The Mass Save HEAT Loan intake form is the online application at myheatloan.com that starts your zero-percent-interest financing for energy-efficient home upgrades in Massachusetts, with loan amounts from $500 to $25,000.1Mass Save. Mass Save HEAT Loan You can’t submit it until a Mass Save energy assessment has been done on your home and a licensed contractor has given you a signed, itemized proposal. Once you submit a complete form, a program administrator reviews it and, if approved, issues an Authorization Form you take to a participating lender.2Mass Save. 0% Interest Financing
Customers in North Attleboro use a separate portal at masssaveheatloan.com instead.2Mass Save. 0% Interest Financing
What You Need Before You Open the Form
Pull everything together before you log in. If any one piece is missing or inconsistent, you’ll stall partway through or get bounced back for clarification.
- Home Energy Assessment ID. You can’t start the form without it. Schedule the no-cost assessment through masssave.com; a specialist visits your home, identifies recommended upgrades, and issues you the ID that links your application to those recommendations. Save it.
- Signed contractor proposal. It needs to list the full scope of work, manufacturer names, and complete model numbers for all equipment. For heat pump systems, that means both the indoor and outdoor units.
- AHRI reference number. For heating and cooling equipment, the Air-Conditioning, Heating, and Refrigeration Institute certificate number confirms the system meets Massachusetts efficiency benchmarks. Your contractor or equipment distributor supplies this.
- Itemized costs. Labor and equipment should be broken out separately on the proposal. One lump-sum number slows the review down.
- Licensed, insured contractor. For homes built before 1978, the contractor also needs EPA lead-safe certification under the Renovation, Repair, and Painting program.3U.S. Environmental Protection Agency. Lead Renovation, Repair and Painting Program
- Tenant utility account numbers (landlords only). You need the electric and gas account numbers for at least one tenant at the property.1Mass Save. Mass Save HEAT Loan
Also know what the loan covers before you ask for it. Eligible work includes weatherization (insulation and air sealing), pre-weatherization repairs like fixing a leaking roof, ENERGY STAR replacement windows when done alongside completed weatherization, air-source heat pumps, heat pump water heaters, and residential batteries enrolled in ConnectedSolutions.2Mass Save. 0% Interest Financing You can combine measures on a single loan as long as the total stays within $25,000.1Mass Save. Mass Save HEAT Loan
Filling Out the Form Step by Step
Go to myheatloan.com.
Start by entering your Assessment ID. That pulls up the audit tied to your property and syncs the application with the specialist’s recommendations.
Enter the contractor’s legal business name and contact information exactly as they appear on the signed proposal. Small discrepancies — an abbreviated name, a slightly different phone number — can trigger a rejection or a clarification request that adds days.
In the financial section, separate costs by upgrade type. If you’re financing insulation and a heat pump on the same application, each gets its own cost field. For HVAC systems, transcribe the efficiency ratings (SEER2, HSPF2, or EER2 values) directly from the AHRI certificate. Don’t estimate or round. Enter the total loan amount you’re requesting, keeping it between the $500 minimum and $25,000 maximum.1Mass Save. Mass Save HEAT Loan
Confirm that the property owner’s name and service address match your utility billing records exactly. The program verifies you’re a Massachusetts ratepayer, and a mismatch there can stall everything. Then upload electronic copies of the signed contractor proposal and the AHRI certificate.
If You Own a Two-to-Four-Unit Property
You can apply, but the $25,000 ceiling covers the entire property, not each unit.1Mass Save. Mass Save HEAT Loan If you’re upgrading heating in a triple-decker, that cap applies to the whole building. Scope the proposal accordingly.
What Happens After You Submit
A Mass Save program administrator reviews your application against the state’s efficiency standards. Processing time depends on how complete your paperwork is and how busy the program is; roughly a week is common for clean applications.
If approved, you’ll receive a HEAT Loan Authorization Form. That is the document the lender needs. No participating bank or credit union will process the loan without it. The authorization is valid for 30 days from the date of issue.4Mass Save. Frequently Asked Questions That window is tighter than most people expect, so contact a lender right away.
If the administrator flags a problem — a missing AHRI number, costs that don’t line up with the proposal, ineligible equipment — you’ll get a clarification request. Fix it and resubmit quickly so you don’t lose your place in the queue.
Taking the Authorization to a Lender
Bring the Authorization Form to any participating lender. Mass Save keeps the current list on its HEAT Loan lender page.5Mass Save. Mass Save HEAT Loan The lender runs a standard credit check and evaluates your finances before approving the zero-percent-interest loan. Terms run up to seven years depending on the lender and the amount borrowed.1Mass Save. Mass Save HEAT Loan
Once approved, the lender issues a two-party check made payable to both you and the contractor.2Mass Save. 0% Interest Financing You endorse it together, which keeps the funds tied to the authorized upgrades. Check expiration periods vary by lender, from as little as 90 days to as long as a year, so confirm the timeline when you receive it.5Mass Save. Mass Save HEAT Loan
After the work is done, keep all project records, warranties, and receipts. The program or lender may conduct a post-installation inspection to confirm the equipment was installed correctly.
One Rule That Disqualifies People
Do not let your contractor start work until the lender has approved your loan.1Mass Save. Mass Save HEAT Loan Starting the project before the loan is finalized can disqualify you from the program entirely. This catches people off guard, especially when a contractor has an open slot and wants to begin. Wait for the lender’s approval, then schedule the work.