Pennsylvania Home Energy Loan Program Lowers Rates for Flood Victims
HARRISBURG – Special lower interest rates from the Keystone Home Energy Loan Program (HELP) are now available for homeowners in flood-affected counties, Representatives Jim Cox (R-Berks) and Mark Gillen (R-Berks) announced today.

Pennsylvania homeowners in communities affected by either Hurricane Irene or Tropical Storm Lee are now eligible for limited-time lower Keystone HELP loan rates from 0.99 percent to 4.99 percent for applications received by Dec. 14.

“I encourage constituents who are interested and may qualify to look into this program,” Cox said. “This may be able to help some people get back on their feet and restore a sense of normalcy following the devastating water damage caused by the torrential rain.”

Keystone HELP provides unsecured loans of $1,000 to $15,000 for qualifying improvements that enhance a home’s energy efficiency. There are no closing costs and no penalty for pre-payment. Loan terms range from three to 10 years.

“If constituents need to make repairs to a home following the flood, perhaps it is worth looking into making energy efficiency improvements that could qualify for this program in the short term and save them money in the long term,” said Gillen. “This is just one more potential option in the ongoing efforts to help people affected by the severe weather.”

For flood-related applications received through Dec. 14, interest rates for qualifying stand-alone heating, cooling, windows, doors, insulation and domestic hot water systems are 4.99 percent for Energy Star projects and 3.99 percent for Advanced Performance projects. For whole house improvements or projects with air sealing and insulation done by a Building Performance Institute-certified contractor, the rate is 0.99 percent. In addition, up to 35 percent of the loan may be used for “non-energy” improvements rather than the standard 25 percent.

For more information on counties eligible for lower Keystone HELP loan rates, visit or and click on “Keystone HELP Program.”

State Representative Jim Cox
129th District, Pennsylvania House of Representatives
State Representative Mark Gillen
128th District, Pennsylvania House of Representatives

Contact: Dan Massing 
717.772.9845 or or
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