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Mass Save HEAT Loan - Zero% Interest and Super EASY to Apply for!

Updated: Jun 5, 2023

From the attic to basement, we're here to help you with your home energy upgrades. The Mass Save® HEAT Loan offers interest-free financing opportunities up to $25,000 for energy-efficient home upgrades like heating and water heating equipment, central A/C and heat pumps, insulation and more. View Eligible Services

Eligibility Requirements

  • The HEAT Loan is available to qualified customers participating in the Mass Save Program.

  • Loan applicant must be the homeowner.

  • Residents must have a current residential electric account.

  • Municipal electric customers can take advantage of the HEAT Loan offer if the home is heated with natural gas, provided by a Mass Save Program Sponsor.

  • Municipal electric customers can apply for the HEAT Loan for all upgrades, with the exception of central air conditioning, heat pumps and heat pump water heaters.

  • Financing is only available for qualifying energy-efficient improvements outlined within the HEAT Loan packet.

  • Financing is contingent upon loan approval from a participating lender.

To get started, you you can call us with any interest or idea you have to upgrade or install a water heater or boiler system. We will give you a proposal with a letterhead.

You can then call Mass Save at 866-527-SAVE to schedule a Home Energy Assessment. A Mass Save representative will provide information to opportunities to improve your efficiency and where financing can help.

How to Apply for HEAT Loan

Step 1: Choose G&C Plumbing and Heating. We will give you a signed proposal with an official letterhead. We have no problem with you getting multiple quotes from other licensed and insured contractors.

Step 2: Complete and submit a copy of the Intake Form (this is provided at the time of your Mass Save Home Energy Assessment) to your HEAT Loan Program Administrator. Include our G&C Plumbing and Heating signed proposal and any additional required documentation. If your work meets program eligibility requirements, you will receive an Authorization Form.

Step 3: Secure the loan. Submit your completed Authorization Form to your selected participating lender. If approved, the lender will provide you with a two-party check made payable to you and us. To view a complete list of participating lenders, click here.

Step 4: Complete the upgrade(s). To pay G&C Plumbing and Heating, simply sign over the bank check.

Step 5: Apply for a rebate. Visit to apply for any available rebates.

Step 6: Complete your verification inspection. Call 866-527-SAVE for details on completing this required verification.

If you are ready to begin the process Click to Apply. You can check your Application Status Here

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This is information is seen and provided by Mass Save Heat Loan Program page.


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