information with this application. For energy efficiency projects, submit it to your electric utility company. For renewable energy and/or financing  projects only, submit your application to the Green Bank. If your application is for both energy efficiency and renewable energy or financing, submit it to both your electric utility and the Green Bank.

Eversource     UI     Connecticut Green Bank

At this point, if you already have an energy efficiency or renewable energy project, additionally submit any project proposal(s) and a completed Project Form to your electric utility company (for energy efficiency projects) and to the Connecticut Green Bank (for projects including renewable energy and/or financing). After we’ve helped you address this proposal, if you’d like to evaluate your property in a more holistic way, follow the steps below.

Need help designing your project?

Once you’ve completed Step 1 above, a utility or Green Bank representative (as appropriate) will contact you. A professional consultant or in-house representative is available to visit your property to identify the cost-effective energy improvement opportunities that make the most sense for your property. Technical and financial assistance is available through the Multifamily Initiative for a wide variety of design and predevelopment tasks, including: 

Potential Measures Assessed Technical & Financial Assistance Available
  • Air sealing
  • Domestic hot water saving measures
  • Energy-efficient lighting
  • Insulation
  • Windows
  • High-efficiency heating, ventilation or air conditioning
  • ENERGY STAR® appliances
  • High-efficiency water heating systems
  • Energy saving control strategies on building equipment
  • Solar PV and other renewable energy systems
  • Energy benchmarking
  • Green design and charrettes
  • Assessment of capital improvements 
    (including green physical needs assessments (PNAs))
  • Assessments of energy-related health and safety issues
  • Designing, engineering, and bidding work
  • Predevelopment loans
  • Financial packaging

Using the recommendations from the energy assessment and any technical assistance you select, design and price a comprehensive project that will maximize your energy savings, as well as the incentives and financing you will receive.

If your project qualifies based on your submitted proposals, plans, specifications, and pricing, you will receive a commitment of incentive dollars and, if requested, an offer for financing the balance of the project cost. You can also provide your own financing or explore one of these sources. After construction and required inspections are complete, incentives are paid.

It is recommended that owners track utility use and verify that equipment is working properly during the warranty period and beyond.

Existing properties of five or more residential units may be eligible for the Multifamily Initiative. 

The following types of properties are eligible:

  • Apartment buildings and complexes
  • Condominiums and co-operatives
  • Congregate and senior housing
  • Mixed-use residential and commercial properties

Questions? Contact your utility or the Connecticut Green Bank using a link below:

Eversource     UI     Connecticut Green Bank

If you are a Connecticut resident and are not served by one of the utilities listed above, please visit your municipal utility's website to see what energy efficiency programs are available to you. The Connecticut Green Bank provides renewable energy programs and financing to all Connecticut municipalities

 

Small Business Energy Advantage

 
Type
Business
 
Category
 
Incentive
Up to 50% of Install Cost
  • Building Controls/Energy Mgmt.
  • Drives, Refrig. Controls, Timers & ECMs
  • Energy Assessment (Audit)
  • Financing
  • Gas Water Heating
  • Heating & Cooling
  • Insulation
  • Lighting
  • Rebates

A utility-authorized contractor performs a no-cost, no-obligation energy assessment (audit) of your facility and then manages the installation of the energy-saving improvements. This one-stop service, combined with our incentives and zero-interest, on-bill payment plans, allows you to get started right away.

Additional Details

The Companies continue to work in coordination with public health experts and officials and members of the contractor community to discuss how contractors can resume services as quickly and safely as possible. We must continue to make safety the highest priority.

Please visit our Energize CT COVID-19 Energy Efficiency Program Update page for more information and frequently asked questions or visit:

A Virtual Pre-Assessment for Small Businesses is now being offered as a safe, convenient first step for you to make energy-saving improvements. This pre-assessment is available through live, virtual discussions with a contractor at no cost. Connect with us to learn more about how we can help you reduce your energy costs.

If you’re like many small commercial and industrial customers, you do not have the time, financial resources or in-house expertise necessary to analyze and reduce your energy usage. We can help. Our utility-authorized contractors will come to your business and perform a no-cost, no-obligation audit of your facility that includes lighting, HVAC and refrigeration systems. You’ll receive a customized recommendation that shows you how much energy and money you could save by upgrading to energy-efficient equipment. The contractor manages the whole installation process for you. And with our incentives and low-interest on-bill payment plans, you won’t have to worry about cash flow. It couldn’t be easier to save money. Just pick up the phone and call. That’s all you need to do.

Features:

  • Free energy assessment
  • Comprehensive proposal includes all eligible energy efficiency measures, complete with material and installation costs and estimated savings
  • You decide what improvements make sense for you; there’s no obligation to install  
  • No upfront costs for installed upgrades
  • Incentives up to 50 percent of the installed cost
  • Zero-interest and low-cost financing * (payable on your monthly electric bill, so you only have one monthly payment)
  • One-year warranty on contractors’ parts and labor

*Must qualify for financing. Zero-interest financing available to qualified customers.

Don’t wait - call today to start saving. Your investment will deliver energy cost savings, year after year.

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

Steps to Take Smart Energy Action

Step 1 -

Schedule your no obligation energy assessment with a Small Business Energy Advantage (SBEA) program-authorized contractor. These licensed professionals have been selected by your utility, work throughout the state and are fully trained in how the program works. 

Getting started is easy. Call our toll-free number, contact a program-authorized contractor, or contact your utility provider:

  • Call 1-877-WISE-USE.
     
  • Click Find-A-Professional to locate a SBEA program-authorized contractor.
     
  • Click the link of your utility provider: Eversource     UI

Step 2 - 

Once your utility determines that you are eligible for the program, the SBEA-authorized contractor calls you to schedule a visit.

Step 3 -

During the visit, the contractor conducts an energy assessment of your facility free of charge. Your utility reviews the assessment and, if approved, the contractor presents you with a proposal. The comprehensive proposal includes energy-saving improvements that make sense for your business, complete installation costs and estimated energy savings, along with the incentives that you qualify for and your financing options.

Step 4 -

After the paperwork is signed, your project can get started - in some cases within 30 days. SBEA program incentives offset a portion of the cost of qualifying measures.

Step 5 -

Interest-free financing for the balance of the project is available for qualified customers. The financed amount will appear on your monthly electric bill, allowing you to make just one monthly payment for both your SBEA loan and your electric bill.

Financial incentives help get your project completed the right way, the first time. The energy-saving benefits will continue, year after year.

Examples of typical energy-efficient upgrades include:

Lighting – interior/exterior
  • High-performance lighting
  • Induction and LED lighting
  • Occupancy sensors
  • Photocells
Heating/ventilation/air conditioning
  • Energy-efficient equipment upgrades
  • Programmable thermostats
  • Energy management systems
Refrigeration
  • Anti-condensation door heater controls
  • Evaporator fan controls
  • Night covers
  • Electronically commutated motors
  • Energy-efficient kitchen equipment
Natural gas-saving equipment
  • Spray nozzles
  • Showerheads
  • Aerators
  • Programmable thermostats
  • Pipe and duct insulation
  • Energy management systems
  • Indoor boiler reset controls
  • Heating equipment
  • Water heating equipment
  • Kitchen equipment
  • Infrared space heaters
  • Envelope measures
Other improvements
  • Air compressors
  • Variable frequency drives
  • Premium-efficiency motors
  • Custom measures

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

Commercial and industrial Eversource and UI customers with an average 12-month peak demand between 10 and 200kW. For natural gas measures, must be a firm customer of CNG, SCG or Eversource.

Many types of small businesses can benefit:

  • Restaurants
  • Car washes
  • Churches/synagogues/meeting centers
  • Bed and breakfasts
  • Private buildings: libraries, museums and more
  • Retail stores
  • Office settings: insurance and real estate brokers, law offices, accounting firms, etc.
  • Grocery and convenience stores
  • Gas stations

Starting the process is easy. Just contact one of the SBEA contractors listed on your utility’s website or call 877-WISE-USE to start the process. Click the link to your utility below:

Eversource     UI  

If you are a Connecticut business and are not served by one of the utilities listed above, please visit your municipal utility's website to see what energy efficiency programs are available to you. 

Thousands of Connecticut small business and commercial customers have benefited from SBEA - and you can too. Some example projects include:

Examples of Small Business and Commercial Customers that have Benefited from SBEA
PROJECT: Family Farm Independently Owned Grocery Store Museum
PROJECT DESCRIPTION: Energy Efficient Lighting and Occupancy Sensors Energy Efficient Lighting, Occupancy Sensors, Cooler Night Covers, Motors, and Controls Energy Efficient Lighting and Occupancy Sensors
TOTAL COST: $5,899 $218,597 $32,175
CONNECTICUT ENERGY EFFICIENCY FUND INCENTIVE: $2,947 $69,945 $9,605
MONTHLY LOAN PAYMENT
(ZERO PERCENT INTEREST):
$227/13 months $5,946/25 months $940/24 months
NET MONTHLY ELECTRIC SAVINGS
(DURING LOAN PERIOD):
$26 $127 $53
NET MONTHLY ELECTRIC SAVINGS
​(AFTER THE LOAN IS PAID OFF):
$253 $6,073 $993
 

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

Energy Opportunities

 
Type
Business
 
Category
 
Incentive
Various Incentives and Financing Available
  • Building Controls/Energy Mgmt.
  • Drives, Refrig. Controls, Timers & ECMs
  • Energy Assessment (Audit)
  • Heating & Cooling
  • Insulation
  • Lighting
  • Rebates

With today’s energy costs, delaying to upgrade old inefficient equipment can actually cost you money. Invest in energy-efficient equipment now to reduce operating costs and improve productivity, ease-of-use, comfort and even aesthetics.

Additional Details

In today's competitive environment, energy efficiency may not be at the top of your list when it comes to replacing functioning equipment. But energy cost savings and other benefits can deliver attractive returns on investment and savings for years to come. Now, with support from us, you have the financial and technical assistance that will enable you to upgrade to energy-efficient equipment.

We make upgrading to energy-efficient equipment affordable. Our energy experts work with you to maximize energy cost savings by replacing or modifying inefficient, functioning equipment such as lighting, HVAC, chillers, motors, controls, water heaters and commercial cooking equipment.

We help you upgrade to high-efficiency alternatives by reducing upfront costs with:

  • Financial incentives up to 40% of the installed costs
  • Zero-interest or low-interest rate financing

The program also offers “express rebates” for common measures for fast and convenient savings.

All types of businesses are saving thousands of dollars each year. For example:

Connecticut Children’s Medical Center

  • Received a $37,000 incentive to offset its investment in high-efficiency HVAC controls
  • Saves approximately $23,000/year
  • “The Fund made it possible for us to do the right thing for our patients and the environment.” –Bob Will, Facilities Manager


The Lighting Quotient (Lighting fixture designer/manufacturer)

  • Received an $84,000 incentive to defray its investment in new gas-fired heating boilers
  • Saves approximately $30,000/year
  • “Our business is now not only innovative in our lighting solutions, but also innovative in embracing a green workplace, and this message is carried into the community by our employees. With our energy-efficient environment, our employees have a new sense of pride, and they bring this pride into their homes.” – Allison Walker, Chairman and CEO

Incentives help you save on equipment costs and continue to save on capital and operating costs.

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

Steps to Take Smart Energy Action

Step 1 -

Utility energy experts will work with you to identify energy-saving equipment opportunities that make sense for your business. You maintain complete control over your project.

Step 2 -

Energy Opportunities program administrators prepare a project agreement for your signature prior to ordering equipment. This agreement details all of the energy-efficient measures, estimated energy savings and anticipated incentive amounts. Information on zero-percent or low-interest financing is also provided.

Step 3 -

You work with your own preferred contractors and/or maintenance staff to purchase and install the energy-efficient equipment.

Step 4 -

After the project is completed and the measures are inspected and verified, your company or organization receives an incentive payment.

Incentives are available for the following energy-efficient equipment:

Energy-Efficient Lighting

  • T5 and T8 florescent fixtures
  • Induction technology based fixtures
  • High-performance, hardwired compact fluorescent fixtures
  • Daylight controls
  • Automatic dimming/occupancy sensors
  • LED lighting


Energy-Efficient HVAC

  • Natural gas furnaces and unit heaters
  • Natural gas boilers
  • Natural gas radiant heaters
  • Boiler reset controls
  • Chillers
  • Rooftop or split-system air conditioning equipment
  • Energy management systems
  • Premium motors
  • Variable speed drives
  • CO2 controls
  • Occupancy-based HVAC controls
  • Programmable thermostats
  • Differential enthalpy economizer controls


Energy-Efficient Refrigeration

  • Ammonia refrigeration systems
  • Mechanical sub-coolers
  • Evaporator controls
  • Oversized condensers
  • High-speed cooler/freezer doors
  • Electronically commutated motors (ECMs)


Energy-Efficient Water Heating

  • Natural gas indirect water heaters
  • Natural gas on-demand tankless water heaters


Energy-Efficient Process-Related Equipment

  • Premium motors
  • Variable speed drives
  • Infrared heaters and gas-fired ovens
  • Commercial kitchen cooking equipment, including exhaust hoods, ranges and ovens
  • Air compressors and related system components
  • Process chillers
  • Material handling equipment (conveyor belt systems and screw-feed devices)


Custom Measures

Financial incentives will help get your project completed the right way, the first time. The energy-saving benefits will continue, year after year.

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

Eversource or UI commercial, industrial or municipal customers of any size engaged in an electric saving retrofit project. For natural gas saving measures, you must be a firm customer of CNG, SCG or Eversource.

A retrofit is defined as replacement of existing equipment that is operational and has at least 25 percent of its useful life remaining or upgrades and/or modifications of existing equipment that save energy.

To see the minimum qualification and incentive criteria for common measures in this program, please visit your utility’s website at the links below:

Eversource     UI     CNG     SCG

Many types of businesses can benefit:

  • Restaurants
  • Manufacturers
  • Retail stores
  • Hospitals
  • Government and municipal buildings
  • Lodging
  • Schools, colleges and universities
  • Office settings: insurance and real estate brokers, law offices, accounting firms, etc.
  • Private buildings: libraries, museums and more

Starting the process is easy. Just call 877-WISE-USE or click the link to your utility below:

Eversource     UI     CNG     SCG

If you are a Connecticut business and are not served by one of the utilities listed above, please visit your utility’s website to see what energy efficiency programs are available to you. Please click here for information on how to contact your municipal utility.

Commercial Multifamily Properties

 
Type
Business
 
Category
  • Appliances & Electronics
  • Energy Assessment (Audit)
  • Heating & Cooling
  • Hot Water
  • Insulation
  • Lighting
  • Rebates

Reduce energy and operating costs and make the multifamily property you own or manage more comfortable and environmentally friendly with the Multifamily Initiative.

Additional Details

This program provides customized solutions for multifamily buildings or complexes with five or more units, and includes:

  • Assistance with energy efficiency upgrade projects already planned
  • An assessment of your building's energy-saving opportunities
  • Resources to support in-depth assessment of a full range of strategies for further improvements including solar and other renewable energy, as well as health and safety measures
  • Incentives and financing for energy efficiency upgrades

Provide your contact information and any project information with this application. For energy efficiency projects, submit it to your electric utility company. For renewable energy and/or financing  projects only, submit your application to the Green Bank. If your application is for both energy efficiency and renewable energy or financing, submit it to both your electric utility and the Green Bank.

Eversource     UI     Connecticut Green Bank

At this point, if you already have an energy efficiency or renewable energy project, additionally submit any project proposal(s) and a completed Project Form to your electric utility company (for energy efficiency projects) and to the Connecticut Green Bank (for projects including renewable energy and/or financing). After we’ve helped you address this proposal, if you’d like to evaluate your property in a more holistic way, follow the steps below.

Need help designing your project?

Once you’ve completed Step 1 above, a utility or Green Bank representative (as appropriate) will contact you. A professional consultant or in-house representative is available to visit your property to identify the cost-effective energy improvement opportunities that make the most sense for your property. Technical and financial assistance is available through the Multifamily Initiative for a wide variety of design and predevelopment tasks, including: 

Potential Measures Assessed Technical & Financial Assistance Available
  • Air sealing
  • Domestic hot water saving measures
  • Energy-efficient lighting
  • Insulation
  • Windows
  • High-efficiency heating, ventilation or air conditioning
  • ENERGY STAR® appliances
  • High-efficiency water heating systems
  • Energy saving control strategies on building equipment
  • Solar PV and other renewable energy systems
  • Energy benchmarking
  • Green design and charrettes
  • Assessment of capital improvements 
    (including green physical needs assessments (PNAs))
  • Assessments of energy-related health and safety issues
  • Designing, engineering, and bidding work
  • Predevelopment loans
  • Financial packaging

Using the recommendations from the energy assessment and any technical assistance you select, design and price a comprehensive project that will maximize your energy savings, as well as the incentives and financing you will receive.

If your project qualifies based on your submitted proposals, plans, specifications, and pricing, you will receive a commitment of incentive dollars and, if requested, an offer for financing the balance of the project cost. You can also provide your own financing or explore one of these sources. After construction and required inspections are complete, incentives are paid.

It is recommended that owners track utility use and verify that equipment is working properly during the warranty period and beyond.

Existing properties of five or more residential units may be eligible for the Multifamily Initiative. 

The following types of properties are eligible:

  • Apartment buildings and complexes
  • Condominiums and co-operatives
  • Congregate and senior housing
  • Mixed-use residential and commercial properties

Questions? Contact your utility or the Connecticut Green Bank using a link below:

Eversource     UI     Connecticut Green Bank

If you are a Connecticut resident and are not served by one of the utilities listed above, please visit your municipal utility's website to see what energy efficiency programs are available to you. The Connecticut Green Bank provides renewable energy programs and financing to all Connecticut municipalities

 

Energy Conservation Loan Program

 
Type
Home
 
Category
  • Financing
  • Gas Water Heating
  • Heating & Cooling
  • Help for Income Eligible
  • Hot Water
  • Insulation
  • New Construction or Major Renovation
  • Renewable Energy

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.

Additional Details

**Effective 12/28/2017, the ECL loan program is limited to emergency situations only (non-working heating systems and leaking roofs). Applicants must be ineligible for other programs in order to qualify for an emergency loan**

Energy Conservation Loans finance energy conservation improvements for low- and moderate-income single-family (1-4 units) home owners. This program is funded by the Connecticut Department of Housing (DOH) and is administered by Capital for Change, Inc (C4C). This loan may be used to finance energy efficient home improvements up to $25,000 at below-market interest rates. Zero-percent interest rate loans are available for higher-efficiency boilers and furnaces.

Income Limit

This is an income-restricted program. Please Capital for Change, Inc. for the current income limits by town and household size.

Loan Amount and Term

Single family (1-4 units) homeowners may borrow between $400 - $25,000 for a period of 10 years for eligible improvements. 

Eligible Improvements

The following are the emergency improvements eligible under the ECL program as of 12/28/2017:

  • Replacement of non-operational heating system
    • 0% interest for furnaces/boilers that meet efficiency minimum of ENERGY STAR® rating for natural gas or > 84% efficiency rating for oil/propane
    • Applicant must not be eligible for alternate heating loan products (Smart-E loan and EnergizeCT  Heating Loan)
  • Replacement of leaking roof

The emergency status of the project must be verified by the contractor who will install the replacement, and all work must be completed by a C4C Participating Contractor.

Apply for a Loan

Heating system applicants must apply for a Smart-E loan or an EnergizeCT Heating loan before they will be considered for an emergency ECL loan.

Roofing applicants must contact C4C directly by phone to apply for emergency consideration. Please call 860-233-5165, extension 2002 for more information. Our office hours are Monday - Friday, 9am-5pm. 

**Effective 12/28/2017, the ECL loan program is limited to emergency situations only (non-working heating systems and leaking roofs). Applicants must be ineligible for other programs in order to qualify for an emergency loan**

 

Eligible Improvements

The following are the emergency improvements eligible under the ECL program as of 12/28/2017:

  • Replacement of non-operational heating system
    • 0% interest for furnaces/boilers that meet efficiency minimum of ENERGY STAR® rating for natural gas or  84% efficiency rating for oil/propane
    • Applicant must not be eligible for alternate heating loan products (Smart-E loan and EnergizeCT  Heating Loan)
  • Replacement of leaking roof

The emergency status of the project must be verified by the contractor who will install the replacement, and all work must be completed by a C4C Participating Contractor.

 

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

 

Tax Credits

 
Type
Home
 
Category
  • Heating & Cooling
  • Insulation
  • New Construction or Major Renovation
  • Renewable Energy

Solar Energy Systems may qualify for tax credits that can reduce your tax liability.

Additional Details

Did you know you might be able to take advantage of federal income tax incentives for Solar Energy Systems? Congress first passed the incentives in 2005 as part of the Energy Policy Act of 2005 and has amended them several times since then.

Current incentives* expire December 31, 2021. Find out more at ENERGY STAR®.

You should contact a tax professional with questions specific to your situation.

*All other ENERGY STAR federal tax credits expired at the end of 2016.

Residential New Construction Program

 
Type
Home
 
Category
 
Rebate
Up to $7,000
  • Appliances & Electronics
  • Energy Assessment (Audit)
  • Heating & Cooling
  • Hot Water
  • Insulation
  • Lighting
  • New Construction or Major Renovation
  • Rebates

Make energy efficiency a priority from the beginning when you build a new home. Enjoy lower energy costs and greater comfort and have access to incentives for building to high performance standards.

Additional Details

If you’re planning to build a new home, you have a great opportunity to minimize energy costs, maximize comfort and do your part for a clean energy future. You can be a leader in the energy- efficient technology revolution and have a profound impact on how we use energy today and in the future.

Better for You and the Planet

Designing and building your home with the latest energy-efficient technologies does a lot more than save energy. It gives you greater comfort and convenience and healthier indoor environments that add up to enhanced value.

And don’t forget the bigger picture – the environmental benefit. Building a high-performance home gives you the satisfaction of doing your part to reduce greenhouse gas emissions and live more sustainably.

Let Us Be Your Guide

The Residential New Construction program helps you, your architect and your builder, design and construct a home that is a model of energy efficiency. The program provides:

  • Expert guidance from energy specialists  Home Energy Rating Systems (HERS) Raters – who help you tap into energy-efficient home certifications, high-efficiency equipment, high-performance building practices and the latest material options. See the section below for more information about HERS.
  • Your Certified HERS Rater works with your building team throughout the construction process. Based on your new home’s final HERS index you may qualify for a rebate of $1,500 to $7,000 or more!

You can consider the rebates as a kind of housewarming gift to you for reducing your new home’s carbon footprint!

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

It is easier than you may think to build an energy efficient home – and we will be with you every step of the way. Getting started is the easiest.  Just give us a call.  In just a few more steps you will have a rebate check in hand. Easy!

Who is Eligible? Residential customers building a new home or gut rehab that will receive electric or gas service from Eversource, UI, CNG or SCG may qualify for this program. Single-family and multi-family projects are eligible. Because new construction rebates require an insulation and thermal bypass inspection, applications MUST be submitted before your home is insulated in order to be eligible.

While you are still in the planning stage, contact the Program Administrator shown below to connect with the proper program. Your builder or your Home Energy Rating System (HERS) rater can make the call for you if you prefer.


UI Customers Eversource Customers
Program Administrator Program Administrator
Call 877-WISE-USE Nicholas Jones
(877) 947-3873 (860) 665-5825
ui.wiseuse@uinet.com nicholas.jones@eversource.com 

Contact a HERS rater during the planning stages. The rater will review your plans and provide you with a pre-construction HERS Index score. Working with your architect or builder, they will identify energy-efficient improvements needed.

Click here for a list of participating Connecticut HERS raters.

Once you have hired a HERS Rater, they will review your plans with you and your team, explain the program and discuss how to maximize the use of energy-efficient technologies that make sense for your home, your goals and your lifestyle. Your HERS Rater will also explain the benefits – including rebates* – and the steps to earn additional certifications. (See the section below for more information about HERS.)

Homes that receive a HERS Index score within the required threshold*, can receive incentives through by the Connecticut Energy Efficiency Fund. Home that meet the requirements of the program typically show they are at least 25 percent more efficient than a typical home. Single-family home incentives range up to $7,000, depending on HERS Index scores.

Your HERS Rater or the utility Program Administrator will also work with you to identify additional financial incentives and rebates available through other state or federal programs - including any federal tax credits. Plus, we can help you to connect to the green building community.

At this point, you should also review the Requirements and Submission Checklist as well as the EV Ready and PV Ready program checklist with your HERS rater.

* See the project application for all terms and conditions that may apply.

The program offers multiple whole-home certifications, including ENERGY STAR®, LEED for Homes, DOE Zero Energy Ready Home, or National Green Building Standard® requirements and you may qualify for an additional rebate. You might also want to enter your home in the CT Zero Energy Home Challenge. (See the Bonus Rebate section below for information about each of these programs.)

You, your building team and your HERS rater will review your construction plans. Based on what you intend to build the HERS rater will prepare a pre-construction HERS Index. Once you have this index our energy experts can help you complete the program application, which will include your pre-construction HERS Index score and estimated incentive.


Download the application now. Be sure to read all of the instructions, rules and terms and conditions very carefully to avoid processing delays. New construction rebates require an insulation and thermal bypass inspection, so applications MUST be submitted before the home is insulated to be eligible. The ideal time to submit your application is before construction starts.

Your HERS rater will conduct insulation and thermal bypass inspections at various stages of construction. On-site tests typically include a blower door test to measure air tightness and a duct test to measure air flow through the ducts. The test results, along with information from the plan review, help determine your home’s final HERS Index score. Inspections must be conducted prior to drywall installation and after construction is complete.

When your home is completed and you have the final HERS Index score, your HERS Rater will submit the completed application and testing documentation to the Utility Program Administrator. This is a good time to also review the Requirements and Submission Checklist again with your HERS rater Refer.

Once the program administrator reviews and approves, a rebate check will be sent to you – the (new!) homeowner.

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

Residential customers building a new home or gut rehab that will receive electric or gas service from Eversource, UI, CNG or SCG may qualify for this program. Single-family and multi-family projects are eligible. Because new construction rebates require an insulation and thermal bypass inspection, applications MUST be submitted before your home is insulated in order to be eligible.

Getting the process started is easy. While you are still in the planning stage, just contact your utility program administrator:

 

UI Customers Eversource Customers
Program Administrator Program Administrator
Call 877-WISE-USE Nicholas Jones
(877) 947-3873 (860) 665-5825
ui.wiseuse@uinet.com nicholas.jones@eversource.com

If you are a Connecticut resident and are not served by one of the utilities listed above, please visit your municipal utility's website to see what energy efficiency programs are available to you.

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

About Home Energy Ratings and the HERS Index

The Connecticut building code requires that all new homes meet a minimum level of energy efficiency.  Most new home buyers expect more than this minimum and most new home builders claim their homes are energy efficient.   But without an objective, third-party measurement of energy efficiency there is no way for you to make informed comparisons between homes and between builders’ claims.

A Home Energy Rating (HER) solves this problem by assigning a numerical rating, called the HERS Index, to a home. The HERS index is the industry standard used to measure the energy efficiency of a newly constructed home. It’s also the nationally recognized system for inspecting, calculating and estimating a home’s energy performance.

The HERS index is determined by the Home Energy Rater, who assesses the energy efficiency of a home, assigning it a relative performance score. The lower the score, the more efficient the home or dwelling unit. A typical resale home scores around 130 on the HERS index (on average), while a standard home, built to energy code, scores around 100. Every point below 100 on the HERS index, translates to roughly 1% energy savings compared to a code built home.

 

The scale to the right shows the range of HERS indexes you might encounter when you buy a home. Older, less efficient homes have HERS Indexes over 100. The US Department of Energy estimates that a typical resale home has a HERS index of about 130. Some drafty, poorly insulated homes may have indexes as high as 200! Newer or energy-retrofitted homes have indexes under 100.

All new Connecticut homes should have a HERS Index below 100 since the State adopted higher energy efficiency standards in 2011. A home built to the current building code standard should have a HERS Index close to 85. However many new homes are built to be much more energy efficient and achieve HERS Indexes below 60.

A few new homes achieve HERS Indexes close to zero.  These homes produce as much energy as they use by combining high-performance insulation and mechanical systems with renewable energy systems.  If you are interested in constructing a Zero Energy Home, contact your utility Program Administrator or visit our CT Zero Energy Challenge page

HERS ratings are determined by trained Home Energy Raters who are certified by RESNET (www.resnet.us), a national, non-profit organization that oversees the standards for Rater certification, quality assurance and the calculation of home energy ratings.

Certified HERS Raters use energy modeling software to determine the home’s HERS Index. The energy models use information collected by the Rater from on-site inspections of the home during construction, from testing the air-sealing of the building and its duct systems, from building plans and from independent reports of the efficiency of the installed heating, cooling, water heating, ventilation and on-site generation systems.

To learn more about HERS visit the Residential Energy Services Network (RESNET). Use their interactive HERs Index model to see the impact on savings, carbon footprint and comfort from making your home more energy efficient.

Make your home standout and earn a bonus rebate

Build your home to ENERGY STAR®, LEED for Homes, DOE Zero Energy Ready Home, or National Green Building Standard® requirements and you may qualify for an additional rebate. You might also want to enter your home in the CT Zero Energy Challenge or consider building your home to meet the All Electric Home standards.

Read more below about how each of these national programs might be the right fit for you and your new home.

ENERGY STAR® Homes
You may have heard your neighbors or your builder talk about ENERGY STAR homes. ENERGY STAR is a joint program of the U.S. Environmental Protection Agency and the U.S. Department of Energy. Products such as light bulbs, fixtures and appliances can earn the ENERGY STAR rating if they meet certain energy-efficiency standards. New homes can also earn an ENERGY STAR rating. Through our Residential New Construction program your home may also qualify for an ENERGY STAR rating and an additional incentive. To learn more, visit the ENERGY STAR website.
LEED for Homes
This voluntary rating system promotes the design and construction of high-performance green homes and multifamily buildings.  LEED-certified homes are designed to maximize fresh air indoors, minimize exposure to airborne toxins and pollutants, and to save energy and water.  Your project team must work with a designated LEED for Homes Green Rater (as classified by the Green Building Certification Institute (GBCI), and a project registration must be completed.  Certified LEED home may qualify for an additional incentive through our Residential New Construction program. Find out more about the certification process at the U.S. Green Buildings Council’s website.
DOE Zero Energy Ready Home
U.S. Department of Energy's (DOE) Zero Energy Ready Home fosters a new level of home performance. Rigorous requirements ensure outstanding levels of energy savings, comfort, health, and durability. DOE Zero Energy Ready Home are constructed to outperform both an ENERGY STAR V3 certified home and an existing home in six major categories:
  • Comfort/Quiet
  • Healthy Environment
  • Enhanced Durability
  • Advanced Technology
  • Quality Construction
  • Energy Efficiency

Certified DOE Zero Energy Ready Home may qualify for an additional incentive through our Residential New Construction program. Find out more about the certification process at the U.S. DOE’s Energy Efficiency and Renewable Energy website.

ICC 700 National Green Building Standard (NGBS)®
The National Green Building Standard is the leading green rating system for new and remodeled single- and multifamily buildings as well as residential subdivisions in the United States.  The NGBS is the first and only such residential green rating system to have earned the approval of the American National Standards Institute.

Green building, also known as high-performance building or sustainable construction, incorporates environmental considerations and resource efficiency into every step of the home building and land development process with the goal to minimize the home's environmental impact.  Choosing green means making intentional decisions in your homes construction about:

  • Energy-efficiency
  • Water conservation
  • Resource conservation
  • Indoor environmental quality
  • Site design

Certified NGBS homes may qualify for an additional incentive through our Residential New Construction program. Find out more about the certification process at the Home Innovation Research Labs website.

CT Zero Energy Home Challenge
 Singer Estate Model Home Receives Award from Derby Mayor
Derby Mayor Anita Dugatto presents a 2013 Challenge Award to Brookside Development. The Singer Estate high efficiency model home was designed and built to fit into the current estate property featuring a large, stone home.
If you participate in the Residential New Construction program, consider entering the CT Zero Energy Challenge. The challenge is a design-build competition that awards cash prizes to winners and demonstrates how to build super-high-efficiency homes.

Participating homes demonstrate that it’s possible to build near zero energy homes today, while representing the technologies and techniques it takes to get there. A zero net energy home is designed to exceed minimum code standards and may also produce some of its own energy, using no more energy than it produces on-site. All homes entered in the CT Zero Energy Challenge must participate in the Residential New Construction program. Learn more about the CT Zero Energy Challenge

Did you know you might be able to take advantage of federal income tax incentives for Solar Energy Systems? Congress first passed the incentives in 2005 as part of the Energy Policy Act of 2005 and has amended them several times since then.

Current incentives* expire December 31, 2021. Find out more at ENERGY STAR®.

You should contact a tax professional with questions specific to your situation.

*All other ENERGY STAR federal tax credits expired at the end of 2016.

See how the sponsors of Energize Connecticut helped Hartford Area Habitat for Humanity build thier first Zero Energy Ready home, which won a Grand Prize from the U.S. Department of Energy Housing Innovation Awards.

Overall Winner and Lowest HERS Index and Lowest HERS Index before Renewables, Best Overall Envelope (Tied) Winner

Project: Michael Debari Residence, Preston, Conn.

Builder: Nick Lehto of Lehto Design Build, Danielson, Conn.

HERS Index
Code-Built Home100
Before Renewables37
With Renewables-14

““Sustainability, country living aesthetics, and a place where our blended family of eight could call home were deciding factors in building our new home in Preston,” said Michael Debari. “Working with Eversource and Nick Lehto’s team was a true partnership. After six years, we are excited to have this dream become a reality.”

HES Payment Plan (Micro) Loan Financing Program

 
Type
Home
 
Category
 
Financing
0% Interest
  • Financing
  • Gas Water Heating
  • Heating & Cooling
  • Help for Income Eligible
  • Hot Water
  • Insulation
  • Renewable Energy

With up to 3 years to repay these 0.0% loans from $1,000 to $3,000, and the ability to make loan payments through your utility bill, financing energy-saving improvements to your home couldn’t be easier.

Additional Details

If you have been impacted by the COVID-19 crisis and need to defer your loan payments for this program, please contact your electric utility. Eversource customers should call 1-800-286-2000 and UI customers should call 877-WISE-USE (1-877-947-3873).

It’s never been easier to pay for energy-saving home improvements. Zero-interest loans let you upgrade your home and enjoy lower energy costs right away.

Loans may be for $1,000 to $3,000 and funding will be used for conducting qualified improvements/ equipment replacements. Non-listed work directly related and necessary to the installation of the listed qualifying measures may be financed along with the qualifying measure at the applicable interest rate - (capped at 20% of the total loan amount).

Loan Terms:

  • $1,000 to $3,000 loan amount*
  • 0% interest rate**
  • 3 year (36 months) repayment term

Who is Eligible?

  • Eversource and UI electric customers
  • Applicants must own a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut
  • Applicants must participate in the Home Energy Solutions ℠ Program  (Call 877-WISE-USE (877-947-3873) to arrange a Home Energy Solutions assessment for your home) 
  • Projects that are underway or completed will not qualify for financing. Please do not schedule your project until after you have received your loan documents

Participating Contractors

Visit Capital for Change, Inc (formally called Connecticut Housing Investment Fund) for a list of participating contractors.

How to Apply

Apply online at Capital for Change, Inc for a 0% HES loan

Type 1 Improvements

The 0% loan is limited to the measures listed below. 

  • High Efficiency Insulation - Must conform to current Home Energy Solutions rebate requirements. 
  • ENERGY STAR® Ductless Heat Pumps - Must meet the EnergizeCT Ductless Heat Pump rebate criteria.
  • ENERGY STAR Electric Heat Pump Water Heaters - Energy Factor (EF) 2.4 or greater
  • ENERGY STAR Tankless Natural Gas Hot Water Heaters - 0.94 Energy Factor (EF) or greater.
  • Indirect/Combination Water Heaters attached to a natural gas ENERGY STAR® boiler - 90% (AFUE) or greater.
  • ENERGY STAR Natural Gas Condensing Storage Tank - 95% Thermal Efficiency or greater.
  • Visit Capital for Change, Inc  for a detailed listing of Eligible Improvement Measures

To learn more about the financing program and how to apply, visit the Capital for Change, Inc website. 

* Subject to credit approval by Capital for Change, Inc.

**Interest rate of loan is based on the qualifying measure being financed.

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

If you’re a Connecticut resident and a residential customer of UI or Eversource you could be eligible. To participate, you must own and occupy a single-family home or a multifamily home up to four units, including condos. Vacation homes also qualify.

To qualify for financing, your home improvements must be recommended through the Home Energy Solutions program and be installed by an approved contractor.

To learn more about the financing program and how to apply, visit the Capital for Change, Inc  website. 

If you are a Connecticut resident and are not served by one of the utilities listed above, please visit your municipal utility's website to see what energy efficiency programs are available to you.

Home Energy Solutions - Income Eligible

 
Type
Home
 
Category
  • Appliances & Electronics
  • DOE Home Energy Score
  • Energy Assessment (Audit)
  • Heating & Cooling
  • Help for Income Eligible
  • Hot Water
  • Insulation
  • Lighting
  • Rebates
Energy assessment (audit), no-cost energy upgrades for income-qualified homeowners and renters.

Additional Details

In-home services have resumed with health and safety guidelines in place.

Please visit our Energize CT COVID-19 Energy Efficiency Program Update page for more information and frequently asked questions or visit:

Virtual pre-assessment to Home Energy Solutions is now being offered as a safe, convenient first step for you to make energy-saving improvements. This pre-assessment is available through live, virtual discussions with a technician at no cost. Connect with us to learn more about how we can help you reduce your energy costs.

Is your home drafty and cold in the winter? Does it need more insulation? Do your energy bills feel overwhelming? We can help.

If your family’s combined gross annual income is below the state’s 60 percent income median (see the "Who is eligible" section below), you may qualify for no-cost energy-saving services. A technician certified by the Building Performance Institute will come to your home and make energy-saving improvements to reduce drafts and help you save on your lighting and hot water bills.

If your home qualifies for additional services such as insulation or a more energy-efficient refrigerator, they will arrange for contractors to come back to your home and do the work. Depending on your circumstances, you may receive these services at no cost.

Read "How it works" below to find out how to sign up.

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

Six Steps to Take Smart Energy Action

Check the “Who is Eligible” section below to see if you qualify for this no-cost program.

Submit an application to your local utility online, by phone or by mail. To apply:

  • Online, click the link of your utility provider:

Eversource     UI     CNG     SCG

If you rent, we will need your landlord to sign a form giving us permission to perform the energy-saving services. You are responsible for getting your landlord’s signature on the form.

If you receive fuel-assistance through your local Community Action Program (CAP) agency, you may also apply through their office.

Your utility will review your application. If you qualify, they will assign an authorized contractor or your CAP agency will contact you and ask you to provide them with your name, address and contact information. If you do not qualify, the utility will contact you and suggest other programs that might help you.

A local utility-authorized contractor or your CAP agency will contact you to schedule your service with a certified technician.

(Note: Because of high demand for this program, there may be a waiting list. The program is subject to available funding.)

  • The home energy checkup begins with important safety tests on your furnace and water heater.
     
  • Next, the technician pinpoints drafts and air leaks using a blower-door test. Then they seal the leaks to reduce the drafts.
     
  • If you have forced hot air or central air conditioning, the technician tests your ductwork to check air flow and seals any major leaks.
     
  • The technician may install hot water-saving devices, including low-flow showerheads and faucet aerators, and energy-efficient lighting (subject to program caps).
     
  • The visit ends with a kitchen table wrap-up. The technician reviews the work done around your home and discusses any deeper energy-saving measures they plan to install. These may include:
     
    • Insulation
       
    • ENERGY STAR® certified appliances to replace old, inefficient appliances. This may include refrigerators, freezers and dehumidifiers.
       
    • Gas heating system burner and furnace repairs or replacements (limited to Eversource and CNG customers)
       
    • ENERGY STAR certified windows to replace single-pane windows if you use electric heat or gas heat exclusively (Windows may require a co-payment.)
       
  • The technician gives you a Home Energy Solutions program booklet, which shows the areas of your home that were serviced during the visit. It includes information about easy ways to save energy wherever you live, and it contains utility and state resources that can help make your energy bills more manageable.

If your home qualifies for additional energy-saving measures, then your contractor will install them. A different contractor may do the work, but your technician will make all of the arrangements.

One of the additional energy saving measures may be an ENERGY STAR certified Heat Pump Water Heater. Learn more about Heat Pump Water Heaters.

In some cases, your landlord may be asked to pay some of the costs of these deeper energy-saving measures.

That’s it!  Your savings begin with your energy checkup, so don’t delay. Sign up now.

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

Who is Eligible?

Residential customers of Eversource, UI, CNG and SCG who meet income-eligibility requirements may qualify for this program. To determine if you are income-eligible, locate your family size on the chart below and the dollar amount next to it. If your family’s combined gross annual income does not exceed this amount, you meet the state’s 60 percent income median and qualify for the program.

Income Guidelines for the 2020–2021 Fuel Season
Yearly Income Limits All Household Members)

Family Size Maximum Annual Income
1 Under $37,644.67
2 Under $49,227.64
3 Under $60,810.62
4 Under $72,393.60
5 Under $83,976.57
6 Under $95,559.55
7 Under $97,731.36
8 Under $99,903.16

Assets, like your home and car, are not included.

You may also qualify if you meet your utility’s hardship criteria. Please contact your utility to find out more.

Applying is easy. Just submit your completed application form to begin:

Eversource     UI     CNG     SCG

If you rent your home, your landlord must complete the Landlord Service Agreement that is included with the application.

If you have received an HES energy checkup on your home within the last 36 months, you may not be eligible to participate again.

If your family’s combined gross annual income is above the state’s 60 percent income median, you may qualify to participate in Home Energy Solutions - Core Services for a co-pay.

If you are a Connecticut resident and are not served by one of the utilities listed above, please visit your utility’s website to see what energy efficiency programs are available to you. Please click here for information on how to contact your municipal utility.

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

WE ALSO OFFER TWO SIMILIAR PROGRAMS:
Home Energy Solutions - Core Services

No matter how you heat your home, there’s an easy way to lower your energy bill that’s also good for the environment, and it can even make your home more comfortable. Home Energy Solutions offers on-the-spot services to homeowners and renters for immediate savings. For a limited time, Home Energy Solutions is available to eligible customers at no-cost. You may also receive up to 100% off approved insulation projects recommended during your visit. We empower you with recommendations and resources for deeper savings, too. Learn more about this program.

Multi-family
The multi-family building (5+ units) you live in or own may be eligible for energy-efficiency upgrades through more than one program. This one-stop program brings them all to your door, making it easy for you to save energy. Learn more about this program.

Home Performance with ENERGY STARENERGY STAR® is the simple choice for energy efficiency. For more than 20 years, people across America have looked to the ENERGY STAR program for guidance on saving energy, saving money, and protecting the environment. Home Performance with ENERGY STAR is a systematic approach to improving energy efficiency and comfort in homes, while reducing the greenhouse gas emissions that contribute to climate change.

Join the millions already making a difference at energystar.gov.

 

If you are struggling to pay your monthly energy bill, Eversource and UI offer programs to help. You can learn more about these programs on your utility website: Eversource  UI

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