0% HEAT Loan Financing in Melrose

Here is the HEAT Loan in one line: 0% interest, up to $25,000, issued by banks and credit unions that signed onto Mass Save. Heat pumps qualify. So do heat pump water heaters and weatherization. Approval belongs to the lender, so we never quote terms, payments or odds. What we handle is the file. Five items make it up. Your utility account with Mass Save. A proposal from us, in writing. The authorization paperwork tied to it. A yes from your lender. And an inspection once the work is finished. For whole-home jobs, add the Home Energy Assessment before any of that. Each item has its place in line. Proposal, then authorization. Authorization, then application. Approval, then install. Inspection last. We hold that line. The proposal is written so the lender sees exactly what is being financed. The authorization form gets completed with you. The inspection is penciled in before the crew arrives. And the rebate estimate sits beside the loan amount, so the combined picture is clear before you commit. Calm, sequential, no surprises. A word on timing. Lenders work at their own pace, and nobody can promise how long a review will take. What we control is our side: the proposal goes out promptly after the measuring visit, the authorization form is ready the moment you choose to proceed, and the close-out packet is assembled the week the inspection clears. Fewer gaps on our end means fewer stalls overall.