Jan 21, 2021
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Fort Collins Utilities and EnergySmart Partners LLC have partnered to provide low cost loans for residential energy efficiency, solar PV and water conservation improvements through the EPIC Loan Program.


  • Loans are available for qualifying applicants for $1,000 up to $25,000.
  • Fixed Interest Rates* (Rate Subject to Change)
  • Flexible Loan Terms: 36, 60, 84, 120, 180 or 240 month loan terms are available.
  • Loans will be secured by a Uniform Commercial Code (UCC) lien on the property.


  • Your property must be located the City of Fort Collins, Colorado.
  • You must be a City of Fort Collins electric or water utility customer.
  • You must own the residence to be upgraded with the energy efficiency renovations.
  • Have a minimum credit score of 640.
  • Meet additional financing terms of EnergySmart Partners LLC

To apply for this program click on the button below.

Apply Online

After completing the online application please print and sign the Authorization to Release Information form at the end of the online application process. Please send the signed authorization form to us.

email to info@fundingpartners.org or faxing to 970-494-2022.

In order for us to process your application we need to collect a $25 application fee. 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.


A list of qualifying energy improvements and the rebates available can be found by accessing the links on the Efficiency Works - Home program home page: https://www.fcgov.com/utilities/residential/conserve/home-efficiency-program/



Credit Metrics


Minimum FICO (Credit Score)

·   Each borrower must meet the minimum FICO score

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


· 640


·   Utility Bill History

(if available, reviewed by Fort Collins Utility staff)

· 6 months timely payments

Bankruptcy, Foreclosure, Repossession

None in the last 7 years

Unpaid Collection Accounts, Judgments, Tax Liens

No more than $2,500

Loan Amounts

$1,000 to $25,000


Loan Amount:           $7,500       

Interest Rate:            4.00%, 5.217% APR* (Rate subject to change)

Loan Term:                84 months (7 years) 

Monthly Payment:     $102.52

Fees:                              $312.00


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

EnergySmart Partners’ H.E.L.P. loans range from $1,000 to $25,000. Interest rate and APR may be different based on your loan amount and term subject to credit qualification. APR and interest rate are subject to change without notice.


EnergySmart Partners LLC

a wholly owned subsidiary of

Funding Partners for Housing Solutions, Inc.

Megan Ferguson

Retail Program Manager


Colorado MLO# 100034415   NMLS# 382935

*Regulated by the Colorado Division of Real Estate

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