1) You’ve got a potential project and the family really needs help 2) You don’t want to “walk away” because sometimes you just want to do meaningful work 3) Pre-qualification shows project will cost over the established guideline ($30K) 4) Doing an over budget project restricts your ability to help two (2) or more families 5) Project is over 90% LTV

1) Energy Conservation Loan Program (ECL) 2) Connecticut Efficiency Healthy Homes Initiative (CTEHHI/LAMPP) or CT Energy Efficiency Fund 3) Residential Energy Efficiency Financing Program/HES 4) Cozy Home Loan (CHL) 5) Encourage homeowner participation/buy in (makes them eligible for energy rebates…where applicable)

and the Multifamily Energy Conservation Loan Program (MEL) provide financing at below market rates to single-family and multi-family residential property owners for the purchase and installation of cost- saving energy conservation improvements. Applicants must be residents of the State of Connecticut. Energy Conservation Loan Program (ECL) administered by CHIF

Automatic Set-Back thermostats Caulking and Weather-stripping Insulation Replacement Central Air Conditioning Systems Replacement Heating Systems Replacement Heat Pumps Replacement Hot Water Heaters Replacement Roofs Replacement Windows and Doors Siding Solar Systems and Passive Solar Additions The funds allows qualifying homeowners to address some of the following items within their homes:

DOH funded program Income restricted allowing up to 110% AMI Loans may not exceed $25,000 for Single family (1- 4 units), or $100,000 for a multi-family property (capping at $3,500/unit) Loans/grants are good for a period of 10 years. Contact CHIF at for Details

Connecticut Efficiency Healthy Homes Initiative (CTEHHI)/CT Energy Efficiency Fund Lead Abatement Mediation Prevention Program (LAMPP)

Connecticut Children’s Healthy Homes Project improves children’s health by making their homes healthier, safer places to live and play since This program is committed to protecting children from lead poisoning and making homes in Connecticut green, safe and healthy. LAMPP receives funding through US Department of Housing and Urban Development and the State of Connecticut Department of Housing.

LAMPP services are available in 15 towns and cities across CT: Bridgeport, Danbury, East Haven, Enfield, Hartford, Manchester, Meriden, New Britain, New Haven, Norwalk, Stamford, Torrington and Winchester, Waterbury, West Haven. Loans range from $1,000 to $25,000 for LMI families with children under the age of 6.

LAMPP provides qualified homeowners and/or tenants with: Inspection plans for lead and home safety hazard removal Financial assistance to remediate hazards Relocation assistance during construction Referrals to low-or no-cost home weatherization programs designed to increase energy efficiency Lead hazard and healthy homes education

Or call (860)

Home Energy Solutions (HES)

HES is another statewide energy related program designed to make homes more weather tight with improved insulation, windows, upgrading to ENERGY STAR® heating and cooling systems, improving the efficiency of hot water equipment - all of these improvements and more will assist homeowners to reduce energy consumption ultimately reducing their carbon footprint and lowering utility bills.

Who is Eligible? CL&P and UI Customers Applicants must own a single or two- family home (includes condos and vacation homes); 3-4 family homes are eligible for this financing.

Loans may be for $1,000 to $25,000 and funding will be used for conducting qualified improvements/equipment replacements. For more information contact CHIF at or call (860)

The Cozy Home Loan is a 10-year loan with a 2.99% APR interest rate. It can be paid off at any time with no penalties. If you live in a single-family home you can borrow up to $25,000. If you live in a multifamily home (2-4 units) you can borrow up to $50,000 for home improvements. The minimum loan amount is $3,000. Cozy Home Loan

Own and occupy a (1 to 4) unit home Earn 80% or less than your Area Median Income (AMI). Be a customer of one of the following utilities: Electric Connecticut Light and Power, CT Municipal Electric Energy Cooperative, United Illuminating, Southern Connecticut Gas, Connecticut Natural Gas, or Yankee Gas. Who’s Eligible?

For more information contact Housing Development Fund (HDF) Call (203)