Who is Eligible?

Pennsylvania homeowners who own and are making qualifying improvements to their primary residence located in Pennsylvania and whose combined annual household income is $150,000 or less are eligible to apply for a loan or rebate under the Keystone HELP program. (The Keystone HELP Renovate and Repair Loan and other programs at different rates and terms may be available for homeowners whose income exceeds $150,000 – please contact us for details.)

Improvements must be made to 1 to 2 unit owner-occupied dwellings. Work under the secured “Whole House Improvement Loan” or Renovate and Repair Loan programs must be done on a 1-2 unit owner occupied, deeded property.

Applicants also agree to:

  • Complete or provide data on your energy usage for completion of the Energy Star Home Energy Yardstick or equivalent;
  • Grant access to your utility and fuel consumption data to the Department of Environmental Protection or its designees for 12 months from the date of your rebate or loan (not applicable for Renovate and Repair ENERGY STAR Loan); and
  • Complete a follow up survey in approximately 12 months from the date of your loan or rebate.

If you are applying for financing under the Keystone HELP program, you must meet the credit eligibility standards of the program.

Apply Online

1.888.AFC FIRST