DOLLAR and ENERGY SAVING LOANS
Nebraska Dollar and Energy Saving Loans are offered statewide by
the Nebraska Department of Environment and Energy (NDEE) and the state's lending
institutions. The simple interest rates are 5%, 3.5%, or less*.
Many common home, building or system energy improvements
qualify for financing.
Prequalified projects for home and building improvements are generally
cost-effective and can be financed with a low-interest loan for up to 15 years,
or for 5 years for appliances. The term for other prequalified projects ranges
from 3 to 10 years, depending on the loan category. Minimum monthly payments
apply: $25 for appliances and electronics; $50 for all others.
|Nebraska Dollar and Energy Saving Loans
||Borrower Maximums for Home, Building or
System Energy Improvements
|Dollar & Energy Saving Loans
||1.5% Loans for NPPD Customers
List of NPPD Customers
|Wind, Photovoltaic, Fuel Cell projects
||Check with your lender for availability.
||Not all lenders may offer a 1.5% rate. Check with your lender for availability.
||Check with your lender for availability.
|Find a Lender
||Find a Lender
||Find a Lender
|One and Two Family Dwellings (including rural properties)
Individually Metered Only
|Multi-family Dwellings with 3 or more units, 1-3 stories tall
Individually Metered Only
|ENERGY STAR® Partners
- Multi-Family Buildings 4 Stories or more
- Agricultural Buildings
- Local governments
- All political subdivisions, except state government
|Farm and Ranch Operations (Borrowers must produce $1,000 + of agricultural products
in a calendar year)
|Dedicated alternative Fuel Projects
|ENERGY STAR® Certified Home Electronics
|ENERGY STAR® Certified Office Electronics
Getting a Loan for Prequalified Projects
The first thing you will need are the loan application forms for the improvements
you wish to make. Specific energy efficiency requirements are listed on the forms
for each type of project.
If you are an individual or in the case of a business, a sole proprietor, you
must complete and submit a United States Citizenship Attestation
(Form A) in
order to comply with Nebraska Legislative Bill 403 signed into law on April 8,
When you are ready to apply for loan, you may get loan application forms from
your lender, the Nebraska Department of Environment and Energy, or print a copy
of the form from the list below. Just click on the form or forms you need and
print them on your printer. Form B must be included
with your loan application when submitting project application Forms 1, 2, 3,
4, 7, 8, 9, 20 and 30.
|Prequalified Project Application Forms
||Replacement Appliance Application. For consumer and business products
such as Refrigerator, Freezer, Dishwasher and Clothes Washer Appliance
Replacement. Maximum loan term 1 to 5 years.
||Door, Window, Wall and Ceiling Projects Application. Insulation Added,
Seal leaking Doors and Windows, Wall and Ceiling Insulation, Caulking and
Sealing Building Envelope (if your project includes roofing, siding, new
windows or doors you must attach supplemental forms
2 Roofing, 2 Siding,
or 2 Window/Door).
Maximum loan term 1 to 15 years.
||Heating, Cooling and Water Heating Projects Application. Furnace, Air
Conditioning and Water Heater Projects. Maximum loan term 1 to 15 years.
||Lighting Projects Application. Maximum loan term 1 to 15 years if a
building improvement; 1 to 10 years if a system improvement. If needed,
use the Form 4, Lighting Projects (Excel)
Spreadsheet to list lighting improvements on pages 2 and 3.
||Telecommunications Equipment Application. Telecommunication Network Access
Equipment, Servers, Modems/Rack Modems, Channel Service Units, Data Service
Units, Computers, Video Conferencing Products, Portable Conferencing Units,
Teleconferencing Bridges and more. Maximum loan term 1 to 10 years.
||ENERGY STAR® Certified Home Electronics and Office Equipment Application.
Computers and Laptops, Printers, Monitors, Fax Machines, Copiers, Cordless
phones, Answering machines, Battery Chargers, Home Audio Equipment,
Televisions and more. Maximum loan term 1 to 5 years.
||Wind, Solar and Fuel Cell Application. Fuel Cells, Wind, Solar Hot Water
and Photovoltaic Systems. Maximum loan term 1 to 10 years.
||Utility Records Release. For use when Utility Account is in the name of
someone other than the applicant.
||United States Citizenship Attestation. To comply with Nebraska
Legislative Bill 403.
||Project Start Notification. Agreement not to purchase equipment or
contractually obligate yourself to a project until a Commitment Agreement
(Form 10) is signed by NDEE.
||For ordering Lender and Project Application Forms and other Program Materials.
Get Price Quotes/Bids
Obtain price quotes or bids from contractors, dealers or installers for the
desired projects, but do not proceed with any work or contractually obligate
yourself to proceed. (If you do, you lose your eligibility to finance the
project through NDEE. You may get a bid or quote, contingent on
NDEE approval of your project.)
Only one bid or quote is required by NDEE.
However, it is prudent to compare several bids or quotes and some lenders may
require more than one. If there is a minimum performance requirement for a
particular project, such as a heating or cooling unit, make sure the bidder is
aware of the requirement and ask the bidder to mark the performance factor on
the bid form.
If more than one project is included on a bid form, or if there is additional
work which does not qualify for low-interest financing, costs of each qualifying
project must be itemized.
Complete all the information requested on each form and attach the price quotes
or bids that you intend to accept. You may install projects yourself, but may
not include the value of your labor in the project cost. If the project will
result in a rebate, the amount of that rebate must be deducted from the project
Go To Your Lender
Energy loans are available statewide.
Take the completed forms to an eligible lender — a Nebraska bank, savings
institution or credit union of your choice. Most financial institutions in
Nebraska offer Dollar and Energy Saving Loans.
You must provide the information required by the lender to complete your loan
application and determine that you meet the institution’s credit requirements.
Lenders are encouraged to make these loans for the maximum term. If your lender
does not, or if you are not satisfied with fees or other details of the loan,
you may want to contact another participating lender.
The lender will approve your loan application subject to NDEE’s
commitment of funds. After NDEE reviews your project and reserves
funds for your loan, your lender will notify you to proceed with your project.
Do not begin any part of the project until your lender notifies you of
Your lender will notify you when to proceed with the work. All qualifying work
should be completed within five months after NDEE’s commitment of
funds. When completed, notify the lender to finalize any remaining details.
Start repaying your loan while you enjoy the lower energy bills and operating
costs provided by the improvements you have made.
Typical Improvements You Can Finance
- Refrigerator, Freezer, Dishwasher, Dehumidifier or Clothes Washer Replacements
- Certain Commercial Appliance Replacements
- Room Air Conditioner and Room Heat Pump
- Insulation added to walls, floors, ceilings, attics and other building envelope
- Windows, Glass Doors and Exterior Doors
- Storm Windows and Doors
- Skylight Replacements
- Broken Windows
- Windows and Doors to be replaced with solid walls
- Reflective Window Film
- Building Air Leaks to be sealed with caulk and weather-stripping or thresholds
- High Efficiency Space Heating Equipment
- Forced air gas furnace
- Steam or hot water boiler
- Combination water and space heater
- Radiant heating
- High Efficiency Space Cooling Equipment
- Central air conditioner
- Air source heat pump
- Ground water or ground coupled heat pump
- Packaged terminal heat pump or air conditioner
- Programmable Thermostats and other controls
- High Efficiency Water Heating Equipment
- Duct, Pipe and Water Heater Insulation
- Whole House Fans, Heat or Energy Recovery Ventilator and Outdoor Combustion
Air Intake Duct
- Fireplace Inserts
- High Efficiency Lighting and Controls
- Renewable Wind, Solar and Fuel Cell Projects
- Dedicated alternative Fuel Vehicles and Fueling Facilities
- Telecommunications Equipment such as network access equipment, video and audio
conferencing products and other equipment which save energy by reducing the
need for physical transportation
- ENERGY STAR® Certified Home Electronics and Office Equipment
- Other Energy Efficiency and Waste Minimization projects can be financed in
some situations. Contact NDEE for details.
Getting a Loan for Other Improvements, Equipment or Technical Analyses
If you want to make an improvement or purchase equipment that is not listed on
forms 1-4, 7-9 or 20 as a prequalified project you may be able to qualify for
financing by demonstrating that the project will pay for itself within:
- 15 years for building improvements,
- 5 years for replacement appliances or home electronics and office equipment or
- 10 years for all others
Do-It-Yourself Analysis and More
Steps to Obtain a Low Interest Loan Using an Energy Saving
Improvement Analysis, Form 32 and
Form 33 provide a simple energy saving analysis which you can
Form 36 provides the format for doing the same on waste
- Free or low-cost energy audits may also be available from your local electric
or natural gas utility. If these are unavailable or not appropriate, you may seek
assistance from a professional engineer, architect or other licensed or certified
- When a third party prepares the technical analysis, that person must complete
and sign an Analyst No Interest Statement, and the borrower must complete the
Utility Records Release, both on Form 34.
- Submit the completed analysis of the energy saving improvement(s) or waste
minimization project(s), with all supporting documentation, to NDEE.
- NDEE will review it to make sure that savings estimates are reasonable
or the waste minimization project qualifies, and will return a
Technical Analysis Acceptance,
Form 6, to the participating lender you designate.
- This form lists those improvements or projects identified in the analysis which
qualify for a Dollar and Energy Saving Loan.
- Meet with your lender when Form 6 is received and proceed with financing the
qualifying improvement(s) or project(s).
- The cost of an analysis prepared by a third party may be added to a Dollar and
Energy Saving Loan as a part of the cost of the project.
Technical Analysis Loans
A technical analysis of energy saving improvements or waste minimization projects
may be financed with a Dollar and Energy Saving Loan provided it will be done,
as appropriate, by a Professional Engineer or Architect, Certified Energy Manager,
Certified Lighting Efficiency Professional or Home Energy Rater.
Use Form 30 and Form 31 to apply
for a technical analysis loan through a participating Nebraska lender.
Energy Efficient Housing Loans
Nebraska Energy Efficient Housing Application
Use Form M10 and the
Energy Efficient Housing
Application Guidelines to apply for new home construction financing for pre-sold homes.
This application requires the services of a RESNET, or Building Performance Institute (BPI) certified Home Energy Rating System (HERS)
To remain eligible for this loan, the home owner must receive NDEE written approval of their application prior
to applying for a building permit, if required, and prior to any construction or ground breaking.
Prequalified and other improvement, equipment or technical analyses projects
may not be started prior to NDEE commitment of funds to your lender
except in two emergency situations:
- When a heating system fails or is red-tagged during the months of September
through May, or
- When a cooling system fails during the months of April through October and
immediate replacement is essential for verifiable medical reasons.
In either case, the lender must obtain NDEE approval for immediate
installation of qualifying equipment. Then the improvement may be financed
with a conventional loan until NDEE commits funds to refinance
the balance with an energy loan.
Equipment installed in an emergency must still meet minimum performance
requirements and the borrower must still meet the lender’s credit requirements.
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