Homeowners and Borrowers

Energy Conservation Loan Program

Thank you for considering applying for the Energy Conservation Loan (ECL) program.  Please read further to see if you qualify and for the "how to apply" link.

The Energy Conservation Loan Program (ECL) and the Multifamily Energy Conservation Loan Program (MEL) provide financing at below market rates to single-family and multi-family residential property owners for the purchase and installation of cost-saving energy conservation improvements. The program is administered by the Connecticut Housing Investment Fund, Inc. (CHIF) with funding from the Connecticut Department of Housing (DOH). Applicants must be residents of the State of Connecticut. 

Income Limit
This is an income-restricted program. Please click here for the current income limits by town and household size.

Loan Amount and Term
Single family (1-4 units) homeowners may borrow up to $25,000 and multi-family (5+ units) property owners may borrow up to $3,500 per unit (a maximum of $100,000 per building) for a period of 10 years for eligible improvements. 

Click here for an ECL Eligibility Fact Sheet (1-4 units)

Click here for a MEL Eligibility Fact Sheet (5+ units)

Eligible Improvements

The following are some of the improvements eligible under the ECL/MEL programs:

  • Automatic Set-Back thermostats
  • Caulking and Weatherstripping
  • Insulation
  • Replacement Central Air Conditioning Systems
  • Replacement Heating Systems
  • Replacement Hot Water Heaters
  • Secondary Heating Systems (non-electric)
  • Heat Pumps
  • Replacement Roofs
  • Replacement Windows and Doors
  • Siding
  • Solar Systems and Passive Solar Additions
  • Geothermal Systems

Participating Contractors

CHIF Participating Contractor List

Apply for a Loan

The application process is simple. Click here to apply for an ECL Loan for up to 4 unit properties (including condominiums and mobile homes). For properties with 5+ units, please download the application hereTo learn more, click on the Frequently Asked Questions (FAQ) below or E-mail your questions to lending@chif.org

Single-Family Energy Conservation Loan Program FAQ
Multi-Family Energy Conservation Loan Program FAQ