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Personal

Heat Loans

Mom and son adjusting the thermostat

Take advantage of 0% financing and an easy and affordable way to improve your home’s energy efficiency.

Homeowners looking to boost energy efficiency in their owner-occupied residences, could borrow up to $25,000* for up to 84 months – at no interest with a Mass Save® Heat Loan.

Qualified Upgrades

Make qualified energy-efficient improvements including:
  • Attic, wall, and basement insulation
  • Central air conditioning and heat pumps
  • Domestic hot water systems
  • Solar hot water systems
  • Energy-efficient thermostats
  • ENERGY STAR® qualified replacement window

For a full list of qualified upgrades, visit the Mass Save website.

How to Get Started

  • Call Mass Save at (866) 527-7283 to schedule your no-cost home energy assessment.
  • Fill out and submit the paperwork provided by your Mass Save representative, including a signed proposal from an authorized contractor.
  • Receive your HEAT Loan Authorization Form, required for your application.

It's easy to apply

To apply for a HEAT Loan with MutualOne Bank you will need:

You can submit your completed application and other required materials by:
    • Email Click to send a secure email
    • Fax (508) 655-9313
    • Mail Consumer Loan Department, MutualOne Bank, 49 Main Street, Natick MA 01760
    • In-Person Visit our Residential Loan Center at 49 Main Street, Natick

We currently lend in the following Counties: South Middlesex, Suffolk and Norfolk

*Some restrictions may apply. This offer is subject to credit approval and may be subject to change or cancellation. Minimum loan amount is $500. APR refers to Annual Percentage Rate. The monthly payment would be approximately $83.34 per $1,000 borrowed based on 0.00% APR for 12 months. Eligible Mass Save HEAT Loan customers will need to obtain cost estimates from licensed contractors and submit them to the Home Assessment Vendor for approval.

Loans or total loans (if more than 1 Heat Loan with MutualOne Bank) between $15,001 – $25,000 will be secured by a UCC lien on the equipment and will have closing costs of $75 (UCC Recording fee $75). Minimum credit score of 640 for Heat Loans $500-$25,000

What would you like to do?

Pay for expenses

Home Equity Loans & Lines

Refinance

Mortgages & Home Financing

make payments

Loan Payments

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