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Consumer
Loans

Capital To Empower HOMEOWNERS

Capital for Change (C4C) offers a variety of loan programs to meet consumer needs, covering improvements ranging from such basics as insulation and heating systems to more advanced products, including solar panels and geothermal systems. Several programs are underwritten based on utility-repayment history rather than on credit reports, offering an opportunity for credit-challenged customers to still take advantage of low rates and achieve energy savings in their homes. C4C also offers specialized mortgage products and services for first-time home buyers and current homeowners.

Our Consumer Loan Products - Understanding Which Loan Is Right For You

||| Energy Efficiency Loans

Smart-E Loans 
Smart-E Loans Homeowners can reduce their energy consumption by making their homes more weathertight with a variety of improvements, including insulation, windows, ENERGY STAR® heating and cooling systems, and solar panels. These “Smart-E” loans from $500 to $40,000 are available with interest rates from 4.49% to 6.99% for 5- to 12-year terms.

Home Energy Solutions Payment Plan (Micro) Loans 
The Home Energy Solutions Payment Plan (Micro) Loan provides financing for smaller energy-efficiency improvements, such as insulation, that reduce household costs while maintaining healthy, efficient and comfortable homes. Loans may be for $1,000 to $3,000 and are offered at 0% interest for three years. These loans are limited to Eversource and United Illuminating residential electric customers.

EnergizeCT Heat Loans 
A homeowner who is an Eversource or United Illuminating residential electric customer may be eligible for a 0.99% interest loan to purchase and install an energy-efficient heating system. This program requires a minimum down payment that is determined by the new system’s projected energy savings.

Landlord Loans 
Making your property more weathertight and energy efficient will assist you in attracting tenants, reducing the property’s energy consumption, and lowering utility bills. 
Loans may be for $3,000 to $40,000 and funding will be used for conducting qualified improvements/equipment replacements.

||| CHFA Mobile Home Mortgage

CHFA Mobile Home Mortgage
This program is for qualifying applicants purchasing a mobile home located in a state-licensed mobile home park within Connecticut. This is an income-targeted program, with income limits for the program set by the Connecticut Housing Finance Authority (CHFA). Thirty-year fixed-rate term financing at a low-interest rate can be secured with a minimum down payment of 20%. These loans are not eligible for down payment assistance. Good credit history is also required.

||| We're Here To Help

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Consumer Lending Customer Service
Phone: 1-855-656-5500
Lending@capitalforchange.org
Company: NMLS #276717