Financing Overview:

We understand money can be the one thing that stands between your dream home and getting the next big project completed. We want to help support you in any way we can to make our products and services affordable. Maryland and Delaware both offer fantastic financing and rebate options for homeowners interested in upgrading their homes to be more energy efficient.

It’s not just good for your home, but for our communities as well.

We will work with you throughout the process to make the paperwork easy and worry-free.

As home performance experts, we conduct our evaluations, audits and energy check-ups with your financial goals in mind. When we make recommendations, we make sure they align with your budget goals and timeline. These evaluations are imperative to identifying the most important problems in your home and the upgrades we recommend are supported by financing and rebate incentive programs from local utilities.

Call us at 410.860.8410 or contact us here for more information about available incentives and to schedule your Comprehensive Home Assessment for ONLY $100!

Financing for Maryland Homeowners:

Be Smart Home Energy Loan Program

The Be SMART Home Loan Program offers innovative financing to improve home energy efficiency through replacement and upgrading of appliances, heating, cooling and ventilation systems and whole house envelope improvements across the state. These changes are intended to save the homeowner money, increase the safety and comfort of the home, and add value to the home. Home owners may choose their weatherization and energy efficiency professionals from a list of eligible providers whose qualifications have been reviewed by The Maryland Department of Housing and Community Development.


Participants in the Be SMART Home program must be Maryland homeowners who want to make energy efficient improvements to their primary residence and who meet the following eligibility standards:

Verification of income
Credit score of 640 or greater
Debt-to-income ratio of up to 50%


Up to $30,000 in financing is available for eligible homeowners.


Unsecured loans provided through the Be SMART Home Complete program may be used for weatherization and whole home envelope improvements, as well as for replacement and upgrading of ENERGY STAR rated appliances and home heating or cooling systems. Loans are offered at an interest rate of 4.99%. Work must be done by a contractor from the Be SMART Home Complete eligible contractors list. Typical energy savings are in the range of 15–25%, depending on each household’s energy usage profile. Based on the result of a prescribed home energy audit, the following measures may be recommended to improve the efficiency, safety and comfort of a home:

  • Insulation in the attic, floors, and walls
  • Hot water system improvements
  • Lighting retrofit
  • Furnace cleaning/tuning and burner repair/replacement
  • Renewable energy systems including solar and geothermal
  • Health and safety items that improve energy efficiency

Qualified ENERGY STAR improvements include, but are not limited to:

  • Air Source Heat Pumps
  • Central AC Systems
  • Boilers (All Fuels)
  • Water Heaters
  • Refrigerators
  • Ceiling Fans
  • Programmable Thermostats
  • Ventilating Fans


Financing for Delaware Homeowners:

Energize Delaware Home Energy Loan Program

Qualifying Delaware homeowners who are participating in the Home Performance Rebate Program can now finance their energy-saving gome improvements with a fast and easy monthly payment option through Energize Delaware. These low-cost loans can help Delawareans make the right energy improvements while minimizing out-of-pocket costs.

  • Special 5.99% True Fixed Rate* unsecured financing
  • Loans from $1,000 to $15,000
  • 100% financing available
  • Up to 10 years to repay – no prepayment penalty
  • Low fixed rate, fixed monthly payments
  • No home equity required, new homeowners welcome. No Lien filed on your home.
  • No Fees to consumer or contractor
  • Work must be done by an Energize Delaware/AFC First approved contractor

To be eligible, you must be:

The registered property owner currently living in a separately metered, detached or attached one to four unit residenece where the home energy audit is completed and the product/equipment is being installed.

Attached units are duplexes, condominiums and townhouses. New construction and commercial properties are not eligible.
Good credit and the ability to repay are required; all income levels are eligible.

You must also receive a rebate reservation confirmation number to ensure you are eligible for a rebate

Who Can Perform the Work?

Only AFC First Energize Delaware Approved Contractors may perform the work. The FLC GreenTeam is one!

Apply for a Home Energy Loan

Step 1: Get an Energy Audit
Contact the FLC GreenTeam to schedule an audit. Our GreenTeam will prepare a list of recommened improvements specific to your home’s needs. You also will receive a cost estimate to install those improvements and information on available rebates. We will also submit a rebate reservation on your behalf to reserve your funds and reduce your out-of-pocket cost.

Step 2: Apply for your Loan
For fast loan approval, apply online at You may also apply by phone at 888-232-3477. You can have your home energy audit completed prior to submitting your loan application or you can choose to have your loan pre-approved before the audit. FLC will send AFC First copies of our estimates/proposal identifying final price and qualifying improvments. You sign a simple one page loan note that AFC First provides you.

Step 3: AFC pays us and you start saving!
Once your project is complete, AFC pays the GreenTeam upon receipt of your signed Completion Certificate, submission of rebate completion forms to Energize Delaware, and a verbal confirmation from you, the customer, that the work has been completed to your satisfaction.

What Improvements Qualify?

Home energy improvements recommended and approved for your Energize Delaware project may include:

  • Air Sealing and Duct Sealing – minimum 20% improvment
  • Attic Insulation – Add R-20 minimum
  • Knee Wall, Crawlspace Wall and Floor Insulation
  • Wall Insulation – minimum 50% of the walls
  • Air Source Heat Pump – minimum 14.5 SEER, 12 EER, 8.2 HSPF
  • Central Air – minimum 14.5 SEER, 12 EER
  • Furnace – minimum 90 AFUE
  • Heat Pump Water Heater
  • Boiler – minimum 85 AFUE
  • Tankless Water Heater

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