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Home Energy Loan Program


MHET’s Home Energy Loan Program (HELP) is a groundbreaking initiative that provides extremely low-interest loans and small grants to low-income individuals to finance healthy, energy efficient, and climate resilient home improvements.

The Home Energy Loan Program is financed by the HELP Fund, which combines investments from philanthropic organizations, impact investors, and non-accredited investors with federal, state, and local funding to accelerate a just and local renewable energy transition. 

MHET has created a separate 501(c)(3) nonprofit to administer the Home Energy Loan Program and the HELP Fund. 

Our Mission

The Home Energy Loan Program creates innovative investment opportunities that generate inclusive financing for people and communities facing systemic exclusion in order to accelerate a just and local renewable energy transition.

Our Vision

We envision an equitable and collaborative society, where our well-being is intertwined with the natural world and with our neighbors. We imagine everyone in our community has access to the financial resources they need to make decisions about their lives, homes, communities, and shared future.

In this future, everyone will have access to a home that is affordable, free of harmful environmental toxins and fossil fuels, and able to keep them safe from climate emergencies. The community will have the knowledge and the ability to control its energy resources and use them for the benefit of all.

Interested in Investing in HELP?

Our Offering Memorandum is scheduled to go live to investors in June 2024. Until then, we welcome donations for the HELP fund.

HELP is on the way!

The Home Energy Loan Program is currently under development and anticipates opening up to loan applications in Fall 2024.

If you are interested in being considered for a loan or want to talk about other options for financing home improvements, please call +1-845-383-1050 to speak to a member of MHET’s Home Upgrade Grants staff or email

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