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St. Louis County SAVES Finance Program for
Energy-Efficient Air Conditioners & Heaters
The St. Louis County SAVES program is a new low-interest rate financing program for home owners living in the St. Louis County area. It is designed especially to encourage individuals to purchase energy-efficient air conditioners and heaters as well as to make other energy-efficient improvements to their home. To find out if you qualify for the St. Louis County SAVES program and to learn about the types of energy-efficient air conditioners and heaters that apply to this program, please contact Holiday Heating and Cooling in St. Louis.
At Holiday Heating and Cooling, we have experience working with individuals to help them receive many heater and air conditioner rebates and incentives.
We understand the many existing programs and will help individuals who are interested in making the responsible decision of choosing energy-efficient heating and cooling systems. With these programs and affordable prices from Holiday Heating and Cooling, you can have the energy and cost-saving heating and cooling system you desire.
What is the St. Louis County SAVES Program?
The St. Louis County SAVES program is a $10.4 million financing program that is offered by St. Louis County. This program offers low rate financing for qualified home owners for a number of eligible home energy improvements including buying energy-efficient air conditioners and heaters. The program is financed through a Qualified Energy Conservation Bond issued by St. Louis County.
The main belief behind this program is that energy efficiency begins at home. The program:
- Encourages individuals to make energy-efficient upgrades including buying energy-efficient air conditioners, heaters, furnaces, and hot water heaters.
- Offers unsecured personal loans with an interest rate fixed at 3.5%. APR will vary based on 3% loan fee and term.
- Is eligible for only owner-occupied, single-family homes.
- Sets borrower requirements at FICO scores of greater than or equal to 660 and debt-to-income ratios of less than 45%.
- Allows individuals to borrow between $2,500 and $15,000.
- Combines with utility rebates and federal tax credits to offer even more savings.
What Energy-Efficient Air Conditioners, Heaters, and Improvements Qualify for this Program?
Loans that are obtained through the St. Louis County SAVES financing program can be used to finance a number of energy-efficient improvements to a home. This includes home weatherization and purchasing and installing energy-efficient air conditioners and furnaces. In general, these loans can be used for any improvement that help a home use less electricity, propane, heating oil, or natural gas. There are some specific requirements that have been set to determine if improvements meet the necessary qualifications.
At Holiday Heating and Cooling, we can help you further understand this program as well as the specific types of energy-efficient air conditioners, heaters, furnaces, and HVAC systems that qualify for this financing program.
How do I Obtain a St. Louis County SAVES Loan for My New Energy-Efficient Air Conditioner or Heater?
The process of obtaining a St. Louis Country SAVES loan is rather straightforward and easy to follow. In order to obtain this financing, a home owner must first select a St. Louis County SAVES authorized contractor to receive an estimate. The consumer will then decide if they would like to have an energy assessment or choose from a list of prequalified improvements. You can then submit the loan approval form to see if you qualify.
As an approved St. Louis County SAVES contractor, Holiday Heating and Cooling can help guide you through the loan application process and help you to select the best energy-efficient air conditioner or heater for your home.
To learn more about this financing program for energy-efficient air conditioners, heaters, furnaces, and other home improvements, please contact Holiday Heating and Cooling in St. Louis.
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Holiday Heating & A/C - St. Louis HVAC • 336 Sovereign Ct.• Ballwin, MO 63011
phone 636-391-7377 • fax 636-391-3849 • info@holidayheating.com
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