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Home Energy Loan Program

Savings Category 
Heat Pumps
Maximum Rebate 


Program Info
Funding Source 

American Recovery and Reinvestment Act of 2009

Start Date 


Program Type 
State Loan Program
Rebate Amount 

Loans from $1,500 - $30,000

Maryland Clean Energy Center

Note: The eligible technologies listed above are only examples of some improvements that might be supported under this program as detailed on the program web site. Other improvements may be eligible and not all potentially eligible improvements will be appropriate for all participants.

The Maryland Energy Administration (MEA) joins the Maryland Clean Energy Center (MCEC) in offering low interest loans for projects which increase the energy efficiency of participating residences. Loans from $1,500 to $30,000 are available at an interest rate of either 6.99% or 9.99%. Property must be an owner-occupied primary residence located in the state of Maryland in order to be eligible. Single-family detached homes and townhouses are eligible for loans while condominiums and coops are unable to participate.

In order to qualify for the 6.99% interest rate, homeowners must have a complete home energy audit to determine the scope and cost of potential projects. Auditors must be MCEC approved and certified. Based upon the audit findings, homeowners may determine the most effective energy efficient measures to pursue. Typical measures include air sealing, insulation and HVAC equipment upgrades but are not necessarily limited to these improvements. Participants must then enter a contract with an approved contractor indicating the measures and costs included. After the completion of a contract, participants may register and apply for loans through MCEC. The 9.99% interest rate option is available for the replacement of existing HVAC equipment with Energy Star qualified equipment that has a minimum SEER of 16. This option does not require the homeowner to receive an energy audit.

Interested homeowners may register and apply at MCEC web site listed above or contact MCEC for further information on this program.