Program Overview
The Energy Saver Home Loan Program will assist eligible Massachusetts homeowners to cut their energy use and reduce or eliminate their reliance on fossil fuels. The Program will provide financing and technical support to households for measures beyond those covered by other programs such as Mass Save®. Low- interest loans of up to $100,000 are available to income-qualified (<135% AMI) owner-occupants, either of a single-family home or of at least one unit in a 2-4 family home (no condos), to complete qualifying energy-related home improvements. The performed work must demonstrate at least 20% modeled energy savings. Abode is providing energy advising services for the program including establishing a network of contractors across eligible measures to serve participating customers.
ESHLP PARTICIPATING CONTRACTOR NETWORK
The contractors that participate in the Energy Saver Home Loan Contractor Participating Network have provided proof of insurance in the state of Massachusetts. Companies have proof of trade-specific licensure and correlating continuing education certificates.
Eligible Improvements
Health & Safety Improvements
- Combustion Safety Repair
- Mold Remediation
- Knob and Tube Wiring Remediation
- Asbestos Remediation
- Oil Tank Removal
- Basement Moisture
- Non-structural Leak Repair
(cladding, roofing, window, door) - Structural Repair
Energy Efficiency / Weatherization
- Air Sealing & Insulation
- Duct Sealing & Insulation
- Roofing
- Fortified Roofing
- White Roofing
- Windows
- Exterior Doors
HVAC
- Ventilation
- Air Source Heat Pumps
- Ground Source Heat Pumps
- Thermostats
Domestic Hot Water
- Heat Pump Water Heater
- Solar Thermal
Electrical / Clean Energy Technologies
- Electric Panel Upgrade and Wiring
- EV Charging Station
- Solar PV
- Battery Storage
Appliances, Lighting, Fixtures
- Electrical / Induction Cooking
(cooktop, range, oven) - Heat Pump Clothes Dryer
- Low Flow Faucets and Toilets
- LED Lighting
Site Work
- Arborist-approved Shade Trees
- Tree Pruning
Ineligible Improvements
- No Fossil Fuel Allowed – Electric Only
- Eligible improvements will be determined by the Energy Service Provider (not the lender)
Network Types & Benefits
Participating Contractor Network
- Required to do work in the program
- The company is included on contractor network lists
- Access to the Energy Saver Home Loan (ESHL)
Preferred Contractor Network
- Smaller network of vetted contractors
- The program recommends company
- Trade-specific vetting requirements
- Contractors who are generally aligned with the program on recommendations, best practices, etc.
- Access to the Energy Saver Home Loan (ESHL)
Participating Contractor Network Requirements
| Contractor | Onboarding Requirement Examples |
|---|---|
|
- General or multi-service contractors - Insulation (non-Mass Save) - Exteriors (windows, siding, roofing) - Electricians |
- Appropriate licenses - Certificate of Insurance - W9 - Other program eligibility (e.g. Mass Save HPIN network) |
| - HVAC/Plumbing (opportunity for sizing data sharing) |
- Appropriate licences - Certificate of Insurance - W9 - Other program eligibility (e.g. Mass Save HPIN network) |
|
- Clean Energy - Environmental (Barriers) - Insulation (Mass Save) - Other: Basement waterproofing, Mason, Drywall, Arborist |
- Appropriate licences - Certificate of Insurance - W9 - Other program eligibility (e.g. Mass Save HPIN network) |
Preferred Contractor Network Requirements
| Contractor | Initial Vetting Requirement Examples | Onboarding Requirement Examples |
|---|---|---|
|
- General or multi-service contractors - Insulation (non-Mass Save) - Exteriors (windows, siding, roofing) - Electricians |
- Recommendation and best practice alignment - Recent projects submission |
- Customer satisfaction - Install quality |
| - HVAC/Plumbing (opportunity for sizing data sharing) |
- Recommendation and best practice alignment - Recent projects submission |
- Per project submission requirements TBD (working to align with Mass Save) - Customer satisfaction - Install quality |
|
- Clean Energy - Environmental (Barriers) - Insulation (Mass Save) - Other: Basement waterproofing, Mason, Drywall, Arborist |
No Preferred Network at this time | No Preferred Network at this time |
Apply to Become Part of the Contractor Network
Please note: If you are interested in being a part of the Preferred Contractor Network in the future, please indicate this interest at the bottom of the agreement. This will involve an additional enrollment form that is not currently available, but will be sent out to those interested once it is.
Contractor Training Videos
These videos were created to be quick references for contractors to learn more about the program and its processes.
Program & Installer Network Overview
Quality Assurance & Payment
Contractor Network Webinar
Abode held an informational webinar on August 18th, 2025 for contractors to learn more about how they can participate in the ESHL Program. We covered the program’s benefits and requirements, its process and resources, and the application, disbursement, and QA process as part of contractor network participation. A recording has been made available:
Download the Presentation Slides