Spread it out at 0%
Saugus Heat Pumps on the 0% HEAT Loan
Spread the cost of a heat pump across months at zero interest, while we put together the proposal and forms.
No Interest, Less Hassle
A heat pump is a big check to write. The Mass Save HEAT Loan makes yes easier to say. It is a 0% interest loan, up to $25,000, offered by lenders enrolled in the program for heat pumps and weatherization. You apply with the lender yourself, and approval is their call, not ours. Our job is everything around it. Using the loan takes an account with a Mass Save utility, a written contractor proposal, a signed authorization form, the lender's approval and a post-install inspection. We write the proposal with equipment, price and scope spelled out cleanly, walk you through the authorization form and pull together whatever documents the lender wants from the contractor. After the install, we help get the inspection on the books. Put a rebate next to the loan and the amount you pay up front can shrink a great deal. Before any work begins, we sit down with you, figuratively or at the kitchen table, and show how the rebate and loan fit together for your house. No fuzzy math. No pushing.
How We Pitch In on the Loan
The lender runs the loan itself. The contractor-side pieces are ours.
Proposal written cleanly
Units, scope and cost set out the way a lender expects to find them.
The authorization form
Guidance on the program form that connects your project to the loan.
Contractor documents
Whatever the bank or credit union asks of the installer, collected and handed over.
Rebate next to loan
The rebate estimate, the borrowed amount and your remaining share, side by side.
Insulation can ride along
Weatherization from your assessment can sit inside the plan the loan helps fund.
Inspection after install
Help setting up the inspection the program expects once everything is in.
Financing, Start to Wrap-Up
Confirm the basics
Utility account and scope talked through, so you know the loan suits the job before applying.
Paperwork in hand
You receive the proposal and help with the authorization form, then apply with an enrolled lender.
Work and inspection
With approval in place, the install happens, then the inspection and the closing documents.
Homeowners Like Our Money Talk
Plain about dollars
What the loan pays for and what it does not, explained. We never pretend to predict the lender.
Tidy documents
Complete, accurate paperwork keeps things moving without endless back-and-forth.
Everything planned together
Units, rebate and loan mapped as one, so the figures agree from the very start.
- Zero interest
- Proposal written
- Program forms done
- Inspection arranged
Heat Pump Now, No Giant Check?
We can talk through how the 0% loan and a rebate might work at your place, and what you would need to begin.