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Zero Interest Air Quality Loan

Air Quality

Loans available to City of Fort Collins residents for air quality improvements:

Type of Improvement Max. % of Cost Financed Loan min. Loan max. Other Eligibility Requirements Building Permit Required?
Radon Mitigation 90% $1,000 $3,000 Radon test of 4 picoCuries/liter or higher No
Mold Remediation 90% $1,000 $10,000 Certified mold remediation contractor No, unless building structure is affected
Fireplace or Wood Stove Upgrade* 90% $1,000 $3,000 Proof of old stove recycling (if stove) Yes

*Four upgrades are eligible: 1.)  Gas log fireplace upgrade to gas fireplace insert; 2.) Wood stove/fireplace upgrade to gas stove/insert; 3.)  Wood stove/fireplace upgrade to pellet stove/insert; 4.)  Wood stove/fireplace upgrade to certified wood stove/insert.

Eligibility

Fort Collins homeowners are eligible. Rental properties are eligible if the owner applies.

Details

  • Projects may be combined. The maximum loan amount is $10,000, depending on the type of improvement.
  • Loans can include all or a portion of the project cost and the cost of a building permit or radon test, if applicable.
  • No interest is charged on air quality loans, but there is a $25 credit-check fee.
  • The repayment schedule varies by loan amount.
  • To see more details, please download our loan application

Apply Today!

Once you decide on the improvements you want to make:

  • If applying for a radon loan, complete a radon test.
  • Obtain one or more bids and select the one that meets your project goals.
  • Pay $25 credit-check fee by credit card online
  • Download our loan application.  You may fill out the form online and print out the completed form, or print out the blank form and fill it out by hand.  The form includes instructions and further details of the loan program.

Once completed, send your application Joe Zahn at EnergySmart Partners.*

  • Include your selected bid, and radon test result (if applicable). 
  • Secure submittal choices include fax, mail, and drop-off. 
  • You may email your completed and scanned application, however, to protect your personal information, you may choose to send your application without your Social Security number and Joe Zahn will contact you by phone for that information.

Joe Zahn
EnergySmart Partners LLC*
330 S. College Avenue, Suite 400
Fort Collins, CO  80524

970.494.2021 office
970.494.2022 fax

*City of Fort Collins has contracted with EnergySmart Partners LLC, a subsidiary of Funding Partners, a Colorado non-profit corporation, NMLS#383923, to receive, process, and close your Air Quality Zero Interest Loan.  Loan Programs Manager is Joe Zahn, Colorado MLO# 100011881, NMLS# 274683.  Transactions are regulated by Colorado Division of Real Estate.

Questions?

Brian Woodruff, City of Fort Collins Environmental Planner
email:
phone: 970-221-6604

Additional Loan Programs

Fort Collins Utilities residential customers are eligible for energy and water conservation loans. Visit the City of Fort Collins Utilities' On-Bill Financing website for more information. Loans are offered for HVAC (furnace, A/C, whole house fan, water heater, etc.), insulation and air sealing, windows, solar PV, and water service line repair or replacement. 

Additional Loan Programs

Fort Collins Utilities residential customers are eligible for energy and water conservation loans. Visit the City of Fort Collins Utilities' On-Bill Financing website for more information. Loans are offered for HVAC (furnace, A/C, whole house fan, water heater, etc.), insulation and air sealing, windows, solar PV, and water service line repair or replacement.

Frequently Asked Questions

  • Q. Can I have more than one loan at a time? 

    A. No, you may only have one outstanding air quality loan, but you may finance multiple projects in one loan.
  • Q. Can I use the loan for new construction? 

    A. No, funds may only be used for existing homes.
  • Q. I've already ordered a new wood stove for my home. Can I get an air quality loan to pay for it? 

    A. Loans are only for future projects, not ones that have already been started or completed. Work on a project funded by an air quality loan may only begin after the loan has been approved.
  • Q. Can I use the loan to complete more than one project? 

    A. Yes, a single loan may include more than one project. For example, you could borrow money to remove a wood stove and remediate mold, providing you do not exceed the maximum loan amount of $10,000.
  • Q. Do I have to use the "low-bid" contractor? 

    A. No, but we encourage you to collect multiple bids.
  • Q. If I refinance my home, do I have to pay off the loan? 

    A. Yes.
  • Q. Can the loan be used for do-it-yourself projects? 

    A. No, loans are not available for do-it-yourself projects.
  • Q. Where does my loan originate? 

    A. The city has contracted with EnergySmart Partners LLC to originate air quality loans. They assist homeowners to make home improvements with affordable lending programs and flexible loan terms. Loans are regulated by the Colorado Division of Real Estate.