energy saver home loan program
Providing energy advising services, including establishing a network of contractors across eligible measures to serve participating customers.Program overview
The Energy Saver Home Loan Program (ESHLP) 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 Saveยฎ. 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.ย
Eligible improvements
Health & Safety Improvements
- Mold Remediation
- Vermiculite Remediation
- Asbestos Remediation
- Knob & Tube Wiring Remediation
- Oil Tank Removal
- Basement Moisture Improvement
- Non-structural Leak Repair (roofing)
- Non-structural Leak Repair (siding)
- Structural Repair-Roofing
- Structural Repair-Siding
- Radon Remediation
Energy Efficiency / Weatherization
- Mass Save Weatherization
- MLP Weatherization
- Spray Foam Insulation
- Air Sealing & Insulation
- Duct Sealing & Insulation
- Roofing-Asphalt/Shingle
- Roofing-Flat/Low Slope
- Roofing-Cool/White/Reflective
- Double Pane Windows
- Triple Pane Windows
- Exterior Doors
HVAC
- Air Source Heat Pumps Ducted
- Air Source Heat Pumps Ductless
- Air to Water Heat Pumps
- Ground Source Heat Pumps
- Kitchen Ventilation
- Bathroom Ventilation
- Whole House Ventilation (ERV)
- Combustion Safety Repair
Hot Water & Plumbing
- Heat Pump Water Heater
- Solar-assisted HPWH
- Split-system HPWH
- Solar Thermal
- Low flow fixtures/toilets
Electrical / Clean Energy Technologies
- Electric Panel Upgrade and Wiring
- EV Charging Station
- Solar PV
- Battery Storage
Appliances, Lighting, Fixtures
Site Work
- Shade Tree Planting
- Tree Pruning
- Drainage Correction
- Excavation Work
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 theย Preferredย Contractor Network in the future, please indicate this interest at the bottom of the agreement. This will involve an additional enrollmentย form that is not currently available, but will be sent out to those interestedย once it is.
Program resources
FACT SHEET
INCOME LIMITS
CHANGE ORDER
CONSENT FORM
Contractor training videos
These videos were created to be quickย references for contractors to learn more about the program and its processes.
Program & Installer Network Overview
This video introduces the ESHLP, its goals, and key features. It walks through the program structure and project options before getting into more details on the loan product and customer journey. Finally, it will address how contractors can join the network.
Quality Assurance & Payment
This video dives into the quality assurance process, how to submit QA forms, what Abode will be reviewing, and how contractors receive payments.
Contractor Network Webinar
Abode held an informational webinar on April 8th, 2026 for contractors to learn more about how they can participate in the ESHL Program. We covered the programโs 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:
