Mass Save HEAT® Loan

At Bay State Savings, we recognize that our customers love to save money while maintaining their homes in the best condition possible. With a Mass Save HEAT Loan, you could qualify for a loan of up to $25,000 toward qualified energy efficient home improvements with terms of up to 7 years.

To get started, call Mass Save at 866-527-7283 to schedule a no-cost Home Energy Assessment. A Mass Save representative will review the results of the assessment, and let you know which improvements would be eligible for HEAT Loan financing.

  • 0% interest financing for Mass Save approved energy efficient upgrades to your home
  • No mortgage required.
  • Eligible upgrades include:
    • Heating system replacement
    • Water heaters (including solar options)
    • Central air condition and heat pumps
    • Insulation and ENERGY STAR® qualified replacement windows
    • Energy efficient thermostats
  • Owner-occupied primary residences located in Worcester and Middlesex counties only
  • Subject to credit approval. Some restrictions apply and offers are subject to change or cancellation. Visit for full details.

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