Home Energy Loan Program (HELP)

February 16, 2010


This incentive is no longer accepting loan applications after December 31, 2009. No new loans will be issued under this program. This summary is for reference only. Maine's Home Energy Loan Program (HELP), initiated in September 2006, provides low-interest loans to residents for energy improvements. Under HELP, the Maine State Housing Authority provides loans ranging from $2,800 to $30,000 at a fixed interest rate of 3.95% to homeowners. (Note that rates and terms are subject to change.) HELP loans may be used to finance:

  • Home energy audits.
  • Insulation, air sealing and weather stripping.
  • Heating system repair or replacement. (Eligible heating system improvements generally include furnace cleaning and tune-ups, replacement burners and/or fuel storage tanks, replacement systems and supplemental heating systems that meet certain efficiency standards, efficient wood stoves and wood pellet systems, geothermal heat pumps, and solar water-heating systems.)
  • Energy Star-rated windows and appliances.
  • Storm doors and storm windows.
  • Ventilation and moisture controls.
  • Roof repairs if attic is insulated to a minimum R-38 value.
HELP loans are generally available to residents (1) who own and occupy a one- to four-unit home, (2) who have total monthly debt payments of 45% or less of total monthly income and (3) whose total home loans, including the energy loan, do not exceed 106% of the home’s value (or 100% for mobile homes). While household income limits apply, most Maine homeowners are eligible for a HELP loan.

Program Overview

Implementing Sector: State
Category: Financial Incentive
State: Maine
Incentive Type: Loan Program
Web Site: http://www.mainehousing.org/PROGRAMSHelp.aspx?ProgramID=32
Administrator: Maine State Housing Authority
Start Date:
Eligible Renewable/Other Technologies:
  • Solar Water Heat
  • Biomass
  • Geothermal Heat Pumps
  • Dehumidifiers
  • Water Heaters
  • Furnaces
  • Boilers
  • Caulking/Weather-stripping
  • Duct/Air sealing
  • Building Insulation
  • Windows
  • Doors
  • Roofs
  • Other EE


Name: Joanna Veilleux
Organization: Maine State Housing Authority
Address: 353 Water Street
Augusta ME 04330-4633
Phone: (207) 624-5712
Email: jveilleux@mainehousing.org
Name: Tae Chong
Organization: Maine State Housing Authority
Address: 353 Water Street
Augusta ME 04330-4633
Phone: (207) 624-5704
Email: tchong@mainehousing.org

This information is sourced from DSIRE; the most comprehensive source of information on incentives and policies that support renewables and energy efficiency in the United States. Established in 1995, DSIRE is operated by the N.C. Clean Energy Technology Center at N.C. State University.