Jan 25, 2021
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In partnership with Energy Smart Colorado and the counties of Eagle, Gunnison, Lake, Summit, Routt and Pitkin, EnergySmart Partners LLC offers affordable energy efficiency loans to qualified residents to make eligible energy efficiency upgrade to reduce home energy costs.



  • Loans for $1,000 up to $25,000 depending on applicants credit score, income verification, and length of loan term are available.
  • Fixed Interest Rates
  • Flexible Loan Terms
  • Loans in excess of $15,000 will be secured by a Deed of Trust on the property.


  • Your property must be located in Eagle, Gunnison, Lake, Summit, Routt or Pitkin Counties in Colorado.
  • The property can be owner occupied or a rental property (rental properties are limited to loan amounts less than $15,000).
  • You must own the residence to be upgraded with the energy efficiency renovations.
  • Have a minimum credit score of 580.
  • Meet additional financing terms of EnergySmart Partners LLC.


Credit Metrics

Tier 1

Tier 2

Tier 3

Minimum FICO (Credit Score)

Each borrower must have a minimum FICO

If there are multiple borrowers, the lower the score (regardless of income) must be used for qualification

700 if salaried (or fixed income)

720 if self-employed less than 2 years

640 if salaried (or fixed income)

680 if self-employed more than 2 years

    580 if salaried, no self employment

    Bankruptcy, Foreclosure, Repossession

    None in the last 7 years

    None in the last 5 years

    None in the last 2 years

    Unpaid Collection Accounts, Judgments, Tax Liens

    No more than $2,500 total

    No more than $2,500 total

    No more than $2,500 total

    Loan Amounts

    Up to $25,000

    Up to $10,000

    Up to $7,500


    List of Permitted Improvements:

    Air Sealing: Air Sealing, HRV, Duct Sealing

    Insulation: Attic, Wall, Floor, Ducts, Rim Joists, Foundation/Basement Wall or Crawlspace

    Heating: High Efficiency Furnace, Gas Boiler or Pellet Stove/Boiler

    Water Heating: Solar Thermal, Conventional Water Heater or Tankless On-Demand

    Doors and Windors: Exterior Windows and Glass Doors, Insulating Shutters or Blinds, Insulating Exterior Doors or Storm Doors

    Lighting: LED Lighting

    Controls: Programmable Thermostats, Timers and Temperature and Occupancy Settings.

    Solar: Solar Thermal and Solar PV Systems *Must be installed in conjunction with an energy efficiency project and achieve 15% savings.

    All improvements have minimum efficiency requirements.  Eligible measures are subject to local building code and permitting processes. Ancillary improvement costs may not exceed 20% of total project. This list is subject to change without notice.

    Contractors performing work must comply with all applicable regulations and permitting processes.

    To apply for this program:

     Step 1:  Apply Online





    Step 2: Please print and sign the Authorization to Release Information & E-Consent forms. 

                                                                                          Step 3: 


    Click on the button below and pay for the credit report fee using a credit or debit card on our secured Paypal connection.

    Please click the "BUY NOW" button below to pay the credit report fee.

    Please note the fee is paid to the EnergySmart Partners LLC a subsidiary of Funding Partners for Housing Solutions, Inc.


     Credit Report Fee


    After EnergySmart Partners LLC receives your completed application and signed Authorization to Release Information & E-Consent form, your application will be processed promptly and we will contact you the status of your application. 


    EnergySmart Partners LLC

    a wholly owned subsidiary of

    Funding Partners for Housing Solutions, Inc.

    Megan Ferguson

    Retail Program Manager


    Colorado MLO# 100034415    NMLS# 382935

    *Regulated by the Colorado Division of Real Estate

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    Garfield Clean Energy Contractor Agreement & ACH Form  |  Garfield Clean Energy Application Checklist   |  Energy Smart CO Contractor Agreement & ACH Authorization  |  EnergySmart Partners role in the process  |  Loan Closing Procedures

    330 S. College Avenue
    Suite 400
    Fort Collins CO 80524

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    NMLS# 382935; Colorado License# 100034415