Tankless Water Heater
Indirect Water Heater
Central Air Conditioning
Air / Duct Sealing
Heating LoanHES Payment Plan
(Micro Loan)C4C Landlord LoanEnergy Conservation Loan (ECL) **Emergencies only**
Interest Rate 4.49% - 6.99% 0.99% 0% 4.49% - 6.99% 0-3% Repayment Plan 5-12 years 3-10 years 3 years 5-12 years 10 years Payments may be added to electric bill Eversource Only Required Required Eversource Only NO Eversource / UI Electric Customers Only NO YES YES NO NO Underwriting Basis Credit Report Utility History Utility History Credit Report Credit Report Minimum FICO 580 N/A N/A 660 N/A Debt to Income Ratio Maximum*waived for higher credit scores 50%* N/A N/A 50%* 50% Minimum Loan Amount $500.00 $1 350.00 $500.00 $3 000.00 $400.00 Maximum Loan Amount $40 000.00 $15 000.00 $3 000.00 $40 000.00 $25 000,00 Owner-Occupancy Required YES NO NO NO NO CT Residency Required YES NO NO NO YES Income Limit Applies NO NO NO NO YES Eligible Improvements See Table Heating System See Table See Table See Table HES Assessment Required NO NO YES NO NO Downpayment Required NO YES NO NO NO Fees NO NO NO UCC Fee $50 Recording Fee $60-$75 Prepayment Penalty NO NO NO NO NO Security Unsecured Unsecured Unsecured UCC Filing Secured by property
Save energy and money by improving your investment property's energy efficiency with low-cost financing
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. Non-listed work directly related and necessary to the installation of the listed qualifying measures may be financed along with the qualifying measure at the applicable interest rate (capped at 20% of the total loan amount).
$3,000 to $40,000 loan amount
4.49% - 6.99% interest rate
5-12 year repayment term
Applicants must own a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut.
Projects that are under way or completed will not qualify for financing. Please do not schedule your project until after you have received your loan documents.
Apply for a Loan
Please call (855) 656-5500 for a C4C Landlord Loan.