Skip to Main Content Skip to Sitemap


After spending months in your home or apartment, are you eager to tackle home improvement projects to enhance the comfort of your space? You’re in good company. According to a recent survey, the COVID-19 pandemic inspired 79 percent of homeowners to consider making renovations to help them enjoy their homes more, with 24 percent wanting to improve lighting. Investing in energy efficiency upgrades is a great way to enhance the environment of your home, reduce your energy costs and help the environment. From financing options to rebates and discounts, Eversource has a variety of tools and resources to help make home improvement projects affordable for everyone.

Loans and Financing Options

Energy Efficient Mortgages (EEMs) are a federally recognized financing solution that can be applied to most mortgages and offer exclusive benefits to homeowners who make energy efficiency improvements. A key feature of this mortgage is that borrowers who plan to make energy efficiency upgrades can receive a larger loan amount without needing to requalify or provide another down payment. Another perk of financing through EEMs is that unlike paying for the energy efficiency upgrades with a credit card, bank loan, or cash, borrowers can deduct the mortgage payment interest from their taxes.

Homeowners can also fund a project through an FHA Title 1 Home Improvement Loan, which can be combined with Rehabilitation Mortgage Insurance, allowing homeowners to finance up to $35,000 for repairs or upgrades to their home, including energy-saving improvements. 

In addition to federally recognized financing opportunities, homeowners have a variety of options available at the state level to help achieve a cost-effective, energy-efficient home.  

In Massachusetts, eligible customers have access to the Mass Save® HEAT loan, sponsored in part by Eversource, which offers interest-free financing of up to $25,000 for energy efficiency home upgrades. Qualifying improvements include replacing water heating equipment, heating, central A/C, heat pumps, insulation and more.

To find out if your home improvement plans qualify for these federal and state financing options, you’ll need to participate in a Home Energy Assessment. After assessing your home’s energy use, a certified contractor will provide you with a report that lists recommended energy-saving improvements to tighten up your home and lower your energy costs.

Eversource customers in Massachusetts can take advantage of a no-cost Home Energy Assessment or a virtual assessment to receive a customized report outlining steps you can take to optimize your home’s energy use, and the incentives available to help make those upgrades. Depending on the project and your home’s needs, the program also offers no-cost energy-saving products such as LED light bulbs, thermostats, power strips, and more. 

Rebates & Discounts 
Once you’ve considered your financing options and received a home energy assessment, you should take a look at what rebates and product-specific discounts you qualify for. These offers can help with the upfront costs of incorporating energy-efficient equipment into your home. Visit the Mass Save website to take advantage of the rebates and incentives that are available for Eversource customers.

Eversource offers homeowners a variety of rebates and incentives ranging from $30 to $2,750 for energy efficient products, including heating and cooling systems, weatherization, lighting, appliances, and more. These incentives vary by project but typically include improvements to insulation, heating, ventilation, air conditioning, lighting, and air and duct sealing. In addition to these offers, Eversource is providing a limited-time $125 rebate when you schedule an appointment to have your old refrigerator or freezer picked up and recycled. Finally, a no-cost Home Energy Assessment includes access to 0% financing and, in some cases, offers for money-saving rebates, incentives and energy efficient products. 

The path to a greener, more cost-effective and comfortable lifestyle can start at home with improvements made more affordable through financing and incentives. To get started, check out Eversource’s free online planning tool and create a home energy savings plan of your own. You can learn about other ways to reduce your energy costs and impact on the environment by visiting the Save Money and Energy section of

BillBill Stack is Eversource's energy efficiency spokesman. If you're a member of the media and would like to arrange an interview with Bill, please contact a member of the Media Relations team.