Pennsylvania's Special Financing Programs
for Energy Saving Home Improvements

You can afford to improve your home's Energy Efficiency with Special Low Rate, Longer Term Financing

With Keystone HELP® Energy Efficiency Program, most Pennsylvania home owners who meet the program's eligibility guidlines can get a low cost loan for ENERGY STAR® rated and high efficiency heating, air conditioning, air sealing, insulation, windows, doors, geothermal and "Whole House" Improvements using Home Performance with ENERGY STAR®. These lower rates can save consumer thousands of dollars over the life of the loan, further enhancing the energy saving from the improvements being made and eliminating or 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 up to $35,000
Keystone HELP® Loans provide an affordable home equity option for homeowners with limited home equity and below market rates for consumers with equity who choose to do "whole house" improvements.

Who is Eligible?
Pennsylvania homeowners who:

• Own and are making qualifying improvements to their primary residence (a 1 to 2 unit owner-occupied dwelling) located in PA
• Have a combined income of $150,000 or less*
• Homeowners must meet the credit eligibility standards of the program

*Homeowners with income over $150,000
can apply for EnergyLoan programs.

How Do I get a Keystone HELP Loan?

Apply online at keystonehelp.com, by phone at (888) 232-3477, or see talk to us for more information. We'll have a quick decidion on your application, and are happy to answer your questions.

It's Fast and Easy!

• Get an estimate for qualifying improvements through Bethlehem Windows
• Fill out an application online at www.keystonehelp.com or by calling (888) 232-3477
• Provide us with how much energy you used and how much you paid for energy for the past twelve months
• For an Unsecured Loan, sign the Keystone HELP® Retail Installment Agreement provided to you. For a Secured R&R Loan, we will send you disclosure information and a closing agent will come to you at a mutually convenient time and location to close your loan
• When the work is done to your satisfaction, sign the Completion Certificate that we will provide you.
• If you are applying for a "Whole House" Loan, obtain your energy audit from a Keystone HELP Certified Auditor (see keystonehelp.com) and select sufficient qualifying improvements from those recommended to meet program requirements

What Improvements are Eligible?
A complete list with detailed installation specifications can be obtained at www.keystonehelp.com

Energy Star© Improvements
Work must be performed by an Approved, Trained, or Certified Contractor. For more information on Energy Star rated improvements, visit energystar.gov.

• Energy Star Air Source Heat Pumps
• Energy Star Central Air Systems
• Energy Star Boilers (all fuels)
• Energy Star Furnaces (all fuels)
• Energy Star Water Heaters
• Energy Star Windows/Doors
• Air Sealing and Insulation
• Energy Star Ceiling Fans
• Energy Star Programmable Thermostats
• Energy Star Ventilating Fans

Advanced Performance Eligible Improvements

• Air Source Heat Pump
• Central AC System Split Systems
• Boilers (all fuels)
• Geothermal Heat Pumps
• Air sealing and Insulation
• Alternative Energy Heating & Cooling Systems

Whole House Improvements
Work under this category must be performed by a Certified Contractor, or a trained Contractor under the on-site oversight of a Certified Auditor.

Solar, Wind, and Other Alternative Energy Sources
Financing available through www.energyloan.net