Home Energy Financing

*NEC has merged with the Center for Energy and Environment and this page is no longer being updated. Bookmark our new home for lending programs at mnlendingcenter.org. Please note that later this summer this webpage will no longer be available.*

Energy Loans | Home Project Financing | Energy Efficiency Loan 

Accomplish all of your home energy projects with NEC financing. Several loan options are available. Click the loan name to see details.

Energy Fix-Up Loan - Unsecured / Secured - Available to all Minnesota homeowners
No second mortgage, no home equity required and no income limits. A great choice for energy-only projects with financing up to $15,000 at 4.99%.

Fix-Up Loan - Available to all Minnesota homeowners
Secured as a mortgage on your property. Borrow up to $50,000 at 5.99% to cover almost any home improvement. Income limit $99,500.

Fix-Up Loan Unsecured - Available to all Minnesota homeowners
No second mortgage and no home equity required. Borrow up to $15,000 at 6.49% for energy improvements and home remodeling. Income limit $99,500.

Suburban Ramsey County Energy Conservation Deferred Loan - Available to Ramsey County homeowners, excluding St. Paul. For homeowners in select Ramsey County cities. Forgiven when when you own your home for ten years.

Energy Smart Homes - Available to Saint Paul homeowners
A zero-interest, 15-year deferred loan for Saint Paul homeowners and landlords. No income limits and no equity requirements.

As a homeowner, you've got an array of options for home improvement financing. Find out what sets our nonprofit loan program apart.

Read about one Saint Paul homeowner's experience with our unique loan program.