Central and Western Massachusetts’ DOER Z-Loan Program

Upgrade your home’s heating to a more energy-efficient option with the DOER Z-Loan Program.

You Can Start the Application Process Online Now

At North Brookfield Savings Bank, we believe that energy-efficient upgrades matter, and we want to be part of helping you make them possible. If financing has been holding you back from making upgrades to your home let us help. While all DOER Z-Loans are dependent upon approval and specific requirements, our team will help you understand the process. We even make it easier than ever to start the application process by making online applications available.

Apply Online | Contact A Lender                   

                                                                                                                 This product is offered in partnership with the DOER Z-Loan Program. Customers must meet program requirements to participate. Eligibility for the Z-Loan Program is based on completing a Home Energy Assessment and pre-approval. Some restrictions apply and offers are subject to change or cancellation. Visit DOER Z-Loan for full details. Financing is subject to credit approval. Additional Terms and Conditions apply. Recording fees will be required for loan amounts that exceed $15,000 at borrower’s expense. Maximum loan amount is $25,000.

Requirements of the DOER Z-Loan

Homeowners should know the terms, conditions, and eligibility requirements before applying for the Z-Loan. The following is not an exhaustive list of such terms and conditions. However, some of the criteria for eligibility in the Z-Loan Program include:

  • Available to qualified customers in the DOER Z-Loan Program
  • The person filing for the loan must be the homeowner
  • Financing is only available for qualifying upgrades
  • You must have a current electrical account
  • Financing requires loan approval from a participating lender
  • Recording fees required on loans that exceed $15,000
  • The maximum loan amount is $25,000

What Type of Upgrades Will the Loan Cover?

The Z-Loan initiative is designed to make it easier to upgrade the parts of your home that impact your energy costs and consumption. These home improvements are a great way to protect the environment and reduce energy costs. The Z-Loan can provide financing to qualifying homeowners for many energy-efficient upgrades, such as:
  • Insulation
  • Heat pumps
  • Energy-efficient water heaters
  • Work needed before those upgrades can begin, such as electrical repairs or the removal of mold or vermiculite
Get Started

Complete a no-cost Home Energy Assessment

Certain measures require completing Home Energy Assessment (HEA) through Mass Save to understand your home’s existing condition and identify any requirements that need to be addressed first. A HEA is mandatory if you plan to pursue any of the following:

  • Whole Home Heat Pump
  • Partial Home Heat Pump (when pursuing bonus incentives)
  • Windows
  • Weatherization
  • Weatherization Barriers

For all other financeable measures, an HEA is not required, though it is recommended as it may help identify additional opportunities for savings.

DOER Z-Loan Program FAQ

 A Home Energy Assessment is no-cost and can be done in-person or virtually. The assessment finds inefficiencies in how energy is used in your home. During the assessment, an Energy Specialist will identify energy-saving opportunities specific to your home and help you access available rebates, incentives, and financing.

A member of North Brookfield Savings Bank will gladly walk you through these steps when you apply with us. Homeowners should expect the following steps in the financing process:

    • Schedule a home energy assessment through Energy New England or NextZero, depending on their municipal utility.
    • Ask a contractor for a proposal covering the recommended improvements.
    • Apply for financing at www.myz-loan.com.
    • Wait for approval from a participating lender before beginning any work.

You must own a home in Massachusetts to be eligible. DOER and North Brookfield Savings Bank work with homeowners all across the Massachusetts community to help them get the energy-efficient appliances and features they need. While we work with any and all homeowners in Central and Western Massachusetts, we have locations in the following communities:

  • North Brookfield, Massachusetts
  • East Brookfield, Massachusetts
  • West Brookfield, Massachusetts
  • Ware, Massachusetts
  • Belchertown, Massachusetts
  • Three Rivers, Massachusetts

How a Z-Loan Can Help You Make Energy-Efficient Upgrades

North Brookfield Savings Bank offers the DOER Z-Loan to homeowners in Central and Western Massachusetts. The Z-Loan provides zero-interest financing for qualifying energy-efficient home upgrades. Z-Loans are available for up to $25,000, pending credit approval and other conditions. 

Loan AmountsMaximum Term Annual Percentage Rate (APR)Monthly Payment Per $1,000
$500.00 - $2,000.0024 Months0%$41.67
$2,001.00 - $15,000.0084 Months0%$11.91
$15,001.00 - $25,000.0084 Months0%$11.91

Apply Online | Contact A Lender | Learn More About the Z-Loan Program