|Incentive Type:||Local Loan Program|
|Eligible Efficiency Technologies:||Clothes Washers/Dryers, Dishwasher, Refrigerators, Ceiling Fan, Water Heaters, Furnaces, Boilers, Heat pumps, Central Air conditioners, Heat recovery, Programmable Thermostats, Duct/Air sealing, Building Insulation, Windows, Doors, Roofs, Comprehensive Measures/Whole Building|
|Terms:||All loans are unsecured; interest vary rates from 0.99% - 5.99%; terms of 3, 5, or 10 years available|
Loans: 1,000 - 15,000
Home assessment: up to 300
The Keystone HELP Program is designed to help homeowners improve energy efficiency with special financing for high-efficiency heating, air conditioning, insulation, windows, doors, and “whole house” improvements. Principally supported by the Pennsylvania Department of Environmental Protection, the Pennsylvania Treasury Department and the Pennsylvania Housing Finance Agency, the Keystone HELP program is administered by AFC First Financial Corporation, a Pennsylvania energy efficiency lender. The EnergyWorks Efficiency Loan Program is a special offshoot of Keystone HELP which offers special, lower interest rates to qualifying homeowners in Bucks, Chester, Delaware, Montgomery, and Philadelphia counties.
Pennsylvania homeowners who own and make qualifying improvements to their one- or two-unit primary residence located within the eligible counties, and whose combined annual household income does not exceed $250,000 are eligible to apply for loans under this program. All installed equipment and material must be new, and work must be performed by a qualifying contractor. A list of qualifying contractors is available on the program web site. The following types of loans are available for energy efficiency improvements:
Prospective participants should note that each loan offering has distinct list of eligible energy efficiency improvement measures and equipment standards. All loans are unsecured and do not carry any penalties for pre-payment. Residents who qualify for the loans described above also qualify of other loan offerings through the general, Statewide Keystone HELP Energy Efficiency Loan Program. Please see the program web site listed at the top of this page for additional program details.