CEA (Clean Energy Loan Program)
 

The Clean Energy Advantage (CEA) Loan Pilot Program offers Maryland residents a convenient and affordable financing option for residential energy improvements.

If you are interested in financing with the CEA Loan program, Atlas can complete the initial application on your behalf!

Reduce your energy bill and improve the comfort of your home with this low-cost loan financing option, offering 0% Interest financing for 24 Months, and reduced interest rates.The loans are designed to be combined with existing utility rebates. For more information about the program talk to your atlas home energy auditor or read more about the CEA program at:

Only available to homeowners who have completed a home performance with energy star audit. Only available to BGE Utility Customers.

 

NEIF (National Energy Improvement Fund)
 

The National Energy Improvement Fund NEIF provides lending and other services for improvements which make homes resilient, efficient, healthy and comfortable. 

100% financing available, instant credit decision, easy paperless process and responsive communication with you and your contractor. Guaranteed fixed rate and payment for life of loan with no lien on your home and no hidden costs. You may pay off at any time or pay ahead without penalty

 

 

An energy audit is not necessary to finance with NEIF. 

To start the pre-approval process( no effect on your credit score), click the link below. 

BeSMART
 

The BeSMART Home Loan Program provides financing to improve the energy efficiency and comfort of your home. The program is available to all Maryland homeowners with a credit score of 640 or greater. 

To Start the BeSMART Loan Process:

  1. Submit the online BeSMART Loan Application or the paper BeSMART Loan Application. BeSMART Loan Application Link
  2. Email all required income documentation to get pre-approved on a financial basis.
  3. Submit project specifications - including scope of work, contractor estimates, and ENERGY STAR® equipment specifications. ( included in our signed proposal)
  4. Complete loan documents - Once the specific project is approved, the loan documents provided by DHCD must be signed and notarized.
  5. Start your project!

Loan Terms

  • Up to $30,000 in financing is available for energy efficiency measures for a term up to 10 years.
  • Minimum loan amount is $5,000.
  • There are no pre-payment penalties when paying off the BeSMART Loan early. You CAN avoid interest by paying off the loan early

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