Homeowners in Northeast Indiana, including low-to-moderate-income households and credit-challenged individuals, can access Smart-E loan offers to finance more than 40 home energy upgrades, from insulation and energy-efficient windows to heat pumps and solar panels.
Indiana's Smart-E Loan Program - Northeast Indiana
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What’s a Smart-E loan?
| Loan Terms* | 5 years | 7 years | 10 years | 12-15-20 years |
|---|---|---|---|---|
| Maximum Rate** (APR) | 6.49% | 6.99% | 6.99% | 7.49% |
No money down, low-interest financing, and easy to apply
Loan Size & Qualifications*
- Loans of $500 – $50,000
- 1 – 4 unit, owner-occupied residential properties
- Flexible credit scores accepted
* Lender participation may vary. Offered rates, terms, programs, and underwriting policies are subject to change without notice. Please note that the interest rates shown here are available to borrowers with a satisfactory credit history. Other restrictions, terms, and conditions may apply.
**All rates herein are expressed as an annual percentage rate (APR).
What home improvements are eligible?
Home performance and efficiency
- Insulation
- Windows
- Air sealing
- Smart home appliances
- High-efficiency appliances
- Low-flow toilets, faucets, and shower heads
- Lighting
- Remediation (lead, mold, mildew, radon, asbestos)
Heating and cooling
- HVAC
- Smart thermostats
- Water heaters
Health and safety
- Remediation (lead, mold, mildew, radon, asbestos)
- Air filtration
Renewables
- Solar photovoltaic (solar PV)
- Wind turbine
- Whole home battery storage
- Whole home generator
- Electric vehicle (EV) charging stations
- Roofing (asphalt, metal, or membrane)
Here's how it will work:
1. Find a Contractor
Choose a participating contractor and get an estimate for your home energy upgrade.
2. Apply for a Smart-E Loan
Apply online with a participating lender. You’ll need the amount you need to finance.
Urban Beginnings Choice, Phone: (260) 456-1802 Fax: (260) 456-8880
3. Notify your Smart-E Contractor
Once your loan is approved, let your contractor know so they can get started on your project!
