Pennsylvania Programs

Pennsylvania Programs

keystonelogo-newKeystone HELP

With Keystone HELP® (Home Energy Loan Program), most Pennsylvania homeowners who meet the program’s eligibility guidelines can get a low cost loan for ENERGY STAR® rated and high efficiency heating, air conditioning, air sealing, insulation, windows, geothermal and “whole house” improvements using

Home Performance with ENERGY STAR®. These lower rates can save consumers thousands of dollars over the life of the loan, further enhancing the energy savings from the improvements being made and minimizing out of pocket costs.

For improvements from $1,000 to $15,000 Keystone HELP loans have lower fixed rates and long amortization terms(meaning lower monthly payments) than typical unsecured financing options such as high rate credit cards or shorter term bank loans.

For improvements from $5,000 to $35,000

Keystone HELP loans provide an affordable option for homeowners with limited home equity and below market rates for consumers with equity who choose to do “whole house” improvements.

Principally supported by the Pennsylvania Treasury Department, Department of Environmental Protection, and the Pennsylvania Housing Finance Agency, the Keystone HELP® program helps make affordable energy efficiency available to all eligible Pennsylvanians. Keystone HELP® is administered by AFC First Financial Corporation, a Pennsylvania energy efficiency lender.

Who is Eligible?

Pennsylvania homeowners who:

  • Own and are making qualifying improvements to their 1 to 2 unit primary residence located in PA;
  • For Keystone HELP Energy Efficiency loans, have a combined household income of $150,000 or less. Please note, there is no income limit for Geothermal loans or non-Keystone HELP EnergyLoan programs
  • Meet the credit standards of the program
  • Agree to other specifications of the program, see details at