ENERGY STAR UNSECURED LOAN

Available for installed Heating and Cooling (non-Whole House) which meets ENERGY STAR standards from $1,000 to $15,000. An energy audit is not required and all work must be performed by an Approved Keystone HELP Contractor.

Program Details

• 8.99% APR True Fixed Rate Statewide
• 5.99% APR  in Southeastern Pennsylvania through EnergyWorks
• From $1,000 to $15,000
• Up to Ten Year Term
• No Lien on Your Home
• Click Here to Apply Online
• Click Here to View a List of Qualifying Improvements  

ADVANCED PERFORMANCE UNSECURED LOAN Single Measure

Available for comprehensive whole house energy improvements which includes heating and cooling from $1,000 to $15,000. An energy audit is not required and all work must be performed by an Approved Keystone HELP Contractor.

Program Details

• 7.99% APR True Fixed Rate Statewide
• 4.99% APR  in Southeastern Pennsylvania through EnergyWorks
• From $1,000 to $15,000
• Up to Ten Year Term
• No Lien on Your Home
• Click Here to Apply Online
• Click Here to View a List of Qualifying Improvements 

WHOLE HOUSE UNSECURED LOAN Home Performance with ENERGYSTAR

Available for comprehensive whole house energy improvements which includes heating and cooling from $1,000 to $15,000.  An energy audit is required and all work must be performed by a Certified (BPI) Keystone HELP Contractor.

Program Details

• 2.99% APR True Fixed Rate Statewide
• 0.99% APR in Southeastern Pennsylvania through EnergyWorks
• From $1,000 to $15,000
• Up to Ten Year Term
• No Lien on Your Home
• Click Here to Apply Online
• Click Here to View a List of Qualifying Improvements 

Energy Audit

An energy audit is an inspection, survey and analysis of energy flows for energy conservation in your home.

• Prior to any other qualifying improvements, a BPI compliant Test–In is conducted by a Certified Keystone HELP Auditor/Contractor
• Blower door-directed air sealing of the home and ducts is performed, in accordance with ENERGY STAR recommended air sealing practices
• Program qualifying measures are installed
• A Test-Out is conducted

Now is the time to switch to natural gas heat.

With summer right around the corner, you may not be thinking much about your winter heating bills.

But it’s always a good time to think about saving money.

Right now, you can take advantage of rebates, Federal tax credits and low interest Keystone HELP loans (as low as 0.99% APR).

PLUS if you ACT NOW, EnergyWorks will pay the first six months of your loan for home energy efficiency projects, including PECO Smart Natural Gas Conversion.

Add up the potential savings and make the switch to natural gas heat today! 
This winter, you’ll be glad you did.

• $200 – PECO Smart Natural Gas Conversion rebate
• $300 – PECO Smart Home Rebate when you install an ENERGY STAR® qualified natural gas furnace or boiler
• $100 – PECO Smart Home Rebate for high efficiency fan
• Motor (standard on ENERGY STAR qualified natural gas furnaces)
• PLUS Federal tax credits and manufacturer rebates

With Keystone HELP® (Home Energy Loan Program), most Pennsylvania homeowners who meet the program’s eligibility guidelines can get a low cost loan for ENERGY STAR rated and high efficiency heating, air conditioning, gas conversions, air sealing, insulation, and “whole house” improvements using Home Performance with ENERGY STAR. These special loan terms can help you save thousands of dollars over the life of your loan, further enhancing the financial impact of your energy savings and minimizing out of pocket costs.

How Do I Get a Keystone HELP® Loan?

• Get an esimate for qualifying improvement from your Keystone HELP/AFC First Approved Contractor.
• For fastest approval click here to apply online or apply by phone at (888) 232-3477.
• We’ll have a quick decision on your application and answer any questions you may have.
• We pay the Contractor directly when the work is done to your satisfaction.

For more information, visit www.peco.com/gasconversion.

Keystone HELP® Financing for Heating & Cooling

Keystone HELP® provides Pennsylvania Homeowners statewide with the most affordable way to finance energy saving home improvements. Begin saving money and energy today, and enjoy a more comfortable home. Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan. And you can pay it off at any time without penalty!

• You can finance 100% of your energy efficiency project if at least 75% is comprised of qualifing improvements shown below.
• Most types of Heating and Cooling qualify if they meet or exceed ENERGY STAR standards.
• Larger project such as Geothermal and Solar have financing options available to $35,000.
• Non-qualifying improvments may be eligible for AFC First's national EnergyLoan program at higher rate.

If you are a resident of Southeastern Pennsylvania (Bucks, Chester, Delaware, Montgomery or Philadelphia counties) you may qualify for even lower rates through the EnergyWorks program.

WHOLE HOUSE UNSECURED LOAN Home Performance with ENERGYSTAR

Available for comprehensive whole house energy improvements which includes heating and cooling from $1,000 to $15,000.  An energy audit is required and all work must be performed by a Certified (BPI) Keystone HELP Contractor.

Program Details

• Click Here to Apply Online
• Click Here to View a List of Qualifying Improvements  
  • Air Source Heat Pumps  (Split Systems) SEER ≥14.5,  EER  ≥ 12,HSPF ≥  8.2
  • Source Heat Pump (Package Systems)  SEER ≥14.0,  EER  ≥ 11.0,HSPF ≥  8.0
  • Central AC System Split Systems  SEER ≥ 14.5, EER  ≥ 12.0
  • Central AC Package Systems  SEER ≥ 14.0,  EER  ≥ 11.0
  • Boilers (All Fuels) AFUE ≥ 85
  • Furnaces (Natural Gas or Propane) AFUE ≥ 95
  • Furnaces (Oil) AFUE ≥ 85
  • Indoor solid fuel burning furnaces (wood, coal) AFUE≥78%
  • Water Heaters to ENERGYSTAR standard

Energy Audit

An energy audit is an inspection, survey and analysis of energy flows for energy conservation in your home.

• Prior to any other qualifying improvements, a BPI compliant Test–In is conducted by a Certified Keystone HELP Auditor/Contractor
• Blower door-directed air sealing of the home and ducts is performed, in accordance with ENERGY STAR recommended air sealing practices
• Program qualifying measures are installed
• A Test-Out is conducted

ADVANCED PERFORMANCE UNSECURED LOAN Single Measure

Available for comprehensive whole house energy improvements which includes heating and cooling from $1,000 to $15,000. An energy audit is not required and all work must be performed by an Approved Keystone HELP Contractor.

Program Details

• 7.99% APR True Fixed Rate Statewide
• 4.99% APR  in Southeastern Pennsylvania through EnergyWorks
• From $1,000 to $15,000
• Up to Ten Year Term
• No Lien on Your Home
• Click Here to Apply Online
• Click Here to View a List of Qualifying Improvements
  • Air Source Heat Pump (Split Systems) SEER ≥15.0, EER ≥ 12.5,HSPF ≥ 8.5
  • Air Source Heat Pump (Package Systems) SEER ≥ 14.0, EER ≥ 12.0, HSPF ≥ 8.0
  • Central AC System Split Systems SEER ≥ 16.0, EER ≥ 13.0
  • Central AC Package SystemsSEER ≥14.0, EER ≥ 12.0
  • Boilers (Natural Gas, Oil or Propane) AFUE ≥ 90
  • Furnaces (Natural Gas or Propane) AFUE ≥ 96
  • Furnaces (Oil) AFUE ≥ 90
  • Water Heater (Gas, Oil or Propane): Energy Factor ≥ 0.82 or thermal efficiency ≥ 90%
  • Water Heater (Electric Heat Pump): Energy Factor ≥ 2.0

ENERGY STAR UNSECURED LOAN

Available for installed Heating and Cooling (non-Whole House) which meets ENERGY STAR standards from $1,000 to $15,000. An energy audit is not required and all work must be performed by an Approved Keystone HELP Contractor.

Program Details

• 8.99% APR True Fixed Rate Statewide
• 5.99% APR  in Southeastern Pennsylvania through EnergyWorks
• From $1,000 to $15,000
• Up to Ten Year Term
• No Lien on Your Home
• Click Here to Apply Online
• Click Here to View a List of Qualifying Improvements
  • Air Source Heat Pumps  (Split Systems) SEER ≥14.5,  EER  ≥ 12,HSPF ≥  8.2
  • Source Heat Pump (Package Systems)  SEER ≥14.0,  EER  ≥ 11.0,HSPF ≥  8.0
  • Central AC System Split Systems  SEER ≥ 14.5, EER  ≥ 12.0
  • Central AC Package Systems  SEER ≥ 14.0,  EER  ≥ 11.0
  • Boilers (All Fuels) AFUE ≥ 85
  • Furnaces (Natural Gas or Propane) AFUE ≥ 95
  • Furnaces (Oil) AFUE ≥ 85
  • Indoor solid fuel burning furnaces (wood, coal) AFUE≥78%
  • Water Heaters to ENERGYSTAR standard

True Fixed Rate Financing for Energy Efficient Heating & Cooling!

Learn how a special, low rate EnergyWorks loan from Pennsylvania’s Keystone HELP® can help you finance energy efficiency improvements. 

EnergyWorks is a comprehensive energy solutions program for homeowners. EnergyWorks helps residents of Southeastern Pennsylvania find ways to reduce their home's energy usage affordably. EnergyWorks has partnered with Keystone HELP®, Pennsylvania's special financing program for energy efficient home improvements, to offer special lower interest rates for qualifying homeowners in Southeastern Pennsylvania.

Get New, Energy Efficient Heating & Cooling for as Low as $53* per Month!

Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan.

Getting Started: Simple Steps

Step One: Choose A Qualifying Improvement

• Completing a home energy assessment and making energy renovations to your entire home gives you the greatest value and benefits, but every little bit helps. If you’re not ready to do a complete home energy overhaul, doing an individual project (like installing insulation or a more energy efficient furnace or boiler) is a great start. Decide what improvement you would like to make, if you are unsure, consult with your Approved Contractor.

Step Two: Find A Contractor

• Get an estimate for qualifying improvements from your participating EnergyWorks Contractor. If you do not have an Approved Contractor selected, please find one using our online Find A Contractor search.

Step Three: Finance Your Improvement

• Apply Online, through your Keystone HELP® Approved Contractor, or over the phone at 888-232-3477. We’ll have a quick approval and pay the contractor when the work is completed to your satisfaction.

Southeastern PA Heating & Cooling Financing Options

ENERGY STAR Installed Equipment

• True Fixed Rate, Unsecured Loans from $1,000 to $15,000
• 3, 5, or 10 Year Terms at 4.99% or 5.99%
• $250,000 Maximum Household Income Limit
• No Energy Audit Required
• Available Only to Qualifying Homeowners in Bucks, Chester,
  Delaware, Montgomery & Philadelphia counties

Other Financing Options:

PowerSaver/Renovate and Repair Loan

• Secured Loans from $5,000 to $35,000
  
• 10, 15 or 20 Year Terms as low as 6.375%
  
• Up to 120% of Your Home’s Value, 2nd or 3rd Lien
  
• Most ENERGY STAR & Many Other Improvements Eligible

Ask About Special 0.99% Financing for
Whole House Energy Improvements
Home Performance with ENERGY STAR

Who is Eligible?

Homeowners in Bucks, Chester, Delaware, Montgomery and Philadelphia counties can take advantage of these special lower rate financing program for energy efficiency improvements.

Southeastern Pennsylvania homeowners who are making qualifying improvements to their home (1 to 2 unit primary residence on permanent foundation) are eligible. Good credit and the ability to repay are required; income level dependent upon program selected.

Pennsylvania homeowners can improve the energy efficiency of their homes with special Keystone HELP® and EnergyWorks financing for Heating & Cooling and other Whole House Improvements using Home Performance with ENERGY STAR. 

• All installed equipment and material must be new.
• Loans are available only for projects initiated after the program’s effective date.
• An Eligible Applicant is permitted to participate in one Keystone HELP® loan program during each fiscal year, which is defined as the period from each July 1 until the following June 30. Eligible Applicants may apply for additional loans in future years, as long as the additional projects comply with the published guidelines current at the time of application.

What Improvements Can Be Financed?

To qualify for Keystone HELP® financing, improvements must fall under either the ENERGY STAR Equipment Loan, ADVANCED PERFORMANCE Equipment Loan, or the WHOLE HOUSE Loan. Details on Qualifying Improvements can be found below. This includes efficiency levels, and minimum program standards.

Qualifying Improvements for Heating & Cooling include:

• Air Source Heat Pump Systems
• Retrofit or Upgrade of Central AC Systems
• Boilers
• Furnaces
• Water Heaters, Electric Heat Pumps
• Indoor solid fuel burning furnaces
• Please click on the button below for complete details on Qualifying Improvements.

Who May Perform the Work?

Only AFC First Keystone HELP® Approved Contractors may perform the work. Approved Contractors have been reviewed for financial and ethical stability, and are authorized to perform work under the program. They are not agents of AFC First. All loans are made directly to the consumer. There are four different levels of contractors, as well as two different levels of Geothermal Contractors. 

Please click here for more information on the different levels of Approved Contractors.

How Do I Get a Keystone HELP® Loan?

Getting a Keystone HELP® loan is fast and easy:

• For fastest approval, customers should apply online, either directly or through your Approved Contractor. 
• You may also apply over the phone at 888-232-3477. 
• We'll have a quick decision on your application and will followup with the applicant in, typically, less than hour, during normal business hours.
• If you are ready to apply, but do not have a contractor selected, you may use our online Find A Contractor search feature to help find an Approved Contractor close to you.

JOIN THE 10,000+ PA HOMEOWNERS ENJOYING AFFORDABLE HOME COMFORT NOW

Questions? Ask your Keystone HELP® Approved Contractor, or call us at 1.888.232.3477

Only AFC FIRST APPROVED CONTRACTORS MAY PERFORM THE WORK.

*$53 monthly payment based on qualifying improvement cost of $5,000, 4.99% APR, 120-month term. Other amounts, rates and terms available. Subject to credit approval by AFC First Financial Corporation. Keystone HELP^® provides True Fixed Rate™ Financing from AFC First, that is principally supported by the PA Treasury Department, PA Department of Environmental Protection and the PA Housing Finance Agency. EnergyWorks is a U..S. Department of Energy Better Buildings Program.

True Fixed Rate 0.99% Financing for Energy Efficient Whole House Energy Improvements in Southeastern Pennsylvania!

Learn how a special, low rate EnergyWorks loan from Pennsylvania’s Keystone HELP® can help you finance energy efficiency improvements. 

EnergyWorks is a comprehensive energy solutions program for homeowners. EnergyWorks helps residents of Southeastern Pennsylvania find ways to reduce their home's energy usage affordably. EnergyWorks has partnered with Keystone HELP®, Pennsylvania's special financing program for energy efficient home improvements, to offer special lower interest rates for qualifying homeowners in Southeastern Pennsylvania.

Get New, Energy Efficient Whole House Improvements for as Low as $88* per Month!

Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan.

What are Whole House Energy Improvements?

The best way to save money and energy and increase your home's comfort is to do two simple steps before you install new heating, cooling, or windows. If you are looking to finance a single energy saving improvement, you may also qualify for a special lower rate financing option. In order to qualify, you must have the following items performed as part of your improvement project:

• Have a BPI Certified Professional test your home to find if it is "leaking" any heating or cooling.
• Seal those leaks and make sure your insulation is up to standards.

Getting Started: Simple Steps

Step One: Choose A Qualifying Improvement

• To get started with a whole-house energy improvement, schedule a home energy assessment. A certified building analyst will perform a complete assessment to pinpoint ways to save energy and make your home a more comfortable and healthy living space. The building analyst will also determine exactly how much you can save by making improvements. Your home energy assessment is performed by a participating EnergyWorks GOLD contractor, facilitated by the Energy Coordinating Agency, a partner of EnergyWorks. To find a building analyst near you, or schedule your home energy assessment, contact your participating EnergyWorks Gold Contractor or the ECA Call Center at (215) 609-1052 to speak with a trained representative, or visit the ECA website.
• Important Savings! A home energy assessment averages about $400, but for a limited time you can sign up for a special $150 promotional rate. Plus, if you complete at least $1,000 of energy efficiency improvements, you will receive an additional $50 rebate, leaving the net cost to you at just $100!

Step Two: Find A Contractor

• Once your home energy assessment is complete, you will need the right contractor to get the work done. If you do not have an Approved Contractor selected, please find one using our online Find A Contractor search.

Step Three: Finance Your Improvement

• Apply Online, through your Keystone HELP® Approved Contractor, or over the phone at 888-232-3477. We’ll have a quick approval and pay the contractor after ECA has completed a quality assurance check on the job and the work is completed to you satisfaction.

Southeastern PA Whole House Energy Improvements Financing Options

Whole House Energy Improvements
with Air Sealing & Insulation

• True Fixed Rate, Unsecured Loans from $1,000 to $15,000
• 3, 5, or 10 Year Terms at 4.99% or 5.99%
• $250,000 Maximum Household Income Limit
• BPI Energy Audit Required
• Available Only to Qualifying Homeowners in Bucks, Chester,
  Delaware, Montgomery & Philadelphia counties

Other Financing Options:

PowerSaver/Whole House Secured Loan

• Secured Loans from $5,000 to $35,000
  
• 10, 15 or 20 Year Terms as low as 3.875%
  
• Up to 120% of Your Home’s Value, 2nd or 3rd Lien
  
• Most ENERGY STAR & Many Other Improvements Eligible

Who is Eligible?

Homeowners in Bucks, Chester, Delaware, Montgomery and Philadelphia counties can take advantage of these special lower rate financing program for energy efficiency improvements.

Southeastern Pennsylvania homeowners who are making qualifying improvements to their home (1 to 2 unit primary residence on permanent foundation) are eligible. Good credit and the ability to repay are required; income level dependent upon program selected.

Pennsylvania homeowners can improve the energy efficiency of their homes with special Keystone HELP® and EnergyWorks financing for Air Sealing & Insulation and other Whole House Improvements using Home Performance with ENERGY STAR. 

• All installed equipment and material must be new.
• Loans are available only for projects initiated after the program’s effective date.
• An Eligible Applicant is permitted to participate in one Keystone HELP® loan program during each fiscal year, which is defined as the period from each July 1 until the following June 30. Eligible Applicants may apply for additional loans in future years, as long as the additional projects comply with the published guidelines current at the time of application.

What Improvements Can Be Financed?

To qualify for Keystone HELP® financing, improvements must fall under either the ENERGY STAR Equipment Loan, ADVANCED PERFORMANCE Equipment Loan, or the WHOLE HOUSE Loan. Details on Qualifying Improvements can be found below. This includes efficiency levels, and minimum program standards.

Qualifying Improvements and Program Process for Whole House Energy Improvements:

• Prior to any other qualifying improvements, a BPI compliant Test–In is conducted by a Certified Keystone HELP® Auditor/Contractor.
• Blower door-directed air sealing of the home and ducts is performed, in accordance with ENERGY STAR recommended air sealing practices
• Program qualifying measures are installed. These measures can include: Heating & Cooling, Windows & Doors, or other energy-saving home improvements as outlined in the program requirements below.
• A Test-Out is conducted
• Please click on the button below for complete details on Qualifying Improvements.

Who May Perform the Work?

Only AFC First Keystone HELP® Approved Contractors may perform the work. Approved Contractors have been reviewed for financial and ethical stability, and are authorized to perform work under the program. They are not agents of AFC First. All loans are made directly to the consumer. There are four different levels of contractors, as well as two different levels of Geothermal Contractors. 

Please click here for more information on the different levels of Approved Contractors.

How Do I Get a Keystone HELP® Loan?

Getting a Keystone HELP® loan is fast and easy:

• For fastest approval, customers should apply online, either directly or through your Approved Contractor. 
• You may also apply over the phone at 888-232-3477. 
• We'll have a quick decision on your application and will followup with the applicant in, typically, less than hour, during normal business hours.
• If you are ready to apply, but do not have a contractor selected, you may use our online Find A Contractor search feature to help find an Approved Contractor close to you.

JOIN THE 10,000+ PA HOMEOWNERS ENJOYING AFFORDABLE HOME COMFORT NOW

Questions? Ask your Keystone HELP® Approved Contractor, or call us at 1.888.232.3477

Only AFC FIRST APPROVED CONTRACTORS MAY PERFORM THE WORK.

*$88 monthly payment based on qualifying improvement cost of $10,000, 0.99% APR, 120-month term. Other amounts, rates and terms available. Subject to credit approval by AFC First Financial Corporation. Keystone HELP^® provides True Fixed Rate™ Financing from AFC First, that is principally supported by the PA Treasury Department, PA Department of Environmental Protection and the PA Housing Finance Agency. EnergyWorks is a U..S. Department of Energy Better Buildings Program.

Financing Programs For Energy Efficient Home Improvements

Lower Your Utility Bill with an Affordable, True Fixed Rate Loan from Pennsylvania's Keystone HELP®:

• Improve Your Home's Comfort

• Save Energy

• Increase Your Home's Value

Financing through Keystone HELP® is only available to eligible Pennsylvania Homeowners. Special lower rates are available to eligible homeowners in Southeastern Pennsylvania under the EnergyWorks program. More information on this special financing program can be found by clicking here.

Browse Our Financing Programs by Improvement Types:

Heating & Cooling

Windows & Doors

Air Sealing & Insulation

Whole House Energy Improvements

Geothermal

Solar

True Fixed Rate Financing for Energy Efficient Air Sealing & Insulation in Southeastern Pennsylvania!

Learn how a special, low rate EnergyWorks loan from Pennsylvania’s Keystone HELP® can help you finance energy efficiency improvements. 

EnergyWorks is a comprehensive energy solutions program for homeowners. EnergyWorks helps residents of Southeastern Pennsylvania find ways to reduce their home's energy usage affordably. EnergyWorks has partnered with Keystone HELP®, Pennsylvania's special financing program for energy efficient home improvements, to offer special lower interest rates for qualifying homeowners in Southeastern Pennsylvania.

Get New, Energy Efficient Air Sealing & Insulation for as Low as $27* per Month!

Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan.

Getting Started: Simple Steps

Step One: Choose A Qualifying Improvement

• Completing a home energy assessment and making energy renovations to your entire home gives you the greatest value and benefits, but every little bit helps. If you’re not ready to do a complete home energy overhaul, doing an individual project (like installing insulation or a more energy efficient furnace or boiler) is a great start. Decide what improvement you would like to make, if you are unsure, consult with your Approved Contractor.

Step Two: Find A Contractor

• Get an estimate for qualifying improvements from your participating EnergyWorks Contractor. If you do not have an Approved Contractor selected, please find one using our online Find A Contractor search.

Step Three: Finance Your Improvement

• Apply Online, through your Keystone HELP® Approved Contractor, or over the phone at 888-232-3477. We’ll have a quick approval and pay the contractor when the work is completed to your satisfaction.

Southeastern PA Air Sealing & Insulation Financing Options

ENERGY STAR Installed Equipment

• True Fixed Rate, Unsecured Loans from $1,000 to $15,000
• 3, 5, or 10 Year Terms at 4.99% or 5.99%
• $250,000 Maximum Household Income Limit
• No Energy Audit Required
• Available Only to Qualifying Homeowners in Bucks, Chester,
  Delaware, Montgomery & Philadelphia counties

Other Financing Options:

PowerSaver/Renovate and Repair Loan

• Secured Loans from $5,000 to $35,000
  
• 10, 15 or 20 Year Terms as low as 6.375%
  
• Up to 120% of Your Home’s Value, 2nd or 3rd Lien
  
• Most ENERGY STAR & Many Other Improvements Eligible

Ask About Special 0.99% Financing for
Whole House Energy Improvements
Home Performance with ENERGY STAR

Who is Eligible?

Homeowners in Bucks, Chester, Delaware, Montgomery and Philadelphia counties can take advantage of these special lower rate financing program for energy efficiency improvements.

Southeastern Pennsylvaniahomeowners who are making qualifying improvements to their home (1 to 2 unit primary residence on permanent foundation) are eligible. Good credit and the ability to repay are required; income level dependent upon program selected.

Pennsylvania homeowners can improve the energy efficiency of their homes with special Keystone HELP® and EnergyWorks financing for Air Sealing & Insulation and other Whole House Improvements using Home Performance with ENERGY STAR. 

• All installed equipment and material must be new.
• Loans are available only for projects initiated after the program’s effective date.
• An Eligible Applicant is permitted to participate in one Keystone HELP® loan program during each fiscal year, which is defined as the period from each July 1 until the following June 30. Eligible Applicants may apply for additional loans in future years, as long as the additional projects comply with the published guidelines current at the time of application.

What Improvements Can Be Financed?

To qualify for Keystone HELP® financing, improvements must fall under either the ENERGY STAR Equipment Loan, ADVANCED PERFORMANCE Equipment Loan, or the WHOLE HOUSE Loan. Details on Qualifying Improvements can be found below. This includes efficiency levels, and minimum program standards.

Qualifying Improvements for Air Sealing & Insulation include:

• Air Sealing of the Home and Ducts
• Floor, Wall and Ceiling Insulation
• Please click on the button below for complete details on Qualifying Improvements.

Who May Perform the Work?

Only AFC First Keystone HELP® Approved Contractors may perform the work. Approved Contractors have been reviewed for financial and ethical stability, and are authorized to perform work under the program. They are not agents of AFC First. All loans are made directly to the consumer. There are four different levels of contractors, as well as two different levels of Geothermal Contractors. 

Please click here for more information on the different levels of Approved Contractors.

How Do I Get a Keystone HELP® Loan?

Getting a Keystone HELP® loan is fast and easy:

• For fastest approval, customers should apply online, either directly or through your Approved Contractor. 
• You may also apply over the phone at 888-232-3477. 
• We'll have a quick decision on your application and will followup with the applicant in, typically, less than hour, during normal business hours.
• If you are ready to apply, but do not have a contractor selected, you may use our online Find A Contractor search feature to help find an Approved Contractor close to you.

JOIN THE 10,000+ PA HOMEOWNERS ENJOYING AFFORDABLE HOME COMFORT NOW

Questions? Ask your Keystone HELP® Approved Contractor, or call us at 1.888.232.3477

Only AFC FIRST APPROVED CONTRACTORS MAY PERFORM THE WORK.

*$27 monthly payment based on qualifying improvement cost of $2,500, 4.99% APR, 120-month term. Other amounts, rates and terms available. Subject to credit approval by AFC First Financial Corporation. Keystone HELP^® provides True Fixed Rate™ Financing from AFC First, that is principally supported by the PA Treasury Department, PA Department of Environmental Protection and the PA Housing Finance Agency. EnergyWorks is a U..S. Department of Energy Better Buildings Program.

True Fixed Rate Financing for Energy Efficient Solar!

Learn how a special, low rate loan from Pennsylvania’s Keystone HELP® can help you finance energy efficiency improvements. 

Keystone HELP® is Pennsylvania's Special Financing Program for Energy Efficient Home Improvements. Keystone HELP® helps homeowners in Pennsylvania find ways to reduce their home's energy usage affordably. With a low rate PowerSaver loan you can reduce your energy costs, as well as improve your family's comfort inside your home. 

Get New, Energy Efficient Heating & Cooling for as Low as $60* per Month!

Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan.

Special Features of a Keystone HELP® Loan:

• True Fixed Rate, Unsecured Loans up to $15,000
• 3, 5, or 10 Year Terms
• 100% Financing Available
• No Points, Fees or Costs, No Pre-Payment Penalties
• New Homeowners Eligible
• No Home Equity Required, No Lien Filed on Home
• Contractor Paid Directly Upon Satisfactory Completion

Getting Started: Simple Steps

Step One: Apply Online

• Apply Online, through your Keystone HELP® Approved Contractor, or over the phone at 888-232-3477.
• If you do not have a Keystone HELP® Approved Contractor selected, please find one using our online Find A Contractor search.

Step Two: Get An Estimate:

• Get an estimate for qualifying improvements from your Approved Contractor and sign the Keystone HELP® Specification Sheet, provided by your Approved Contractor, which will provide include the details of the qualifying improvements.

Step Three: We Pay The Contractor

• Sign the Keystone HELP® Loan Agreement, and auto-payment authorization forms provided to you.
  
• When the work is done to your satisfaction, sign the Completion Certificate your Contractor will provide you.
• We'll call you to confirm and pay the contractor upon your authorization.
• Your True Fixed Rate monthly payments will typically begin 30 days from the date in which we paid the Contractor.

Pennsylvania Energy Efficient Solar Financing Options

PowerSaver/Renovate and Repair Loan

• Secured Loans from $5,000 to $35,000
  
• 10, 15 or 20 Year Terms as low as 6.375%
  
• Up to 120% of Your Home’s Value, 2nd or 3rd Lien
  
• Most ENERGY STAR & Many Other Improvements Eligible
• Best of all, AFC First takes care of the details,  including sending a closing agent to your customer’s home to take care of the paperwork

Ask About Special 2.99% Financing for
Whole House Energy Improvements
Home Performance with ENERGY STAR

Who is Eligible?

All homeowners in Pennsylvania who are making qualifying improvements to their home (1 to 2 unit primary residence on permanent foundation) are eligible. Good credit and the ability to repay are required; income level dependent upon program selected.

Pennsylvania homeowners can improve the energy efficiency of their homes with special Keystone HELP® financing for Solar PV & Solar Hot Water, as well as other Whole House Improvements using Home Performance with ENERGY STAR. 

• All installed equipment and material must be new.
• Loans are available only for projects initiated after the program’s effective date.
• An Eligible Applicant is permitted to participate in one Keystone HELP® loan program during each fiscal year, which is defined as the period from each July 1 until the following June 30. Eligible Applicants may apply for additional loans in future years, as long as the additional projects comply with the published guidelines current at the time of application.

What Improvements Can Be Financed?

To qualify for Keystone HELP® financing, improvements must meet either of the following: ENERGY STAR Equipment Loan, ADVANCED PERFORMANCE Equipment Loan, or the WHOLE HOUSE Loan, or Minimum Program Standards.

Qualifying Improvements for Energy Efficient Solar include:

• Solar Hot Water Systems
• Solar PV
• Sunrooms
• Please click on the button below for complete details on Qualifying Improvements, including efficiency levels and minimum program standards.

Who May Perform the Work?

Only AFC First Keystone HELP® Approved Contractors may perform the work. Approved Contractors have been reviewed for financial and ethical stability, and are authorized to perform work under the program. They are not agents of AFC First. All loans are made directly to the consumer. There are four different levels of contractors, as well as two different levels of Geothermal Contractors. 

Please click here for more information on the different levels of Approved Contractors.

How Do I Get a Keystone HELP® Loan?

Getting a Keystone HELP® loan is fast and easy:

• For fastest approval, customers should apply online, either directly or through your Approved Contractor. 
• You may also apply over the phone at 888-232-3477. 
• We'll have a quick decision on your application and will followup with the applicant in, typically, less than hour, during normal business hours.
• If you are ready to apply, but do not have a contractor selected, you may use our online Find A Contractor search feature to help find an Approved Contractor close to you.

JOIN THE 10,000+ PA HOMEOWNERS ENJOYING AFFORDABLE HOME COMFORT NOW

Questions? Ask your Keystone HELP® Approved Contractor, or call us at 1.888.232.3477

Only AFC FIRST APPROVED CONTRACTORS MAY PERFORM THE WORK.

*$60 monthly payment based on qualifying improvement cost of $5,000, 7.99% APR, 120-month term. Other amounts, rates and terms available. Subject to credit approval by AFC First Financial Corporation. Keystone HELP^® provides True Fixed Rate™ Financing from AFC First, that is principally supported by the PA Treasury Department, PA Department of Environmental Protection and the PA Housing Finance Agency.

Whole House Energy Improvements

Qualify for the lowest rates available to Pennsylvania Homeowners, 0.99% to 2.99%, when you elect to make Whole House Energy Improvements.

When you combine Air Sealing & Insulation with another energy saving home improvement you maximize your home's efficiency and save yourself more money.

Get Started Today!

Find the Program that Will Work for You:

Choose from the list below. 

• Financing Options 
  
• Southeastern Pennsylvania Homeowners 
  
• Available Only to Homeowners in: Bucks, Chester, Delaware, Montgomery and Philadelphia Conties

Air Sealing & Insulation

Home Drafty? Do You See Dollars Floating Up Into The Atmosphere?

• Truly applying proper Air Sealing & Insulation to your home is one of the most important things you can do to improve your home's space conditioning.
  

Don't Wait To Make This Vital Home Energy Improvement!

Find the Program that Will Work for You:

Choose from the list below. 

• Financing Options 
  
• Southeastern Pennsylvania Homeowners 
  
• Availble Only to Homeowners in: Bucks, Chester, Delaware, Montgomery and Philadelphia Conties

Keystone HELP® Financing for Windows & Doors

ENERGY STAR Windows & Doors can make all the difference to your home's comfort and efficiency! 

Enjoy extra savings as well as new advancements that include ease of operation by making this energy saving home improvement.

Keystone HELP® provides Pennsylvania Homeowners statewide with the most affordable way to finance energy saving home improvements. Begin saving money and energy today, and enjoy a more comfortable home. Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan. And you can pay it off at any time without penalty!

• You can finance 100% of your energy efficiency project if at least 75% is comprised of qualifing improvements shown below.
• Most types of Heating and Cooling qualify if they meet or exceed ENERGY STAR standards.
• Larger project such as Geothermal and Solar have financing options available to $35,000.
• Non-qualifying improvments may be eligible for AFC First's national EnergyLoan program at higher rate.

If you are a resident of Southeastern Pennsylvania (Bucks, Chester, Delaware, Montgomery or Philadelphia counties) you may qualify for even lower rates through the EnergyWorks program.

Financing Programs

WHOLE HOUSE UNSECURED LOAN Home Performance with ENERGYSTAR

Available for comprehensive whole house energy improvements which includes heating and cooling from $1,000 to $15,000.  An energy audit is required and all work must be performed by a Certified (BPI) Keystone HELP Contractor.

Program Details

• 2.99% APR True Fixed Rate Statewide
• 0.99% APR in Southeastern Pennsylvania through EnergyWorks
• From $1,000 to $15,000
• Up to Ten Year Term
• No Lien on Your Home
• Click Here to Apply Online
• Click Here to View a List of Qualifying Improvements  
  • NFRC label, U factor .30 or less
  • R-5 Windows or Low-e Storm Windows

Energy Audit

An energy audit is an inspection, survey and analysis of energy flows for energy conservation in your home.

• Prior to any other qualifying improvements, a BPI compliant Test–In is conducted by a Certified Keystone HELP Auditor/Contractor
• Blower door-directed air sealing of the home and ducts is performed, in accordance with ENERGY STAR recommended air sealing practices
• Program qualifying measures are installed
• A Test-Out is conducted

ADVANCED PERFORMANCE UNSECURED LOAN Single Measure

Available for comprehensive whole house energy improvements which includes heating and cooling from $1,000 to $15,000. An energy audit is not required and all work must be performed by an Approved Keystone HELP Contractor.

Program Details

• 7.99% APR True Fixed Rate Statewide
• 4.99% APR  in Southeastern Pennsylvania through EnergyWorks
• From $1,000 to $15,000
• Up to Ten Year Term
• No Lien on Your Home
• Click Here to Apply Online
• Click Here to View a List of Qualifying Improvements  
  • R-5 Windows or Low-e Storm Windows

ENERGY STAR UNSECURED LOAN

Available for installed Heating and Cooling (non-Whole House) which meets ENERGY STAR standards from $1,000 to $15,000. An energy audit is not required and all work must be performed by an Approved Keystone HELP Contractor.

Program Details

• 8.99% APR True Fixed Rate Statewide
• 5.99% APR  in Southeastern Pennsylvania through EnergyWorks
• From $1,000 to $15,000
• Up to Ten Year Term
• No Lien on Your Home
• Click Here to Apply Online
• Click Here to View a List of Qualifying Improvements  
  • NFRC label, U factor .30 or less

Keystone HELP® Financing for Heating & Cooling

• Home heating and cooling not getting the job done?

• Cold in the winter?

• Hot in the summer?

• Utility bills through the roof?

Fix These Problems with a Keystone HELP® Loan!

Keystone HELP® provides Pennsylvania Homeowners statewide with the most affordable way to finance energy saving home improvements. Begin saving money and energy today, and enjoy a more comfortable home. Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan. And you can pay it off at any time without penalty!

• You can finance 100% of your energy efficiency project if at least 75% is comprised of qualifing improvements shown below.
• Most types of Heating and Cooling qualify if they meet or exceed ENERGY STAR standards.
• Larger project such as Geothermal and Solar have financing options available to $35,000.
• Non-qualifying improvments may be eligible for AFC First's national EnergyLoan program at higher rate.

If you are a resident of Southeastern Pennsylvania (Bucks, Chester, Delaware, Montgomery or Philadelphia counties) you may qualify for even lower rates through the EnergyWorks program.

Financing Programs

WHOLE HOUSE IMPROVEMENTS UNSECURED LOAN
Home Performance with ENERGY STAR®

Available for comprehensive whole house energy improvements which includes heating and cooling from $1,000 to $15,000.  An energy audit is required and all work must be performed by a Certified (BPI) Keystone HELP Contractor.

• Click Here to Apply Online
• Click Here to View a List of Qualifying Improvements 
  • Air Source Heat Pumps  (Split Systems) SEER ≥14.5,  EER  ≥ 12,HSPF ≥  8.2
  • Source Heat Pump (Package Systems)  SEER ≥14.0,  EER  ≥ 11.0,HSPF ≥  8.0
  • Central AC System Split Systems  SEER ≥ 14.5, EER  ≥ 12.0
  • Central AC Package Systems  SEER ≥ 14.0,  EER  ≥ 11.0
  • Boilers (All Fuels) AFUE ≥ 85
  • Furnaces (Natural Gas or Propane) AFUE ≥ 95
  • Furnaces (Oil) AFUE ≥ 85
  • Indoor solid fuel burning furnaces (wood, coal) AFUE≥78%
  • Water Heaters to ENERGYSTAR standard

Energy Audit

An energy audit is an inspection, survey and analysis of energy flows for energy conservation in your home.

• Prior to any other qualifying improvements, a BPI compliant Test–In is conducted by a Certified Keystone HELP Auditor/Contractor
• Blower door-directed air sealing of the home and ducts is performed, in accordance with ENERGY STAR recommended air sealing practices
• Program qualifying measures are installed
• A Test-Out is conducted

ADVANCED PERFORMANCE UNSECURED LOAN
Single-Measure Installed Improvements

Available for comprehensive whole house energy improvements which includes heating and cooling from $1,000 to $15,000. An energy audit is not required and all work must be performed by an Approved Keystone HELP Contractor.

Program Details

• 7.99% APR True Fixed Rate Statewide
• 4.99% APR  in Southeastern Pennsylvania through EnergyWorks
• From $1,000 to $15,000
• Up to Ten Year Term
• No Lien on Your Home
• Click Here to Apply Online
• Click Here to View a List of Qualifying Improvements 
  • Air Source Heat Pump (Split Systems) SEER ≥15.0, EER ≥ 12.5,HSPF ≥ 8.5
  • Air Source Heat Pump (Package Systems) SEER ≥ 14.0, EER ≥ 12.0, HSPF ≥ 8.0
  • Central AC System Split Systems SEER ≥ 16.0, EER ≥ 13.0
  • Central AC Package SystemsSEER ≥14.0, EER ≥ 12.0
  • Boilers (Natural Gas, Oil or Propane) AFUE ≥ 90
  • Furnaces (Natural Gas or Propane) AFUE ≥ 96
  • Furnaces (Oil) AFUE ≥ 90
  • Water Heater (Gas, Oil or Propane): Energy Factor ≥ 0.82 or thermal efficiency ≥ 90%
  • Water Heater (Electric Heat Pump): Energy Factor ≥ 2.0

ENERGY STAR® UNSECURED LOAN
Single-Measure Installed Improvements

This program offers a True Fixed Rate of 8.99%, which is available to all Pennsylvania homeowners. If you live in Southeastern Pennsylvania you may qualify for an even lower rate of 5.99% through the EnergyWorks program. Financing is available from $1,000 to $15,000 with terms of up to 10 years. These loans are unsecured, which means there is no lien filed against your home, and there is no home equity required. New homeowners are eligible, and there are no points, fees, or costs. Even better, there are no pre-payment penalties, enabling you to pay a loan off early, should you choose. The Maximum Household Income Limit is $250,000.

Get Started Today!

• 1. Click Here to Apply Online
• 2. Find A Contractor Near You
• 3. Click Here to View a List of Qualifying Improvements  
  • Air Source Heat Pumps  (Split Systems) SEER ≥14.5,  EER  ≥ 12,HSPF ≥  8.2
  • Source Heat Pump (Package Systems)  SEER ≥14.0,  EER  ≥ 11.0,HSPF ≥  8.0
  • Central AC System Split Systems  SEER ≥ 14.5, EER  ≥ 12.0
  • Central AC Package Systems  SEER ≥ 14.0,  EER  ≥ 11.0
  • Boilers (All Fuels) AFUE ≥ 85
  • Furnaces (Natural Gas or Propane) AFUE ≥ 95
  • Furnaces (Oil) AFUE ≥ 85
  • Indoor solid fuel burning furnaces (wood, coal) AFUE≥78%
  • Water Heaters to ENERGY STAR standard

True Fixed Rate Financing for Energy Efficient Geothermal Heat Pump Systems!

Learn how a special, low rate loan from Pennsylvania’s Keystone HELP® can help you finance energy efficiency improvements. 

Keystone HELP® is Pennsylvania's Special Financing Program for Energy Efficient Home Improvements. Keystone HELP® helps homeowners in Pennsylvania find ways to reduce their home's energy usage affordably. With a low rate PowerSaver loan you can reduce your energy costs, as well as improve your family's comfort inside your home. 

Get New, Energy Efficient Geothermal for as Low as $159* per Month!

Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan.

Special Features of a Keystone HELP® Loan:

• True Fixed Rate, Unsecured Loans up to $15,000
• 3, 5, or 10 Year Terms
• 100% Financing Available
• No Points, Fees or Costs, No Pre-Payment Penalties
• New Homeowners Eligible
• No Home Equity Required, No Lien Filed on Home
• Contractor Paid Directly Upon Satisfactory Completion

Getting Started: Simple Steps

Step One: Apply Online

• Apply Online, through your Keystone HELP® Approved Contractor, or over the phone at 888-232-3477.
• If you do not have a Keystone HELP® Approved Contractor selected, please find one using our online Find A Contractor search.

Step Two: Get An Estimate:

• Get an estimate for qualifying improvements from your Approved Contractor and sign the Keystone HELP® Specification Sheet, provided by your Approved Contractor, which will provide include the details of the qualifying improvements.

Step Three: We Pay The Contractor

• Sign the Keystone HELP® Loan Agreement, and auto-payment authorization forms provided to you.
  
• When the work is done to your satisfaction, sign the Completion Certificate your Contractor will provide you.
• We'll call you to confirm and pay the contractor upon your authorization.
• Your True Fixed Rate monthly payments will typically begin 30 days from the date in which we paid the Contractor.

Pennsylvania Energy Efficient Geothermal Financing Options

Geothermal Unsecured Loan
Optional Tax Credit Anticipation Loan Available

• True Fixed Rate, Unsecured Loans from $1,000 to $15,000
• 3, 5, or 10 Year Terms from 4.99%

Other Financing Options:

PowerSaver/Whole House Loan
with Geothermal

• Secured Loans from $5,000 to $35,000
  
• 10, 15 or 20 Year Terms from 2.875%
  
• Up to 120% of Your Home’s Value, 2nd or 3rd Lien
  
• Most ENERGY STAR & Many Other Improvements Eligible

PowerSaver/Renovate and Repair Loan
with Geothermal

• Secured Loans from $5,000 to $35,000
  
• 10, 15 or 20 Year Terms as low as 6.375%
  
• Up to 120% of Your Home’s Value, 2nd or 3rd Lien
  
• Most ENERGY STAR & Many Other Improvements Eligible

Who is Eligible?

All homeowners in Pennsylvania who are making qualifying improvements to their home (1 to 2 unit primary residence on permanent foundation) are eligible. Good credit and the ability to repay are required; income level dependent upon program selected.

Pennsylvania homeowners can improve the energy efficiency of their homes with special Keystone HELP® financing for Geothermal Systems and other Whole House Improvements using Home Performance with ENERGY STAR. 

• All installed equipment and material must be new.
• Loans are available only for projects initiated after the program’s effective date.
• An Eligible Applicant is permitted to participate in one Keystone HELP® loan program during each fiscal year, which is defined as the period from each July 1 until the following June 30. Eligible Applicants may apply for additional loans in future years, as long as the additional projects comply with the published guidelines current at the time of application.

What Improvements Can Be Financed?

To qualify for Keystone HELP® financing, improvements must meet either of the following: ENERGY STAR Equipment Loan, ADVANCED PERFORMANCE Equipment Loan, or the WHOLE HOUSE Loan, or Minimum Program Standards.

Qualifying Improvements for Heating & Cooling include:

• Air Source Heat Pump Systems
• Central AC Systems
• Boilers
• Furnaces
• Water Heaters, Electric Heat Pumps
• Indoor solid fuel burning furnaces
• Please click on the button below for complete details on Qualifying Improvements, including efficiency levels and minimum program standards.

Who May Perform the Work?

Only AFC First Keystone HELP® Approved Contractors may perform the work. Approved Contractors have been reviewed for financial and ethical stability, and are authorized to perform work under the program. They are not agents of AFC First. All loans are made directly to the consumer. There are four different levels of contractors, as well as two different levels of Geothermal Contractors. 

Please click here for more information on the different levels of Approved Contractors.

How Do I Get a Keystone HELP® Loan?

Getting a Keystone HELP® loan is fast and easy:

• For fastest approval, customers should apply online, either directly or through your Approved Contractor. 
• You may also apply over the phone at 888-232-3477. 
• We'll have a quick decision on your application and will followup with the applicant in, typically, less than hour, during normal business hours.
• If you are ready to apply, but do not have a contractor selected, you may use our online Find A Contractor search feature to help find an Approved Contractor close to you.

JOIN THE 10,000+ PA HOMEOWNERS ENJOYING AFFORDABLE HOME COMFORT NOW

Questions? Ask your Keystone HELP® Approved Contractor, or call us at 1.888.232.3477

Only AFC FIRST APPROVED CONTRACTORS MAY PERFORM THE WORK.

*$$159 monthly payment for first year based on qualifying improvement cost of $25,000. Financing of $15,000, 4.99% APR, 120-month term and Optional Additional Tax Credit Anticpation Loan for $10,000 with no payments or interest for 12 months, 14.99% thereafter. Other amounts, rates and terms available. Subject to credit approval by AFC First Financial Corporation. Keystone HELP^® provides True Fixed Rate™ Financing from AFC First, that is principally supported by the PA Treasury Department, PA Department of Environmental Protection and the PA Housing Finance Agency.

Special 5.99% Financing for Energy Efficient Windows & Doors is Now Available in Southeastern Pennsylvania!

Learn how a special, low rate EnergyWorks loan from Pennsylvania’s Keystone HELP® can help you finance energy efficiency improvements. 

EnergyWorks is a comprehensive energy solutions program for homeowners. EnergyWorks helps residents of Southeastern Pennsylvania find ways to reduce their home's energy usage affordably. EnergyWorks has partnered with Keystone HELP®, Pennsylvania's special financing program for energy efficient home improvements, to offer special lower interest rates for qualifying homeowners in Southeastern Pennsylvania.

Get New, Energy Efficient Windows & Doors for as Low as $56* per Month!

Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan.

Getting Started: Simple Steps

Step One: Choose A Qualifying Improvement

• Completing a home energy assessment and making energy renovations to your entire home gives you the greatest value and benefits, but every little bit helps. If you’re not ready to do a complete home energy overhaul, doing an individual project (like installing insulation or a more energy efficient furnace or boiler) is a great start. Decide what improvement you would like to make, if you are unsure, consult with your Approved Contractor.

Step Two: Find A Contractor

• Get an estimate for qualifying improvements from your participating EnergyWorks Contractor. If you do not have an Approved Contractor selected, please find one using our online Find A Contractor search.

Step Three: Finance Your Improvement

• Apply Online, through your Keystone HELP® Approved Contractor, or over the phone at 888-232-3477. We’ll have a quick approval and pay the contractor when the work is completed to your satisfaction.

Southeastern PA Windows & Doors Financing Options

ENERGY STAR Installed Equipment

• True Fixed Rate, Unsecured Loans from $1,000 to $15,000
• 3, 5, or 10 Year Terms at 4.99% or 5.99%
• $250,000 Maximum Household Income Limit
• No Energy Audit Required
• Available Only to Qualifying Homeowners in Bucks, Chester,
  Delaware, Montgomery & Philadelphia counties

Other Financing Options:

PowerSaver/Renovate and Repair Loan

• Secured Loans from $5,000 to $35,000
  
• 10, 15 or 20 Year Terms as low as 6.375%
  
• Up to 120% of Your Home’s Value, 2nd or 3rd Lien
  
• Most ENERGY STAR & Many Other Improvements Eligible

Ask About Special 0.99% Financing for
Whole House Energy Improvements
Home Performance with ENERGY STAR

Who is Eligible?

Homeowners in Bucks, Chester, Delaware, Montgomery and Philadelphia counties can take advantage of these special lower rate financing program for energy efficiency improvements.

Southeastern Pennsylvania homeowners who are making qualifying improvements to their home (1 to 2 unit primary residence on permanent foundation) are eligible. Good credit and the ability to repay are required; income level dependent upon program selected.

Pennsylvania homeowners can improve the energy efficiency of their homes with special Keystone HELP® and EnergyWorks financing for Windows & Doors and other Whole House Improvements using Home Performance with ENERGY STAR. 

• All installed equipment and material must be new.
• Loans are available only for projects initiated after the program’s effective date.
• An Eligible Applicant is permitted to participate in one Keystone HELP® loan program during each fiscal year, which is defined as the period from each July 1 until the following June 30. Eligible Applicants may apply for additional loans in future years, as long as the additional projects comply with the published guidelines current at the time of application.

What Improvements Can Be Financed?

To qualify for Keystone HELP® financing, improvements must fall under either the ENERGY STAR Equipment Loan, ADVANCED PERFORMANCE Equipment Loan, or the WHOLE HOUSE Loan. Details on Qualifying Improvements can be found below. This includes efficiency levels, and minimum program standards.

Qualifying Improvements for Windows & Doors include:

• Windows
• Storm Windows
• Doors
• Please click on the button below for complete details on Qualifying Improvements.

Who May Perform the Work?

Only AFC First Keystone HELP® Approved Contractors may perform the work. Approved Contractors have been reviewed for financial and ethical stability, and are authorized to perform work under the program. They are not agents of AFC First. All loans are made directly to the consumer. There are four different levels of contractors, as well as two different levels of Geothermal Contractors. 

Please click here for more information on the different levels of Approved Contractors.

How Do I Get a Keystone HELP® Loan?

Getting a Keystone HELP® loan is fast and easy:

• For fastest approval, customers should apply online, either directly or through your Approved Contractor. 
• You may also apply over the phone at 888-232-3477. 
• We'll have a quick decision on your application and will followup with the applicant in, typically, less than hour, during normal business hours.
• If you are ready to apply, but do not have a contractor selected, you may use our online Find A Contractor search feature to help find an Approved Contractor close to you.

JOIN THE 10,000+ PA HOMEOWNERS ENJOYING AFFORDABLE HOME COMFORT NOW

Questions? Ask your Keystone HELP® Approved Contractor, or call us at 1.888.232.3477

Only AFC FIRST APPROVED CONTRACTORS MAY PERFORM THE WORK.

*$27 monthly payment based on qualifying improvement cost of $5,000, 5.99% APR, 120-month term. Other amounts, rates and terms available. Subject to credit approval by AFC First Financial Corporation. Keystone HELP^® provides True Fixed Rate™ Financing from AFC First, that is principally supported by the PA Treasury Department, PA Department of Environmental Protection and the PA Housing Finance Agency. EnergyWorks is a U..S. Department of Energy Better Buildings Program.

True Fixed Rate Financing for Energy Efficient Whole House Energy Improvements!

Learn how a special, low rate loan from Pennsylvania’s Keystone HELP® can help you finance energy efficiency improvements. 

Keystone HELP® is Pennsylvania's Special Financing Program for Energy Efficient Home Improvements. Keystone HELP® helps homeowners in Pennsylvania find ways to reduce their home's energy usage affordably. With a low rate PowerSaver loan you can reduce your energy costs, as well as improve your family's comfort inside your home. 

Get New, Energy Efficient Whole House Improvements for as Low as $97* per Month!

Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan.

What are Whole House Energy Improvements?

The best way to save money and energy and increase your home's comfort is to do two simple steps before you install new heating, cooling, or windows. If you are looking to finance a single energy saving improvement, you may also qualify for a special lower rate financing option. In order to qualify, you must have the following items performed as part of your improvement project:

• Have a BPI Certified Professional test your home to find if it is "leaking" any heating or cooling.
• Seal those leaks and make sure your insulation is up to standards.

Special Features of a Keystone HELP® Loan:

• True Fixed Rate, Unsecured Loans up to $15,000
• 3, 5, or 10 Year Terms
• 100% Financing Available
• No Points, Fees or Costs, No Pre-Payment Penalties
• New Homeowners Eligible
• No Lien Filed on Home
• Contractor Paid Directly Upon Satisfactory Completion

Getting Started: Simple Steps

Step One: Apply Online

• Apply Online, through your Keystone HELP® Approved Contractor, or over the phone at 888-232-3477.
• If you do not have a Keystone HELP® Approved Contractor selected, please find one using our online Find A Contractor search.

Step Two: Get An Estimate:

• Have a pre-construction Energy Audit with Blower Door Test, conducted to BPI standards, performed by a Certified Contractor or Certified Energy Auditor.
• Get an estimate for selected qualifying improvements from a Certified Contractor or a Trained Contractor working under the supervision of a Certified Energy Auditor, and sign the Keystone HELP® Specification Sheet, provided by your Approved Contractor, which will provide include the details of the qualifying improvements.

Step Three: We Take Care of the Details & Pay The Contractor

• Complete the CAPP Checklist with your Contractor
• Sign the Keystone HELP® Loan Agreement, and auto-payment authorization forms provided to you.
• A Certified Contractor or Certified Energy Auditor will conduct a post-construction Energy Audit with Blower Door Test to confirm energy improvements.
• When the work is done to your satisfaction, sign the Completion Certificate your Contractor will provide you.
• We'll call you to confirm and pay the contractor upon your authorization.
• Your True Fixed Rate monthly payments will typically begin 30 days from the date in which we paid the Contractor.

Pennsylvania Whole House Energy Improvements Financing Options

Whole House Energy Improvements
with Air Sealing & Insulation

• True Fixed Rate, Unsecured Loans from $1,000 to $15,000
• 3, 5, or 10 Year Terms from 2.99%/li>
• $250,000 Maximum Household Income Limit
• BPI Energy Audit Required

Other Financing Options:

PowerSaver/Whole House Secured Loan

• Secured Loans from $5,000 to $35,000
  
• 10, 15 or 20 Year Terms as low as 3.875%
  
• Up to 120% of Your Home’s Value, 2nd or 3rd Lien
  
• Most Energy Improvements Eligible

Who is Eligible?

All homeowners in Pennsylvania who are making qualifying improvements to their primary residence (1 to 2 unit primary residence on permanent foundation) are eligible. Good credit and the ability to repay are required; income level dependent upon program selected.

Pennsylvania homeowners can improve the energy efficiency of their homes with special Keystone HELP® financing for Whole House and other Energy Efficient Home Improvements using Home Performance with ENERGY STAR. 

• All installed equipment and material must be new.
• Loans are available only for projects initiated after the program’s effective date.
• An Eligible Applicant is permitted to participate in one Keystone HELP® loan program during each fiscal year, which is defined as the period from each July 1 until the following June 30. Eligible Applicants may apply for additional loans in future years, as long as the additional projects comply with the published guidelines current at the time of application.

What Improvements Can Be Financed?

To qualify for Keystone HELP® financing, improvements must fall under either the ENERGY STAR Equipment Loan, ADVANCED PERFORMANCE Equipment Loan, or the WHOLE HOUSE Loan. Details on Qualifying Improvements can be found below. This includes efficiency levels, and minimum program standards.

Qualifying Improvements and Program Process for Whole House Energy Improvements:

• Prior to any other qualifying improvements, a BPI compliant Test–In is conducted by a Certified Keystone HELP® Auditor/Contractor.
• Blower door-directed air sealing of the home and ducts is performed, in accordance with ENERGY STAR recommended air sealing practices
• Program qualifying measures are installed. These measures can include: Heating & Cooling, Windows & Doors, or other energy-saving home improvements as outlined in the program requirements below.
• A Test-Out is conducted
• Please click on the button below for complete details on Qualifying Improvements.

Who May Perform the Work?

Only AFC First Keystone HELP® Approved Contractors may perform the work. Approved Contractors have been reviewed for financial and ethical stability, and are authorized to perform work under the program. They are not agents of AFC First. All loans are made directly to the consumer. There are four different levels of contractors, as well as two different levels of Geothermal Contractors. 

For Whole House Energy Improvements, the Energy Audit must be performed by a Certified Contractor. Trained Contractor's can perform installation work, but they must be working under the supervision of a Certified Energy Auditor, who will perform the Energy Audit.

Please click here for more information on the different levels of Approved Contractors.

How Do I Get a Keystone HELP® Loan?

Getting a Keystone HELP® loan is fast and easy:

• For fastest approval, customers should apply online, either directly or through your Approved Contractor. 
• You may also apply over the phone at 888-232-3477. 
• We'll have a quick decision on your application and will followup with the applicant in, typically, less than hour, during normal business hours.
• If you are ready to apply, but do not have a contractor selected, you may use our online Find A Contractor search feature to help find an Approved Contractor close to you.

JOIN THE 10,000+ PA HOMEOWNERS ENJOYING AFFORDABLE HOME COMFORT NOW

Questions? Ask your Keystone HELP® Approved Contractor, or call us at 1.888.232.3477

Only AFC FIRST APPROVED CONTRACTORS MAY PERFORM THE WORK.

*$97 monthly payment based on qualifying improvement cost of $10,000, 2.99% APR, 120-month term. Other amounts, rates and terms available. Subject to credit approval by AFC First Financial Corporation. Keystone HELP^® provides True Fixed Rate™ Financing from AFC First, that is principally supported by the PA Treasury Department, PA Department of Environmental Protection and the PA Housing Finance Agency.

True Fixed Rate Financing for Energy Efficient Windows & Doors!

Learn how a special, low rate loan from Pennsylvania’s Keystone HELP® can help you finance energy efficiency improvements. 

Keystone HELP® is Pennsylvania's Special Financing Program for Energy Efficient Home Improvements. Keystone HELP® helps homeowners in Pennsylvania find ways to reduce their home's energy usage affordably. With a low rate PowerSaver loan you can reduce your energy costs, as well as improve your family's comfort inside your home. 

Get New, Energy Efficient Windows & Doors for as Low as $63* per Month!

Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan.

Special Features of a Keystone HELP® Loan:

• True Fixed Rate, Unsecured Loans up to $15,000
• 3, 5, or 10 Year Terms
• 100% Financing Available
• No Points, Fees or Costs, No Pre-Payment Penalties
• New Homeowners Eligible
• No Home Equity Required, No Lien Filed on Home
• Contractor Paid Directly Upon Satisfactory Completion

Getting Started: Simple Steps

Step One: Apply Online

• Apply Online, through your Keystone HELP® Approved Contractor, or over the phone at 888-232-3477.
• If you do not have a Keystone HELP® Approved Contractor selected, please find one using our online Find A Contractor search.

Step Two: Get An Estimate:

• Get an estimate for qualifying improvements from your Approved Contractor and sign the Keystone HELP® Specification Sheet, provided by your Approved Contractor, which will provide include the details of the qualifying improvements.

Step Three: We Pay The Contractor

• Sign the Keystone HELP® Loan Agreement, and auto-payment authorization forms provided to you.
• When the work is done to your satisfaction, sign the Completion Certificate your Contractor will provide you.
• We'll call you to confirm and pay the contractor upon your authorization.
• Your True Fixed Rate monthly payments will typically begin 30 days from the date in which we paid the Contractor.

Pennsylvania Energy Efficient Windows & Doors Financing Options

ENERGY STAR Installed Equipment

• True Fixed Rate, Unsecured Loans from $1,000 to $15,000
• 3, 5, or 10 Year Terms at 7.99% or 8.99%
• $250,000 Maximum Household Income Limit
• No Energy Audit Required

Other Financing Options:

Non-ENERGY STAR Windows, Doors, Siding, Roofs

• Unsecured Loans up to $25,000
  
• 3, 5, 7 or 10 Year Terms from 12.99%
  
• No Restrictions on Household Income

PowerSaver/Renovate and Repair Loan

• Secured Loans from $5,000 to $35,000
  
• 10, 15 or 20 Year Terms as low as 6.375%
  
• Up to 120% of Your Home’s Value, 2nd or 3rd Lien
  
• Most ENERGY STAR & Many Other Improvements Eligible

Ask About Special 2.99% Financing for
Whole House Energy Improvements
Home Performance with ENERGY STAR

Who is Eligible?

All homeowners in Pennsylvania who are making qualifying improvements to their home (1 to 2 unit primary residence on permanent foundation) are eligible. Good credit and the ability to repay are required; income level dependent upon program selected.

Pennsylvania homeowners can improve the energy efficiency of their homes with special Keystone HELP® financing for Windows & Doors and other Whole House Improvements using Home Performance with ENERGY STAR. 

• All installed equipment and material must be new.
• Loans are available only for projects initiated after the program’s effective date.
• An Eligible Applicant is permitted to participate in one Keystone HELP® loan program during each fiscal year, which is defined as the period from each July 1 until the following June 30. Eligible Applicants may apply for additional loans in future years, as long as the additional projects comply with the published guidelines current at the time of application.

What Improvements Can Be Financed?

To qualify for Keystone HELP® financing, improvements must meet either of the following: ENERGY STAR Equipment Loan, ADVANCED PERFORMANCE Equipment Loan, or the WHOLE HOUSE Loan, or Minimum Program Standards.

Qualifying Improvements for Windows & Doors include:

• Windows
• Storm Windows
• Doors
• Please click on the button below for complete details on Qualifying Improvements, including efficiency levels and minimum program standards.

Who May Perform the Work?

Only AFC First Keystone HELP® Approved Contractors may perform the work. Approved Contractors have been reviewed for financial and ethical stability, and are authorized to perform work under the program. They are not agents of AFC First. All loans are made directly to the consumer. There are four different levels of contractors, as well as two different levels of Geothermal Contractors. 

Please click here for more information on the different levels of Approved Contractors.

How Do I Get a Keystone HELP® Loan?

Getting a Keystone HELP® loan is fast and easy:

• For fastest approval, customers should apply online, either directly or through your Approved Contractor. 
• You may also apply over the phone at 888-232-3477. 
• We'll have a quick decision on your application and will followup with the applicant in, typically, less than hour, during normal business hours.
• If you are ready to apply, but do not have a contractor selected, you may use our online Find A Contractor search feature to help find an Approved Contractor close to you.

JOIN THE 10,000+ PA HOMEOWNERS ENJOYING AFFORDABLE HOME COMFORT NOW

Questions? Ask your Keystone HELP® Approved Contractor, or call us at 1.888.232.3477

Only AFC FIRST APPROVED CONTRACTORS MAY PERFORM THE WORK.

*$63 monthly payment based on qualifying improvement cost of $5,000, 8.99% APR, 120-month term. Other amounts, rates and terms available. Subject to credit approval by AFC First Financial Corporation. Keystone HELP^® provides True Fixed Rate™ Financing from AFC First, that is principally supported by the PA Treasury Department, PA Department of Environmental Protection and the PA Housing Finance Agency.

Heating & Cooling: Statewide Program Overview

Getting Started: Simple Steps

Step One: Apply Online

• Apply Online, through your Keystone HELP® Approved Contractor, or over the phone at 888-232-3477.
• If you do not have a Keystone HELP® Approved Contractor selected, please find one using our online Find A Contractor search.

Step Two: Get An Estimate:

• Get an estimate for qualifying improvements from your Approved Contractor and sign the Keystone HELP® Specification Sheet, provided by your Approved Contractor, which will provide include the details of the qualifying improvements.

Step Three: We Pay The Contractor

• Sign the Keystone HELP® Loan Agreement, and auto-payment authorization forms provided to you.
  
• When the work is done to your satisfaction, sign the Completion Certificate your Contractor will provide you.
• We'll call you to confirm and pay the contractor upon your authorization.
• Your True Fixed Rate monthly payments will typically begin 30 days from the date in which we paid the Contractor.

Heating & Cooling: Financing Options

ENERGY STAR Installed Equipment

• True Fixed Rate, Unsecured Loans from $1,000 to $15,000
• 3, 5, or 10 Year Terms at 7.99% or 8.99%
• $250,000 Maximum Household Income Limit
• No Energy Audit Required

Other Financing Options:

Non-ENERGY STAR Installed Equipment

• Unsecured Loans up to $25,000
  
• 3, 5, 7 or 10 Year Terms from 12.99%
  
• No Restrictions on Household Income

PowerSaver/Renovate and Repair Loan

• Secured Loans from $5,000 to $35,000
  
• 10, 15 or 20 Year Terms as low as 6.375%
  
• Up to 120% of Your Home’s Value, 2nd or 3rd Lien
  
• Most ENERGY STAR & Many Other Improvements Eligible

Ask About Special 2.99% Financing for
Whole House Energy Improvements
Home Performance with ENERGY STAR

Who is Eligible?

All homeowners in Pennsylvania who are making qualifying improvements to their home (1 to 2 unit primary residence on permanent foundation) are eligible. Good credit and the ability to repay are required; income level dependent upon program selected.

Pennsylvania homeowners can improve the energy efficiency of their homes with special Keystone HELP® financing for Heating & Cooling Systems and other Whole House Improvements using Home Performance with ENERGY STAR. 

• All installed equipment and material must be new.
• Loans are available only for projects initiated after the program’s effective date.
• An Eligible Applicant is permitted to participate in one Keystone HELP® loan program during each fiscal year, which is defined as the period from each July 1 until the following June 30. Eligible Applicants may apply for additional loans in future years, as long as the additional projects comply with the published guidelines current at the time of application.

What Improvements Can Be Financed?

To qualify for Keystone HELP® financing, improvements must meet either of the following: ENERGY STAR Equipment Loan, ADVANCED PERFORMANCE Equipment Loan, or the WHOLE HOUSE Loan, or Minimum Program Standards.

Qualifying Improvements for Heating & Cooling include:

• Air Source Heat Pump Systems
• Central AC Systems
• Boilers
• Furnaces
• Water Heaters, Electric Heat Pumps
• Indoor solid fuel burning furnaces
• Please click on the button below for complete details on Qualifying Improvements, including efficiency levels and minimum program standards.

Who May Perform the Work?

Only AFC First Keystone HELP® Approved Contractors may perform the work. Approved Contractors have been reviewed for financial and ethical stability, and are authorized to perform work under the program. They are not agents of AFC First. All loans are made directly to the consumer. There are four different levels of contractors, as well as two different levels of Geothermal Contractors. 

Please click here for more information on the different levels of Approved Contractors.

How Do I Get a Keystone HELP® Loan?

Getting a Keystone HELP® loan is fast and easy:

• For fastest approval, customers should apply online, either directly or through your Approved Contractor. 
• You may also apply over the phone at 888-232-3477. 
• We'll have a quick decision on your application and will followup with the applicant in, typically, less than hour, during normal business hours.
• If you are ready to apply, but do not have a contractor selected, you may use our online Find A Contractor search feature to help find an Approved Contractor close to you.

JOIN THE 10,000+ PA HOMEOWNERS ENJOYING AFFORDABLE HOME COMFORT NOW

Questions? Ask your Keystone HELP® Approved Contractor, or call us at 1.888.232.3477

Only AFC FIRST APPROVED CONTRACTORS MAY PERFORM THE WORK.

*$60 monthly payment based on qualifying improvement cost of $5,000, 7.99% APR, 120-month term. Other amounts, rates and terms available. Subject to credit approval by AFC First Financial Corporation. Keystone HELP^® provides True Fixed Rate™ Financing from AFC First, that is principally supported by the PA Treasury Department, PA Department of Environmental Protection and the PA Housing Finance Agency.

True Fixed Rate Financing for Energy Efficient Air Sealing & Insulation!

Learn how a special, low rate loan from Pennsylvania’s Keystone HELP® can help you finance energy efficiency improvements. 

Keystone HELP® is Pennsylvania's Special Financing Program for Energy Efficient Home Improvements. Keystone HELP® helps homeowners in Pennsylvania find ways to reduce their home's energy usage affordably. With a low rate PowerSaver loan you can reduce your energy costs, as well as improve your family's comfort inside your home. 

Get New, Energy Efficient Air Sealing & Insulation for as Low as $30* per Month!

Keystone HELP® offers True Fixed Rate Financing, which means the rate of your loan will never change, and your low monthly payment will stay the same for the life of your loan.

Special Features of a Keystone HELP® Loan:

• True Fixed Rate, Unsecured Loans up to $15,000
• 3, 5, or 10 Year Terms
• 100% Financing Available
• No Points, Fees or Costs, No Pre-Payment Penalties
• New Homeowners Eligible
• No Home Equity Required, No Lien Filed on Home
• Contractor Paid Directly Upon Satisfactory Completion

Getting Started: Simple Steps

Step One: Apply Online

• Apply Online, through your Keystone HELP® Approved Contractor, or over the phone at 888-232-3477.
• If you do not have a Keystone HELP® Approved Contractor selected, please find one using our online Find A Contractor search.

Step Two: Get An Estimate:

• Get an estimate for qualifying improvements from your Approved Contractor and sign the Keystone HELP® Specification Sheet, provided by your Approved Contractor, which will provide include the details of the qualifying improvements.

Step Three: We Pay The Contractor

• Sign the Keystone HELP® Loan Agreement, and auto-payment authorization forms provided to you.
• When the work is done to your satisfaction, sign the Completion Certificate your Contractor will provide you.
• We'll call you to confirm and pay the contractor upon your authorization.
• Your True Fixed Rate monthly payments will typically begin 30 days from the date in which we paid the Contractor.

Pennsylvania Energy Efficient Air Sealing & Insulation Financing Options

ENERGY STAR Installed Equipment

• True Fixed Rate, Unsecured Loans from $1,000 to $15,000
• 3, 5, or 10 Year Terms at 7.99% or 8.99%
• $250,000 Maximum Household Income Limit
• No Energy Audit Required 

Other Financing Options:

PowerSaver/Renovate and Repair Loan

• Secured Loans from $5,000 to $35,000
  
• 10, 15 or 20 Year Terms as low as 6.375%
  
• Up to 120% of Your Home’s Value, 2nd or 3rd Lien
  
• Most ENERGY STAR & Many Other Improvements Eligible

Ask About Special 2.99% Financing for
Whole House Energy Improvements
Home Performance with ENERGY STAR

Who is Eligible?

All homeowners in Pennsylvania who are making qualifying improvements to their home (1 to 2 unit primary residence on permanent foundation) are eligible. Good credit and the ability to repay are required; income level dependent upon program selected.

Pennsylvania homeowners can improve the energy efficiency of their homes with special Keystone HELP® financing for Air Sealing & Insulation and other Whole House Improvements using Home Performance with ENERGY STAR. 

• All installed equipment and material must be new.
• Loans are available only for projects initiated after the program’s effective date.
• An Eligible Applicant is permitted to participate in one Keystone HELP® loan program during each fiscal year, which is defined as the period from each July 1 until the following June 30. Eligible Applicants may apply for additional loans in future years, as long as the additional projects comply with the published guidelines current at the time of application.

What Improvements Can Be Financed?

To qualify for Keystone HELP® financing, improvements must fall under either the ENERGY STAR Equipment Loan, ADVANCED PERFORMANCE Equipment Loan, or the WHOLE HOUSE Loan. Details on Qualifying Improvements can be found below. This includes efficiency levels, and minimum program standards.

Qualifying Improvements for Air Sealing & Insulation include:

• Air Sealing of the Home and Ducts
• Floor, Wall and Ceiling Insulation
• Please click on the button below for complete details on Qualifying Improvements.

Who May Perform the Work?

Only AFC First Keystone HELP® Approved Contractors may perform the work. Approved Contractors have been reviewed for financial and ethical stability, and are authorized to perform work under the program. They are not agents of AFC First. All loans are made directly to the consumer. There are four different levels of contractors, as well as two different levels of Geothermal Contractors. 

Please click here for more information on the different levels of Approved Contractors.

How Do I Get a Keystone HELP® Loan?

Getting a Keystone HELP® loan is fast and easy:

• For fastest approval, customers should apply online, either directly or through your Approved Contractor. 
• You may also apply over the phone at 888-232-3477. 
• We'll have a quick decision on your application and will followup with the applicant in, typically, less than hour, during normal business hours.
• If you are ready to apply, but do not have a contractor selected, you may use our online Find A Contractor search feature to help find an Approved Contractor close to you.

JOIN THE 10,000+ PA HOMEOWNERS ENJOYING AFFORDABLE HOME COMFORT NOW

Questions? Ask your Keystone HELP® Approved Contractor, or call us at 1.888.232.3477

Only AFC FIRST APPROVED CONTRACTORS MAY PERFORM THE WORK.

*$30 monthly payment based on qualifying improvement cost of $2,500, 7.99% APR, 120-month term. Other amounts, rates and terms available. Subject to credit approval by AFC First Financial Corporation. Keystone HELP^® provides True Fixed Rate™ Financing from AFC First, that is principally supported by the PA Treasury Department, PA Department of Environmental Protection and the PA Housing Finance Agency.

Form & Guideline Downloads

• Keystone HELP Overview and Program Guidelines (38 pages)
  
• EnergyWorks Overview and Program Guidelines (April 2013 - NEW, 8 pages)
  
• Keystone HELP Geothermal Program Guidelines
• CAPP Checklist and Utility Bill Analysis (5 pages)
  
• Keystone HELP BallPark Monthly Payment Chart
  
• Keystone HELP Installation Specification Sheet (must accompany your contract with customer)
• Direct Deposit (ACH) Form
  
• Keystone HELP Loan Application
  

Special Pennsylvania State Financing Program for Natural Gas Conversions & Energy Efficiency Home Improvements

• Heating & Cooling Systems

• UGI Gas Service Line Connection

• Air Sealing & Insulation

• Whole House Home Performance with ENERGY STAR®

• Other Energy Saving Improvement

With Keystone HELP (Home Energy Loan Program), most Pennsylvania homeowners who meet the program’s eligibility guidelines can get a low cost loan for ENERGY STAR rated and high efficiency heating, air conditioning, gas conversions, air sealing, insulation, and “whole house” improvements using Home Performance with ENERGY STAR. These special loan terms can help you save thousands of dollars over the life of your loan, further enhancing the financial impact of your energy savings and minimizing out of pocket costs.

Customers converting to natural gas with UGI can do so with No Out of Pocket Cost for Gas Conversions! 

• Any UGI gas service line installation contribution must be financed in conjunction with a qualified natural gas equipment installation. 
  
• Please click here to view our brochure for full program details and rates.
  

How Do I Get a Keystone HELP® Loan?

• Get an esimate for qualifying improvement from your Keystone HELP/AFC First Approved Contractor. 
  
• For fastest approval click here to apply online or apply by phone at (888) 232-3477. 
  
• We’ll have a quick decision on your application and answer any questions you may have. 
  
• We pay the Contractor, and if applicable UGI, directly when the work is done to your satisfaction. 

How to Confirm Qualifying Improvements for Keystone HELP Loans

The Approved Contractor is responsible for providing verification of qualifying equipment. You may find the detailed information on qualifying makes and model by following the links below. If you need assistance in navigating the sites please contact us a (610) 433-7486. Information may also be available from your manufacturer or distributor.

Boilers

• Please provide us with a printout from energystar.gov which confirms your installation is a qualifying make and model under Keystone HELP standards. Can be found under "Find a Product" at: Boilers at energystar.gov 

Furnaces

• Please provide us with a printout from energystar.gov which confirms your installation is a qualifying make and model under Keystone HELP standards. Can be found under "Find a Product" at: Furnaces at energystar.gov 

Central Air / Heat Pumps

• Please provide us with a printout from CEE/AHRI which confirms your installation is a qualifying make and model under Keystone HELP standards. Can be found at: Central Air, Heat Pumps at CEE/AHRI Database 

Geothermal

• Please provide us with a printout from CEE/AHRI which confirms your installation is a qualifying make and model under Keystone HELP standards. Can be found under "Find a Product" at: Geothermal at energystar.gov 

Water Heaters

• Please provide us with a printout from energystar.gov which confirms your installation is a qualifying make and model under Keystone HELP standards. Can be found under "Find a Product" at: Water Heaters at energystar.gov 
  (Solar Thermal Not Applicable under Keystone HELP, eligible under Standard EnergyLoan)

Windows / Doors

• Please provide us a copy of the NFRC label (U factor .35 or less) which confirms your installation is a qualifying make and model. This label is available from your manufacturer or can be found using the NFRC website: Windows & Doors at nfrc.org 

Air Sealing Insulation

• Please Provide us with a Certification from the Contractor (on the customer’s contract or in a separate letter) that the house has been air sealed to Energy Star recommendations and that insulation levels meet Keystone HELP program guidelines. 
  Can be found at: Air Sealing & Insulation at energystar.gov 

Getting Started

Getting Started: Simple Steps

Step One: Apply Online

• Apply Online, through your Keystone HELP® Approved Contractor, or over the phone at 888-232-3477.
• If you do not have a Keystone HELP® Approved Contractor selected, please find one using our online Find A Contractor search.

Step Two: Get An Estimate:

• Get an estimate for qualifying improvements from your Approved Contractor and sign the Keystone HELP® Specification Sheet, provided by your Approved Contractor, which will provide include the details of the qualifying improvements.

Step Three: We Pay The Contractor

• Sign the Keystone HELP® Loan Agreement, and auto-payment authorization forms provided to you.
  
• When the work is done to your satisfaction, sign the Completion Certificate your Contractor will provide you.
• We'll call you to confirm and pay the contractor upon your authorization.
• Your True Fixed Rate monthly payments will typically begin 30 days from the date in which we paid the Contractor.

What is Keystone HELP®?

Keystone HELP®, or the Keystone Home Energy Loan Program, is Pennsylvania's Special Financing Program for Energy Efficient Home Improvements. This program is principally supported by the Pennsylvania Treasury Department, PA Department of Environmental Protection, and the Pennsylvania Housing Finance Agency. Keystone HELP® offers low-rate loans to help make affordable energy efficiency home improvements available to all eligible Pennsylvania homeowners. Keystone HELP® is administered by AFC First Financial Corporation, a Pennsylvania energy efficiency lender.

Keystone HELP® loans are fast and simple. Most loan applications are approved within hours, with your AFC First Approved Contractor paid immediately upon satisfactory completion of the job.

Keystone HELP® loans offer:

• Special, low interest rates locked in for the life of the loan
• Longer terms and lower rates than typically available
• No penalty for pre-payment

Who is Eligible?

Pennsylvania homeowners who own and are making qualifying improvements to their 1 to 2 unit primary residence located in Pennsylvania are eligible. Good credit and the ability to repay are required; a maximum income limit may apply.

• Click Here For Information On Loans For Energy Efficiency Improvements 
• Click Here For Information On Loans For Geothermal Heat Pump Systems 

PowerSaver Loan

KeystoneHELP® is part of the PowerSaver Loan program. AFC First is a HUD Approved FHA PowerSaver Lender. Through the PowerSaver Loan program, homeowners are encouraged to utilize a Whole House Energy Audit to determine the best course of action for improving the efficiency in your home, and making energy-saving home improvements. 

Keystone HELP® Contact Information

AFC First Financial Corporation
AFC First Energy Center 
1005 Brookside Road 
P.O. Box 3558
Allentown, PA 18106

Online

www.afcfirst.com
www.keystonehelp.com
www.energyloan.net

Phone & Fax

Staff Directory 

Click here to download this staff list as a printable card (PDF)

Peter Krajsa   
Chairman & CEO
pkrajsa@afcfirst.com
(610)-433-7486 ext 2685

John Hayes
President & COO
jhayes@afcfirst.com  
(610)-433-7486 ext 2683

Ken Yeager
Vice President of Business Development
kyeager@afcfirst.com  
(410) 641-5170

Julie Unger
Vice President of Operations
junger@afcfirst.com  
(610)-433-7486 ext 2691

Tessa Shin
Director of Home Performance & Renovation Lending
tshin@afcfirst.com  
(610)-433-7486 ext 2692

Laura Nelson
Chief Financial Officer
lnelson@afcfirst.com  
(610)-433-7486 ext 2696

Andrew Greenspan
Business Development Manager
agreenspan@afcfirst.com  
(610) 597-1937

Bob Groegler
Business Development Manager
rgroegler@afcfirst.com  
(610) 393-3341

Susan Moring
Marketing Manager
smoring@afcfirst.com  
(610)-433-7486 ext 2687

Valerie Berdahl
Business Development Coordinator
vberdahl@afcfirst.com  
(610)-433-7486 ext 2722

Become an Approved Contractor

AFC First seeks to build mutually beneficial relationships with high quality contractors in the energy efficiency industry. A high quality of work, a commitment to customer service, financial stability and personal integrity are the characteristics we value in an Approved Contractor.

Approved AFC First Keystone HELP Contractors are authorized to perform work under this program. They are not agents of AFC First Financial Corporation.

Our goal is to provide you and your customers with the best and most simple financing program available.

• Download Approved Contractor Application with Direct Deposit Form attached (PDF)
  
• Direct Deposit Authorization Form (PDF)
  

Marketing & Sales Tools for Approved Contractors

Please contact our Marketing Manager, Susan Moring (smoring@afcfirst.com) with any questions regarding marketing.

Keystone HELP Consumer Brochure

Click here to download this brochure (PDF) 

Keystone HELP Bookmark with Monthly Payment Charts

Designed to be printed at 2" x 7.25", double-sided. You can print this on your color copier or favorite quick printer and cut to proper size. Please contact us about larger quantities or custom marketing pieces.

Click here to download this bookmark (PDF)

AFC First Monthly Payment Labels

Use these labels as a sales tool for customers. You can write in the estimated monthly payment for a customer, and stick the label right on your job proposal when you hand it to them. Designed to be printed on Avery 5160 label sheets on your color copier.

Click here to download this as a sheet of 30 labels (PDF)

Keystone HELP® Logo

Use the Keystone HELP® logo to showcase your status as an Approved Contractor for this exclusive program. The Keystone HELP® logo and name are registered marks of AFC First Financial Corporation and may only be used by Approved Contractors on their websites and literature. Any accompanying text other than that provided in literature provided by AFC First must be approved.

Right Click and Save as Image or Picture

Click here to download this logo in various formats (ZIP)

Quick Tips for Energy Efficiency

Energy efficient choices can save families about a third on their energy bill with similar savings of greenhouse gas emissions, without sacrificing features, style or comfort. ENERGY STAR helps you make the energy efficient choice. Learn how to start saving energy and money with ENERGY STAR approved home improvements. There are several simple actions you can take to save energy.

• Change a light and save a bundle. ENERGY STAR qualified light bulbs are 75% more efficient than incandescent bulbs. When just one room in every home is brightened by ENERGY STAR lighting, the change will keep over one trillion pounds of carbon dioxide out of our air.
• Make a quick trip to the hardware store or home improvement center for a hot water insulation kit to wrap your water heater and save on water heating costs.
• Use an ENERGY STAR qualified programmable thermostat that can automatically adjust the temperature of your home when you are away.
• Ensure that your whole system (i.e., furnace, heat pump, air conditioner, and heating and cooling) is energy efficient. Leaky ducts can decrease the overall energy efficiency of your heating and cooling system by as much as 20%. Duct sealing increases efficiency and lowers your utility bills.
• Upgrade your refrigerator if it is 10 years old or older. Refrigerators use more energy than any other appliance in your home, but an ENERGY STAR qualified refrigerator uses about half the energy of a 10-year old conventional model.
• Consider replacing your central air conditioning system if it is more than seven years old. Look for the ENERGY STAR label when you buy and use 20% less energy than a standard model. If just one household in 10 bought ENERGY STAR heating and cooling equipment, the change would keep over 17 billion pounds of pollution out of our air.
• Replace your clothes washer with an ENERGY STAR labeled model when it is time. Clothes washers use energy to both clean clothes and heat water, so to save on energy costs, wash your clothes in cooler water. ENERGY STAR qualified clothes washers use 50% less water and 70 % less energy per load; that's up to $100 every year.
• Run your washer, dryer, and dishwasher only with a full load.
• Seal and insulate your home to improve comfort and reduce heating and cooling costs. EPA recommends Home Sealing to improve your home's "envelope" or the outer walls, ceiling, windows and floors. To improve the envelope of your home: Add insulation, seal air-leaks, and choose an ENERGY STAR labeled window if you're in the market for new windows.
• Check with your local utility or use our Special Offers search to see what incentives or rebates are available for the purchase of ENERGY STAR qualified appliances, lighting, or HVAC systems.
• For more information visit www.energystar.gov

Frequently Asked Questions & Additional Information

Please click on the list below to jump to a section.

Additional Information:

• Energy Efficienct Remodeling
  
• Quick Tips for Energy Efficiency
  
• What is ENERGY STAR®?
  
• What is a "Whole House" Energy Audit?
  

Frequently Asked Questions:

• How long does the Approval Process take?
  
• What is AFC First's Approval Rate?
  
• What are the Credit Standards?
  
• How long is the Credit Approval good for?
  
• What is the most Common Term Homeowners choose?
  
• How are Contractors paid?
  
• Can you pay off your loan early?
  
• How do I make a payment to AFC First?
  

What is ENERGY STAR?↩

What is a "Whole House" Energy Audit?↩

Rather than focusing on a single component such as single-paned windows, an old heating system, or leaky ductwork, Home Performance with ENERGY STAR offers a whole-house approach that assesses how improvements to all of your home's systems can work together to deliver real energy efficiency and cost savings. The key component of this is an energy audit which assesses your energy usage and makes recommendations on improvements to save you money. Click here for more information.

Certified Auditors under the Keystone HELP program are Approved Contractors certified by both BPI (Building Performance Institute) and RESNET (Residential Energy Services Network) to conduct home energy audits. You must have an audit performed by a Certified Auditor to utilize the “Whole House Improvement Loan” Program. Certified Auditors may work independently from your contractor or they may be Certified Contractors who have also met the qualifications to perform as Certified Auditors.

Frequently Asked Questions

How long does the Approval process take?↩ 

• Usually 30 minutes or less during normal business hours (830am-5pm). 
  If application volume is extremely high or an application is incomplete the turn-a-round time may be greater.
  

What is AFC First’s Approval Rate?↩ 

• Overall we approve over 70%
  

What Are the Credit Standards?↩

• Generally, a minimum credit score of 640, and a 50% debt ratio, as well as having no bankruptcy for the last 7 years.
• For Secured Loans, a minimum credit score of 620, and a 45% debt ratio, as well as having no bankruptcy for the last 2 years.

How long is the Credit Approval good for?↩

• Homeowners credit may have to be rechecked if 60 days have elapsed.  
  

What is the most Common Term Homeowners choose?↩

• Most homeowners choose the ten year term, although terms of three and five years are also available.

How are Contractors paid?↩

• We pay the Contractor the same day the work has been completed and verified.
  

Can you pay off your loan early?↩

• Yes, and there will be no penalty charged. 
• Any amount paid above the minimum required goes directly to principal.
  

How do I make a payment to AFC First?↩

• You may use the Auto Pay Form (included with Loan Docs), mail a Personal Check, or make a Payment Online.  
• All customers will receive a monthly Statement from AFC First from which to pay or to keep for their records.
  

About Contractors & Energy Auditors

There are three levels of contractors and one level of energy auditor certification.

Please note that Keystone HELP does not endorse any particular contractor, but maintains a directory of contractors who have applied and been authorized to participate in the program at these different levels. While the contractors in our directory have been screened and qualified to the best of our ability, you will be entering into a direct relationship with the contractor of your choice and it is important that you review their credentials, qualifications and references to make an informed decision.

Approved Contractors

• Have been reviewed for financial and ethical stability and are currently authorized to perform work under all rebate and loan programs except the “Whole House Improvement Loan” programs.

Trained Contractors

• Approved Contractors who are not BPI (Building Performance Institute) certified or accredited but have undergone additional training on building science and “Whole House” energy improvements, and are currently authorized to perform work under all rebate and loan programs. If they are performing work under the “Whole House Improvement Loan” program, they must be working under a Certified Auditor who provides on-site oversight of their work.

Certified Contractors

• Approved Contractors who have achieved BPI (Building Performance Institute) certification or accreditation. BPI is the nationally recognized designation for building and energy professionals who have undergone rigorous training on “Whole House” energy improvements. Certified Contractors are authorized to perform work under all rebate and loan programs.
  

Certified Energy Auditors

• Approved Contractors certified by BPI (Building Performance Institute) to conduct home energy audits. You must have an audit performed by a Certified Auditor to utilize the “Whole House Improvement Loan” Program. Certified Auditors may work independently from your contractor or they may be Certified Contractors who have also met the qualifications to perform as Certified Auditors.
  

You may have a contract with only one Approved, Trained or Certified Contractor for unsecured loan programs. Multiple Approved, Trained or Certified Contractors are permitted under secured loan programs. Approved, Trained or Certified Contractors are permitted to use sub-contractors in the normal course of their business, providing that your contract for work is only with an Approved, Trained or Certified Contractor.

You may, however, enter into a separate contract with a Certified Auditor for a home energy audit.

Click Here for Information on Becoming an Approved Keystone HELP® Contractor.

Special Lower Rates on Keystone HELP Financing for Eligible Homeowners in Bucks, Chester, Delaware, Montgomery and Philadelphia Counties

EnergyWorks is a comprehensive energy solutions program for home and building owners. EnergyWorks experts help owners find ways to reduce their building’s energy use, and EnergyWorks’ low-interest loans help them pay for the upgrades. EnergyWorks has partnered with Keystone HELP, Pennsylvania's statewide energy efficiency home improvement financing program (provided by Pennsylvania Treasury, Department of Environment Protection and AFC First Financial Corp.) to offer special lower interest rates for qualifying homeowners in southeastern Pennsylvania. EnergyWorks is a program of the Metropolitan Caucus, a coalition of Commissioners and Council members from Bucks, Chester, Delaware, and Montgomery Counties and the Mayor of Philadelphia. It is supported by a grant from the US Department of Energy’s Better Buildings Program.

Browse Our Financing Programs by Improvement Types:

Heating & Cooling

Windows & Doors

Air Sealing & Insulation

Whole House Energy Improvements

Other exciting updates:

• Qualifying Windows are now an eligible single measure improvement.
• Qualifying retrofit or upgrade of Central AC is now an eligible improvement.
• Please click here for complete details.

For Contractors

If you are looking to become an Approved Contractor, please click here.

• Andrew Greenspan
  Business Development Manager
  agreenspan@afcfirst.com
  (610) 597-1937

Important for Pennsylvania Contractors:

By January 1, 2014, all Pennsylvania contractors must be either “Trained” through completion of Home Performance 101 or “Certified” through BPI Building Analyst Certification as a requirement to offer Pennsylvania’s best financing program for energy efficiency improvements, Keystone HELP®. Note: Effective, January 1, 2014, all Keystone HELP Contractors must be designated as Trained" (by the successful completion of Home Performance 101 either through the physical training or online version of the course - minimum of one active employee per company) or as "Certified" (BPI BA-1 certification - minimum of one active employee per company).

Marketing & Sales Tools

If you are looking for Marketing and Sales Tools, please click here. 

Verifying & Confirming Qualifying Improvements

For information on Confirming Qualifying Improvements, please click here.

Form & Guideline Downloads

For information on Forms & Guidelines, please click here.

Find A Contractor

Please use this tool below to search for a contractor in your area.

There are three levels of contractors and one level of energy auditor certification under the program. Please note that Keystone HELP does not endorse any particular contractor, but maintains a directory of contractors who have applied and been authorized to participate in the program at these different levels. While the contractors in our directory have been screened and qualified to the best of our ability, you will be entering into a direct relationship with the contractor of your choice and it is important that you review their credentials, qualifications and references to make an informed decision. 

Save Money on Energy and Improve Your Home’s Comfort with Pennsylvania’s Special Financing Program for Energy Efficiency Home Improvements

With Keystone HELP® (Home Energy Loan Program), most Pennsylvania homeowners who meet the program’s eligibility guidelines can get a low cost, low payment loan for ENERGY STAR® rated and high efficiency heating, air conditioning, air sealing, insulation, windows, and “whole house” improvements using Home Performance with ENERGYSTAR®. These special loan terms can help you save thousands of dollars over the life of your loan, further enhancing the financial impact of your energysavings and minimizing out of pocket costs.

Special Features of a Keystone HELP® Loan:

• Can Be Used for Most Types of Qualifying Energy Efficiency Improvements  to Your Home
• True Fixed Rate, Unsecured Loans up to $15,000
• Secured PowerSaver Loans to $35,000
• 3, 5, or 10 Year Terms
• 100% Financing Available
• No Points, Fees or Costs, No Pre-Payment Penalties
• New Homeowners Eligible
• No Home Equity Required, No Lien Filed on Home
• Contractor Paid Directly Upon Satisfactory Completion

Network of Approved Contractors:

We work with a group of more than 3,000 Approved Contractors to ensure the quality of each job performed. Approved Contractors have applied with AFC First to offer Keystone HELP® financing, and are the only persons allowed to perform job work under our financing. There are three levels of Approved Contractors, two levels of Geothermal Contractors, and one level of Certified Energy Auditor. We require our Contractors to go through training on energy efficiency, home performance, and building science to verify knowledge of the subject matter. For Contractors who are looking to get started in energy efficiency, we offer various training courses through our Green Energy Training Center.

AFC First Financial Corporation is the provider of Keystone HELP®.

AFC First is a National Leader in Financing and Programs for Energy Efficient Home Improvements. Keystone HELP® is also supported by the Pennsylvania Treasury Department,PA Department of Environmental Protection, and the Pennsylvania Housing Finance Agency.