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 

participating contractor search

Apply to Become Part of the Contractor Network

To apply for theย Participatingย Contractor Network, please fill out the ESHLP Contractor Participation Agreement.ย 
As an ESHLP Participating Contractor, you will be included on the affiliated contractor network list and have the ability to support projects financed with the Energy Saver Home Loan (ESHL).
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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)

Program resources

FACT SHEET

INCOME LIMITS

CHANGE ORDER

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.

watch

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.

watch

ESHLP Change Orders

This video reviews Energy Saver home loan program change orders, including the steps for review and approval and the key details homeowners need to submit them successfully. We know that unexpected changes can arise during the project, and this video is designed to help streamline the process.

watch

Preparing ESHLP Homeowners to Get Quotes

This video gives an overview of an ESHLP homeownerโ€™s experience prior to quote gathering, what was assessed during the site visit, and the conversations they have already had about their project goals, timeline, and financing options. Understanding this background will help participating ESHLP contractors build on that foundation, deliver a more informed quote, and support homeowners with their expertise on the measures recommended in their Decarbonization Plan.
watch

ESHLP Homeowner Reports

This video walks through the key documents ESHLP homeowners receive after a site visit: the Decarbonization Plan and Energy Reduction Report (energy model). It explains what each report contains, how the information was compiled, and how homeowners and contractors can reference them to accurately quote the job.
watch

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 programโ€™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:

watch

Zoom Passcode: gHn8Mdr@

ESHLP participating contractors

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