LANDLORD LOAN

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    Insulation
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    Boiler
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    Furnace
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    Heat Pumps
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    Tankless Water Heater
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    Indirect Water Heater
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    Central Air Conditioning
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    Windows
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    Solar
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    Geothermal
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    Caulking, Weatherstripping
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    Air / Duct Sealing
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    Remediation
  • Compare All Energy Loans

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    Smart-E Loan
    EnergizeCT
    Heating Loan
    HES Payment Plan
    (Micro Loan)
    C4C Landlord Loan
    Energy Conservation Loan (ECL) **Emergencies only**
    Interest Rate 4.49% - 6.99% 0.99% 0% 4.49% - 6.99% 0-3%
    Repayment Plan 5-12 years 3-10 years 3 years 5-12 years 10 years
    Payments may be added to electric bill Eversource Only Required Required Eversource Only NO
    Eversource / UI Electric Customers NO YES YES NO NO
    Underwriting Basis Credit Report Utility History Utility History Credit Report Credit Report
    Minimum FICO 580 N/A N/A 660 N/A
    Debt to Income Ratio Maximum
    *waived for hihger credit scores
    50%* N/A N/A 50%* 50%
    Minimum Loan Amount $500.00 $1 350.00 $1 000.00 $3 000.00 $400
    Maximum Loan Amount $40 000.00 $15 000.00 $3 000.00 $40 000.00 $25 000,00
    Owner-Occupancy Required YES NO NO NO NO
    CT Residency Required YES NO NO NO YES
    Income Limit Applies NO NO NO NO YES
    Eligible Improvements See Table Heating System See Table See Table See Table
    HES Assessment Required NO NO YES NO NO
    Downpayment Required NO YES NO NO NO
    Fees NO NO NO UCC Fee $50 Recording Fee $60-$75
    Prepayment Penalty NO NO NO NO NO
    Security Unsecured Unsecured Unsecured UCC Filing Secured by property

Save Energy and Money by Improving Your Investment Property's Energy Efficiency with low-cost financing

Making your property more weather tight and energy efficient will assist you in attracting tenants, reducing the property’s energy consumption, and lowering utility bills.

Loans may be for $3,000 to $40,000 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:

$3,000 to $40,000 loan amount
4.49% - 6.99% interest rate
5-12 year repayment term

Eligible

Applicants must own a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut
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

Participating Contractors List

Eligible Improvments

Detailed listing of Eligible Improvement Measures

Apply for a Loan

Please call 860.233.5165 x2002 for a C4C Landlord Loan.

Apply Now

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This institution is an equal opportunity provider.