Homeowners and Borrowers

Energy Conservation Loan Program

Thank you for considering applying for the Energy Conservation Loan (ECL) program.  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).

This is an income-restricted program. Please click here for the current income limits.

Loan Amount and Term
Single family (1-4 units) homeowners may borrow up to $25,000 and multi-family property owners may borrow up to $2,000 per unit (a maximum of $100,000 per building) for a period of 10 years for eligible improvements.

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

  • Automatic Set-Back thermostats
  • Siding
  • Caulking and Weatherstripping
  • Insulation
  • Replacement Heat Pumps
  • Replacement Heating Systems
  • Replacement Roofs
  • Replacement Windows
  • Solar Systems and Passive Solar Additions

Click here for income limits guidelines.

Click here for an ECL Eligibility Fact Sheet

Click here to apply for an ECL Loan

The application process is simple (click on "How to Apply") and CHIF's loan underwriters are available to guide you every step of the way. To learn more click on Frequently Asked Questions (FAQ) below or E-mail your questions to loans@chif.org

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

Home Energy Solutions Program
This comprehensive program offers a full range of energy efficiency measures to address inefficient lighting, water heating, inefficient heating equipment, refrigeration and insufficient insulation. This program, funded by the Connecticut Energy Efficiency Fund, is $75.00 for natual gas or electrically heated homes, or $99.00 for oil or propane heated homes.

United Illuminating customers - click here for more information
Connecticut Light and Power customers - click here for more information