Micro Loans

Micro-Loans – Fort Collins – Boulder County – FHA

Fort Collins ZILCH Loan Program

Projects can be combined. The maximum loan amount is $2,300.

Loan amounts can include:

  • all or a portion of the project cost

  • the $25 loan-processing fee

  • the cost of a building permit, radon test or Home Efficiency Audit, if applicable

The repayment schedule varies by loan amount:

  • $500-$1,000: 24 months

  • $1,500: 36 months

  • $2,000: 48 months

  • $2,300: 60 months


Boulder County – EnergySmart Micro-loans

This program is available to customers of our residential EnergySmart service. They are available to building owners who are “natural persons” (i.e., not for rental properties owned by an LLC or other business entity). Loans are available for project costs of $500-$3000.

Application fee (charged if approved): $20

Interest rate: 2.5%

Payback: by automatic withdrawal,

$500-$1000 = 1 year,

$1001-$2000 = 2 years,

$2001-$3000 = 3 years

Loans will only be available for certain eligible measures. That list is still being finalized, but will include most air sealing, insulation, space heating/cooling and water heating improvements.

New FHA PowerSaver Loans;

New Pilot Program Offers Up to $7,500 for Energy Efficiency Retrofits and Upgrades without the need for Second Mortgage.

A new pilot program that will offer credit-worthy borrowers low-cost loans to make energy-saving improvements to their homes. Backed by the Federal Housing Administration (FHA), these new FHA PowerSaver loans will offer homeowners up to $25,000 to make energy-efficient improvements of their choice, including the installation of insulation, duct sealing, doors and windows, HVAC systems, water heaters, solar panels, and geothermal systems. These are insured through the Title I Loan Program.

What is a Title I loan?

Given by a lender and insured by the FHA, a Title I loan is used to make non-luxury renovations and repairs to a home. It offers a manageable interest rate and repayment schedule. Loans are limited to between $5,000 and $20,000. If the loan amount is under $7,500, no lien is required against your home. Ask your lender for details.



Read this Press Release to Learn More:


Energy Efficient FHA Loans

Incorporate Your Energy Efficiency Improvements into an FHA Loan when you Buy a Home.

The Energy Efficient Mortgage Loan program helps current or potential homeowners significantly lower their monthly utility bills by enabling them to incorporate the cost of adding energy efficient improvements into their new home or existing housing. This FHA program eliminates the need for homeowners who are interested in making their home more energy efficient to take out an additional mortgage loan to cover the cost of the improvements they intend to make to their property. The program is available as part of a FHA insured home purchase or by refinancing your current mortgage loan.


The Energy Efficient Mortgage Loan program is available to anyone who meets the income requirements for FHA's Section 203(b) and is able to make the monthly mortgage payments. The cost involved in adding energy efficient features to the home and an estimate of the energy savings must be determined by a home energy rating system or a qualified energy consultant. Up to $200 of the cost of the energy inspection report may be included in the mortgage.


Energy Efficient Mortgages can be used to make energy-efficient improvements in one- or two-unit existing and new homes. The improvements can be included in a borrower's mortgage only if their total cost is less than the total dollar value of the energy that will be saved during their useful life. The cost of the improvements that may be eligible for financing as part of the mortgage is either 5 percent of the property's value (not to exceed $8,000) or $4,000, whichever is greater. View the current FHA loan limits.

Learn more at: http://www.fha.com/energy_efficient.cfm


Energy Audits I Air Seal/Insulate I New Windows I Whole-House Fans I Hot-Water Heaters I Heating & Cooling I Basements
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