Capital For Change Logo

Online Account Access

Apply for a new Loan Continue loan application Check application status

You have a closed loan Make a payment View history

Review portfolio Access history

close this window
Help

LANDLORD LOAN

  • check mark
    Insulation
  • check mark
    Boiler
  • check mark
    Furnace
  • check mark
    Heat Pumps
  • check mark
    Tankless Water Heater
  • check mark
    Indirect Water Heater
  • check mark
    Central Air Conditioning
  • check mark
    Windows
  • check mark
    Solar
  • check mark
    Geothermal
  • check mark
    Caulking, Weatherstripping
  • check mark
    Air / Duct Sealing
  • check mark
    Remediation

  • Compare All Energy Loans

    chevron-down
    Smart-E Loan
    EnergizeCT
    Heating Loan
    HES Payment Plan
    (Micro Loan)
    C4C Landlord Loan
    Energy 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 hihger 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).

Loan Terms:

$3,000 to $40,000 loan amount
4.49% - 6.99% interest rate
5-12 year repayment term

Eligible

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.

Participating Contractors

Participating Contractors List

Eligible Improvements

Detailed listing of Eligible Improvement Measures

Apply for a Loan

Please call (855) 656-5500 for a C4C Landlord Loan.

Apply Now

Main Office

10 Alexander Drive
Wallingford CT 06492

P. (860) 233-5165

© 2020 Capital for Change. NMLS#276717   |   This institution is an equal opportunity provider.   |   Privacy Policy