Through the Minnesota Housing and Finance Agency (MHFA) and the Minnesota Department of Commerce, CEE offers home energy loans for Minnesota homeowners to make energy improvements in their homes.

The guidelines below are subject to change at any time without notice. Loan funds are subject to availability. Please call us for complete details. Thanks to local partnerships, we also offer special programs and incentives for several Minnesota cities and neighborhoods.

马上申请

MHFA Supplemental Application

Hablamos Español: 612-335-5856

靠谱的外围竞猜app贷款

This loan is NOT secured by a mortgage to your property.
No maximum income limits.
Loan amounts up to $30,000.
术语s from 3 to 10 years.
Financing available for 100% of project costs.
No prepayment penalty.
成交费用适用.

资格

1-4 unit owner-occupied, primary residence.
Most energy related improvements are eligible including heating and cooling systems, 窗户。, 热水器, 和绝缘.
Loan approval is subject to credit and program guidelines.
Properties cannot be in the name of a trust.

当前的利率

Subject to change at any time. APR based on loan amount of $30,000.

起征点:	术语	年利率低至	付款的例子
6%	5年	6.104%	$19.33
6%	10年	6.056%	$11.10

Calculate My Payments

Based on current rates. Qualifications apply.

贷款的细节

This loan is NOT secured by a mortgage to your property.
成交费用适用.

首页。owners with questions about project(s) eligibility should contact CEE.
1 bid is required from a properly licensed contractor or registered with the MN Department of Labor.
If you're thinking of installing an air source heat pump or insulation, consider having a home energy audit. An audit will help determine if these improvements are right for your home.
家庭能源审计

Eligible improvements include:

Programmable Thermostat	Bid must reference programmable thermostat
供暖系统(Programmable thermostat required)	Natural gas or propane furnace AFUE >= 95 Oil furnace, AFUE >=85 Gas, propane or oil hot water boiler AFUE>= 90 *Programmable thermostat installation required
Air Source Heat Pump (Programmable thermostat required)	Split ducted (central system): SEER2 >= 15.2 / SEER>= 16.0, EER2 >= 10.0 / EER >= 10-.0, HSPF2 >= 8.1 / HSPF >= 9.5 Non-ducted (mini-split) system: SEER2 >= 16.0 / SEER >=16.0, EER2 >= 9.0 / EER >= 9.0, HSPF2 >= 9.5 / HSPF >= 9.5 Packaged systems: SEER2 >= 15.2 / SEER >= 16.0, EER2 >= 9.0 / EER >= 9.0, HSPF2 >= 9.5 / HSPF >= 10.6
Central A/C or Mini Split	Split systems: SEER >=15, EER >= 13 Package systems: SEER>= 14, EER >= 12 Mini-split systems: SEER>= 15, EER >= 13 *Programmable thermostat installation required
灯具	Must meet Energy Star requirements (Energy Star CFL fixtures replace less efficient incandescent fixtures, are hardwired and use pin-based lamps).
窗口替换	Windows must be Energy Star qualified under Federal guidelines. Patio doors are eligible.
阁楼空气密封	Testing the air tightness of a home using a calibrated door will measure the quantity of air leakage and air sealing effectiveness. 阁楼 air sealing is a prerequisite for wall/attic insulation loan eligibility.
阁楼	阁楼 insulation must be combined with attic air sealing for loan eligibility. Final R-Value >= R-44.
墙保温	All external wall cavities must be filled with insulation. Loan eligibility is conditional on attic air sealing being performed.
热水器	Gas storage units >= 0.67 Energy Factor (EF) Gas tankless units >= 0.82 EF with 2.5 gpm @ 77°F rise Electric storage units = 0.95 EF Electric heat pump storage unit >=2.0 EF

Unsecured loan isn't tied to the house, so it is more like a personal loan. NO assets are levered as security for the lender.
This results in a simpler and faster loan processes, since no title check is involved.
The loan can also close electronically and the documents don't need to be notarized as they do with secured loans.

The current loan terms and conditions stated, including interest rates, do not constitute a commitment to lend or an offer to enter into an agreement. Such an offer may only be made pursuant to Minnesota Statutes, Section 47.206(3)和(4).

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