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Pennsylvania

Pennsylvania

Incentives/Policies for Renewables & Efficiency

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Keystone HELP - EnergyWorks Efficiency Loan Program   

Last DSIRE Review: 12/12/2012
Program Overview:
State: Pennsylvania
Incentive Type: Local Loan Program
Eligible Efficiency Technologies: Clothes Washers, Dishwasher, Refrigerators, Ceiling Fan, Water Heaters, Furnaces , Boilers, Heat pumps, Central Air conditioners, Heat recovery, Programmable Thermostats, Duct/Air sealing, Building Insulation, Windows, Doors, Roofs, Comprehensive Measures/Whole Building, Cool Roof
Applicable Sectors: Residential
Amount:Loans: $1,000 - $15,000
Home assessment: up to $300
Terms:All loans are unsecured; interest vary rates from 0.99% - 5.99%; terms of 3, 5, or 10 years available
Funding Source:American Recovery and Reinvestment Act (ARRA)
Program Budget:$25 million (Energy Works program total, including non-residential program)
Start Date:11/09/2010
Web Site: http://www.keystonehelp.com/info/Energyworks.php
Summary:

The Keystone HELP Program is designed to help homeowners improve energy efficiency with special financing for high-efficiency heating, air conditioning, insulation, windows, doors, and “whole house” improvements. Principally supported by the Pennsylvania Department of Environmental Protection, the Pennsylvania Treasury Department and the Pennsylvania Housing Finance Agency, the Keystone HELP program is administered by AFC First Financial Corporation, a Pennsylvania energy efficiency lender. The EnergyWorks Efficiency Loan Program is a special offshoot of Keystone HELP which offers special, lower interest rates to qualifying homeowners in Bucks, Chester, Delaware, Montgomery, and Philadelphia counties.

Pennsylvania homeowners who own and make qualifying improvements to their one- or two-unit primary residence located within the eligible counties, and whose combined annual household income does not exceed $250,000 are eligible to apply for loans under this program. All installed equipment and material must be new, and work must be performed by a qualifying contractor. A list of qualifying contractors is available on the program web site. The following types of loans are available for energy efficiency improvements:

  • Energy Improvements with Air Sealing (CAPP) Loans (unsecured) are for heating, cooling, insulation and other Energy Star qualified improvements that are part of a comprehensive project of blower door directed air sealing and other energy saving measures recommended by a BPI-certified contractor. The loan range is $1,000 - $15,000 with a fixed interest rate of 0.99% on a 3, 5, or 10 year loan term. For home assessments there is also a promotional rate of $150 (a $250 savings) and a further $50 rebate is available if $1,000 or more in energy improvements are made.
  • Energy Star Loans (unsecured) are for the installation of qualifying Energy Star improvements or other improvements that meet program criteria. The loan range is $1,000 - $15,000. The rate is 5.99% (fixed). The term options are 3, 5 or 10 years. Note: Cooling and windows are not eligible for the EnergyWorks 5.99% rate, but are eligible for the 8.99% rate under the statewide Keystone HELP program.
  • Advanced Performance Energy Star Loans (unsecured) are for the installation of qualifying improvements that exceed Energy Star standards. The loan range is $1,000 - $15,000. The rate is 4.99% (fixed). The term options are 3, 5 or 10 years. Note: Cooling is not eligible for the EnergyWorks 4.99% rate, but is eligible for the 7.99% rate under the statewide Keystone HELP program.

Prospective participants should note that each loan offering has distinct list of eligible energy efficiency improvement measures and equipment standards. All loans are unsecured and do not carry any penalties for pre-payment. Residents who qualify for the loans described above also qualify of other loan offerings through the general, Statewide Keystone HELP Energy Efficiency Loan Program. Please see the program web site listed at the top of this page for additional program details.


 
Contact:
  Tessa Shin
AFC First Financial Corporation
PO Box 3558
1005 Brookside Rd - Suite 200
Allentown, PA 18106
Phone: (888) 232-3477
Fax: (610) 433-7488
E-Mail: tshin@afcfirst.com
Web Site: http://www.KeystoneHELP.com
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Disclaimer: The information presented on the DSIRE web site provides an unofficial overview of financial incentives and other policies. It does not constitute professional tax advice or other professional financial guidance, and it should not be used as the only source of information when making purchasing decisions, investment decisions or tax decisions, or when executing other binding agreements. Please refer to the individual contact provided below each summary to verify that a specific financial incentive or other policy applies to your project.

While the DSIRE staff strives to provide the best information possible, the DSIRE staff, the N.C. Solar Center, N.C. State University and the Interstate Renewable Energy Council, Inc. make no representations or warranties, either express or implied, concerning the accuracy, completeness, reliability or suitability of the information. The DSIRE staff, the N.C. Solar Center, N.C. State University and the Interstate Renewable Energy Council, Inc. disclaim all liability of any kind arising out of your use or misuse of the information contained or referenced on DSIRE Web pages.

Copyright 2013 - 2014 North Carolina State University, under NREL Subcontract No. XEU-0-99515-01. Permission granted only for personal or educational use, or for use by or on behalf of the U.S. government. North Carolina State University prohibits the unauthorized display, reproduction, sale, and/or distribution of all or portions of the content of the Database of State Incentives for Renewables and Efficiency (DSIRE) without prior, written consent.