BeSMART Energy Efficiency Loan for Homeowners

The BeSMART Home Loan Program provides financing to improve the energy efficiency and comfort of your home. By replacing and upgrading appliances, heating, ventilation and cooling systems, and whole house envelope improvements – homeowners can save on the utility bill.

GENERAL QUALIFICATIONS: Who is eligible? Maryland homeowners who meet the following eligibility standards:

  • Maryland home owner
  • Credit score of 640 or greater
  • Debt-to-income ratio that does not exceed 50%

The BeSMART loan is an unsecured loan based on verification of credit and ability to pay. Up to 25% of the energy measure costs can go towards health and safety improvements if related to the energy project.

Here is a link to more information about the loan process, qualifications and application.