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0% Interest Financing for Maryland Homeowners

Don’t let upfront costs stop you from saving money. Upgrade your home today with the Clean Energy Advantage (CEA) Loan.

Schedule An Energy Audit

The "No-Brainer" Deal

Most homeowners know they need insulation or a new heat pump, but they don’t want to drain their savings account. We partner with the Clean Energy Advantage (CEA) Loan Program to offer you flexible financing that bridges the gap.

  • 0% Interest for 24 Months: You pay no interest for the first two years.

  • Borrow Up to $50,000: Cover your entire project, including Attic Insulation, Air Sealing, Crawl Space Insulation, Heat Pump Waters, Windows and qualifying HVAC systems.

  • Low Monthly Payments: Terms available for 3, 5, 7, or 10 years.

  • No Hidden Fees: No dealer fees and credit scores as low as 580 may qualify.

How It Works

Step 1: The Audit & Proposal First, we perform a required BPI Energy Audit to identify exactly what your home needs. We provide a detailed proposal showing the work and the Rebates you qualify for.

Step 2: We Handle the Application Once you approve the proposal, we submit the CEA Loan application on your behalf. You don’t have to struggle through complex paperwork. The application links directly to your BGE or PEPCO rebate program.

Step 3: Underwriting You will complete an underwriting process with the Clean Energy Credit Union.

Step 4: Installation & Payment We complete the work. Once you sign off that you are happy, the funds are disbursed directly to us. You start saving on energy bills immediately, while paying for the project over time.

Frequently Asked Questions

What happens after 24 months? For the first 24 months, the interest is 0%. After that, the interest rate adjusts to a reduced market rate (typically significantly lower than a credit card or personal loan). You can also pay off the loan early with no prepayment penalty.

What projects qualify?
Almost any energy-efficiency upgrade we offer, including:

  • Attic Insulation & Crawl Space Encapsulation

  • High-Efficiency Heat Pumps

  • Heat Pump Water Heaters

  • Air Sealing

Do I need excellent credit?
Not necessarily. The program accepts credit scores as low as 580 (subject to underwriting approval).