Jan 21, 2021
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In partnership with the City of Fort Collins, EnergySmart Partners LLC offers affordable energy efficiency loans to qualified residents who own residential property wishing to make eligible air quality improvements to their primary residences or rental properties.






  • Loans for $1,000 up to $10,000
  • 0% (Zero Percent) Interest rate
  • Flexible Loan Terms
  • Loans will be secured by a Deed of Trust recorded with Larimer County.



  • Your property must be located in Fort Collins, Colorado.
  • You must own the residence to be upgraded with the energy efficiency renovations.
  • The property can be owner occupied or a rental property as long as all applicants claiming ownership are no legal entities and provide a single valid Social Security Number of an Individual Tax Identification Number.
  • Have a minimum credit score of 640.
  • Meet additional financing terms of EnergySmart Partners LLC.



Credit Metrics


Tier 1


Tier 2


Minimum FICO (Credit Score)


·   Each borrower must have a minimum FICO


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




· 700 if salaried (or fixed income)


· 720 if self-employed less than 2 years










· 640 if salaried (or fixed income)


· 680 if self-employed more than 2 years










Bankruptcy, Foreclosure, Repossession


None in the last 2 years


None in the last 2 years


Unpaid Collection Accounts, Judgments, Tax Liens


No more than $2,500 total


No more than $2,500 total


Loan Amounts


Up to $10,000 Up to $5,000



$3,000 Loan Amount

0% Interest Rate 2.037% APR*

36 month loan term

$50.00 monthly payment

*APR means Annual Percentage Rate. Your APR may be higher or lower than the example above.

EnergySmart Partners’ loans range from $800 to $3,000. Interest rate is 0% (zero). Loan fee is $150 regardless of loan size. APR’s may range as low as 2.037% to 73.495% based on your creditworthiness, loan amount, and loan term; and is subject to our normal credit qualifications. APR’s are subject to change without notice.





Type of improvement

Max. % of cost financed

Loan min.

Loan max.

Other eligibility requirements

Building permit required?

Radon mitigation




Radon test of 4 picoCuries/liter or higher


Mold remediation




Certified mold remediation contractor*

No, unless building structure is affected

Fireplace or wood-stove upgrade**




Proof of old stove recycling (if stove)



*Mold remediation professionals are licensed by the EPA.

**Four upgrades are eligible:

1.  Gas-log fireplace           TO     upgrade to gas fireplace/insert

2.  Wood-stove/fireplace    TO     upgrade to gas stove/insert

3.  Wood-stove/fireplace    TO     upgrade to pellet stove/insert

4.  Wood-stove/fireplace  TO   upgrade to certified wood stove/insert 


To apply for this program:


Step 1:   Apply Online



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


Step 3: Click on the button below and pay for the report using a credit or debit card on our secured Paypal connection.

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

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


 Application Fee


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

EnergySmart Partners LLC

a wholly owned subsidiary of

Funding Partners for Housing Solutions, Inc.


Megan Ferguson

Retail Program Manager

Colorado License# 100034415  NMLS MLO# 382935



*Regulated by the Colorado Division of Real Estate



Home  |  Apply Online  |  Mortgage Calculators  |  Industry Links  |  About Us  |  Pay Application Fee Here
Authorization to Release Information & E-Consent  |  Income Documentation Checklist  |  Energy Smart Colorado Revolving Loan   |  Garfield Clean Energy Revolving Loan  |  City of Fort Collins Air Quality Loan   |  City of Fort Collins EPIC Loan Program
Waiver of Lien & Completion of Work Affidavit  |  EPIC City of Fort Collins Energy Financing Guidelines  |  Garfield Clean Energy Guidelines  |  Energy Smart Colorado Guidelines  |  City of Fort Collins Air Quality Loan Product Guidelines  |  Energy Smart Colorado Application Checklist
Garfield Clean Energy Contractor Agreement & ACH Form  |  Garfield Clean Energy Application Checklist   |  Energy Smart CO Contractor Agreement & ACH Authorization  |  EnergySmart Partners role in the process  |  Loan Closing Procedures

330 S. College Avenue
Suite 400
Fort Collins CO 80524

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NMLS# 382935; Colorado License# 100034415