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 only Subject to credit approval. Some restrictions apply and offers are subject to change or cancellation. Visit MassSave.com/HEATLoan for full details. Contact Us