Maryland Home Performance with ENERGY STAR®

Loan Features | Current Interest Rates | Eligible Measures | How to Apply

Maryland Home Performance with ENERGY STAR® offers residents of Maryland the opportunity to install energy efficient improvements to their homes. All participating contractors are certified and accredited by the Building Performance Institute (BPI). A market rate loan program is available through Energy Finance Solutions to help Maryland homeowners install the recommended eligible measures.

Loan Features

Key features of an EFS loan:

  • Residential owner-occupied, single-family and duplex homes
  • Unsecured loan (homeowner provides no collateral)
  • Borrowers can finance $2,500 - $20,000
  • Fixed rate loan terms available: 3, 5, 7 or 10 years, depending upon amount financed
  • No fees, points, or closing costs
  • No prepayment penalty
  • Can finance 100% of installation costs
  • Quick approval process

Only approved Building Performance Institute (BPI) certified contractors who are participating in the Maryland Home Performance Program are eligible to perform the installation under this program. To get in touch with a participating contractor, please access the contractor search feature on our website or contact the Program Administrator’s call center at 1.800.525.6214.

Current Interest Rates

Interest rates start at 7.99% for eligible borrowers. Use our loan calculator to view your monthly payment amount and show your interest cost savings.

Eligible Measures

The Home Performance with ENERGY STAR Loan is designed to promote the installation of high efficiency measures, making your home more energy efficient. Therefore, all measures to be installed must meet minimum efficiency requirements to be eligible for financing. Projects must qualify and be approved by ICF or be eligible for/through the Maryland Home Performance Program. For a list of all measures eligible for financing please contact EFS or a participating contractor.

How to Apply

Please note that any homeowner with a credit history involving a foreclosure, bankruptcy, or repossession in the past 7 years will be ineligible for this loan.

The credit application is not a contract for a loan nor does it lock you into any commitment with a contractor. The credit application will allow us to proceed with your request for a loan to finance your improvement(s).

In order for Energy Finance Solutions to fully process your loan, you will need to email, mail or fax the following information in addition to the signed and dated credit application.

  • Documentation of current income, such as a recent pay stub reflecting year-to-date income. If you are self-employed, please submit a copy of the previous year's Federal Tax Return, including Schedule C.
  • Copy of recent utility bills, showing the service address, and gas and electric usage.

Please note that eligible borrowers may be subject to a loan origination fee at the time of loan closing.

A) Print the application

Download the credit application. Please note the credit application is not a contract for a loan nor does it lock you into any commitment with a contractor. The credit application will allow us to proceed with your request for a loan to finance your improvement(s).

C) Request an application packet by mail

You may request an application packet by mail by calling 1.800.525.6214.

In order to fully process your loan, you will need to mail or fax the following information in addition to the Credit Application: 

  • Documentation of current income, such as a recent pay stub reflecting year-to-date income. If you are self-employed, please submit a copy of the previous year's Federal Tax Return, including Schedule C.
  • Copy of recent utility bills, showing the service address, and gas and electric usage. 

Submit your application(s) by mail or fax to:

Energy Finance Solutions
431 Charmany Drive
Madison, WI 53719
Fax: 608.249.5788