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BeSMART
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ACCESSIBILITY: aria-haspopup="true" is required for drop downs. --> <a class="mdgov-dropDown__trigger" href="#" aria-haspopup="true" id="main-nav-DevelopersContractors">DEVELOPERS & CONTRACTORS</a> <!-- ACCESSIBILITY: aria-hidden="true" on "mdgov-dropDown__panel" requried for initial state of hidden. --> <div class="mdgov-dropDown__panel mt-lg-3" aria-hidden="true"> <div class="row no-gutters"> <div class="col-lg-12"> <div class="row no-gutters"> <div class="col-lg-6 col-xl-3 p-3"> <div><strong><a href="/HousingDevelopment/Pages/FinancingPrograms.aspx"> CONSTRUCTION/REHAB</a></strong></div> <ul class="nav flex-column"> <li><a href="/Energy-Home-Repair/Pages/Group-Home-Program.aspx"> Group Home Program</a></li> <li><a href="/HousingDevelopment/Pages/hipp/Default.aspx"> HOME Investment Partnerships Program</a></li> <li><a href="/HousingDevelopment/Pages/lihtc/default.aspx"> Low Income Housing Tax Credits</a></li> <li><a href="/HousingDevelopment/Pages/mbp/default.aspx"> Multifamily Bond Program</a></li> <li><a href="/HousingDevelopment/Pages/MFLibrary.aspx"> Multifamily Document Library</a></li> </ul> </div> <div class="headerless-menu-media col-lg-6 col-xl-3 p-3"> <div> </div> <ul class="nav flex-column"> <li><a href="/HousingDevelopment/Pages/nht/default.aspx"> National Housing Trust</a></li> <li><a href="/HousingDevelopment/Pages/prhp/default.aspx"> Partnership Rental Housing Program</a></li> <li><a href="/HousingDevelopment/Pages/rhf/factsheet.aspx"> Rental Housing Program</a></li> <li><a href="/HousingDevelopment/Pages/rhw/default.aspx"> Rental Housing Works</a></li> <li><a href="/HousingDevelopment/Pages/section811/Section811.aspx"> Section 811 Project Rental Assistance Program</a></li> <li><a href="/HousingDevelopment/Pages/UPLIFT.aspx"> UPLIFT</a></li> </ul> </div> <div class="col-lg-6 col-xl-3 p-3"> <div><strong><a href="/Energy-Home-Repair/Pages/Homeowner-Loans/default.aspx"> CRITICAL REPAIR</a></strong></div> <ul class="nav flex-column"> <li><a href="/Energy-Home-Repair/Pages/Homeowner-Loans/Indoor-Plumbing.aspx"> Indoor Plumbing Program</a></li> <li><a href="/Energy-Home-Repair/Pages/Homeowner-Loans/Lead-Hazard-Reduction.aspx"> Lead Hazard Reduction Grant and Loan Program</a></li> </ul> </div> <div class="col-lg-6 col-xl-3 p-3"> <div><strong><a href="/Energy-Home-Repair/Pages/Homeowner-Grants/default.aspx"> ENERGY EFFICIENCY</a></strong></div> <ul class="nav flex-column"> <li><a href="/Energy-Home-Repair/Pages/Multifamily-Energy-Program/MEEHA.aspx"> Multifamily Energy Efficiency and Housing Affordability Program (MEEHA)</a></li> <li><a href="/Energy-Home-Repair/Pages/Energy-Efficiency-Workforce/default.aspx"> Energy Efficiency Contractor Resources</a></li> </ul> </div> </div> </div> </div> </div> </li> </ul> </nav> <!-- END: Global navigation with Mega Menus --> </div> <div class="mdgov-hero mdgov-hero--shaded"> <div class="mdgov-hero__logo"> <a href="https://maryland.gov/pages/default.aspx"> <!-- [ ACCESSIBILITY: Agency logo image must describe where it links to ] --> <img src="/Style Library/egov/img/logo.png" cssclass="mdgov-hero__brand__logo" alternatetext="Go To Maryland.gov Home Page" /> </a> </div> <div class="mdgov-hero__heading"> <a href="/pages/default.aspx" class="hero_brand"> <h1 id="mdgovAgency" class="mdgov-agency"> <!--<img src="/Style Library/egov/img/agencytitle-generic.png" cssclass="mdgov-hero__brand__logo" alternatetext="Go To Home page" />--> <span style="font-family: 'Montserrat';">Maryland </span> <span class="mdgov-agency__name" style="font-family: 'Montserrat';">Department of Housing and<br/>Community Development</span> </h1> </a> </div> <div class="mdgov-social"> <!-- [ ACCESSIBILITY: Tooltip-enabled elements must include aria-label values as well for screen readers ] --> <a href="http://www.facebook.com/marylandhousing" target="_blank" class="mdgov-social__icon" data-toggle="tooltip" data-placement="top" title="Facebook" aria-label="Facebook"><i class="fab fa-facebook-square" aria-hidden="true"></i></a> <a href="http://www.twitter.com/mdhousing" target="_blank" class="mdgov-social__icon" data-toggle="tooltip" data-placement="top" title="Twitter" aria-label="Twitter"><i class="fab fa-twitter-square" aria-hidden="true"></i></a> <a href="https://www.youtube.com/channel/UC9kioKizCY1tvTpFbZe6TXQ" target="_blank" class="mdgov-social__icon" data-toggle="tooltip" data-placement="top" title="YouTube" aria-label="YouTube"><i class="fab fa-youtube-square" aria-hidden="true"></i></a> <a href="https://www.instagram.com/marylandhousing" target="_blank" class="mdgov-social__icon" data-toggle="tooltip" data-placement="top" title="Instagram" aria-label="Instagram"><i class="fab fa-instagram" aria-hidden="true"></i></a> </div> </div> </header> <!-- Begin Body Content --> <!-- ACCESSIBILITY: 1. aria-label announces the type of navigation. 2. aria-current="page" should be added to the last item to indicate it is the current page. 3. Home link must contain the "Home" text but is hidden from view using "sr-only" class. --> <div class="mdgov-bodynotifications m-0"> </div> <div id="DeltaPlaceHolderMain"> <div class="row no-gutters bg-white"> <div class="container-fluid bg-white p-3 p-lg-4"> <main id="mdgovMain" class="mdgov-main"> <!--Custom Content and webpart Area--> <section class="mdgov-section"> <div id="ctl00_PlaceHolderMain_editmodepanel2"> <h1 class="mdgov-section__heading">BeSMART Energy Efficiency Loan for Homeowners</h1> </div> <div id="ctl00_PlaceHolderMain_ctl00_label" style='display:none'>Main_Content</div><div id="ctl00_PlaceHolderMain_ctl00__ControlWrapper_RichHtmlField" class="ms-rtestate-field" style="display:inline" aria-labelledby="ctl00_PlaceHolderMain_ctl00_label"><p>The BeSMART Home Loan Program provides financing to improve the energy efficiency and comfort of your home. By replacing and upgrading appliances, heating, ventilation and cooling systems, and whole house envelope improvements – homeowners can save on the utility bill.<br></p><h2>Eligibility</h2><p id="lists">The BeSMART loan is an unsecured loan based on verification of credit and ability to pay.</p><ul class="lists"><li>Maryland homeowner</li><li>Credit score of 640 or greater</li><li>Debt to income ratio that does not exceed 50%</li></ul><h2>Loan Terms</h2><ul class="lists"><li>Rate is 6.99% APR</li><li>Up to $30,000 in financing is available for energy efficiency measures for a term up to 10 years.</li><li>Minimum loan amount is $5,000.</li><li>BeSMART cannot finance projects or upgrades that are already purchased or already completed.</li></ul> <details><summary> <h2>How to get a BeSMART Home Loan</h2></summary> <ol class="lists"><li>Submit the <a href="/Energy-Home-Repair/Pages/Homeowner-Loans/BeSMART-Loan-Application.aspx">online BeSMART Loan Application</a> or the <a href="/Residents/Documents/besmart/Application.pdf"> <img class="ms-asset-icon ms-rtePosition-4" src="/_layouts/images/icpdf.png" alt="" />paper BeSMART Loan Application</a>.</li><li>Email all required income documentation to get pre-approved on a financial basis.</li><li>Submit project specifications - including scope of work, contractor estimates, and ENERGY STAR® equipment specifications.</li><li>Complete loan documents - Once the specific project is approved, the loan documents provided by DHCD must be signed and notarized.</li><li>Start your project – the project kicks off with an initial draw of funds to start work.</li><li>Complete your project – You and your contractor will confirm work has been completed to specifications, your contractor will submit photos, and you will both sign a Certificate of Completion for the final draw to be issued.</li></ol></details><details><summary> <h2 id="lists">Eligible Energy Saving Measures</h2></summary> <ul class="lists"><li>Insulation and air sealing</li><li>ENERGY STAR® heating and cooling systems</li><li>ENERGY STAR® hot water heating equipment</li><li>ENERGY STAR® appliances, windows, doors</li><li>Lighting and controls</li><li>Programmable and smart thermostats</li><li>Ceiling fans and ventilation fans</li><li>Geothermal heat pumps</li><li>Solar photovoltaic*</li><li>Health and safety costs related to energy improvements **</li><li>Other improvements identified in a certified energy audit</li></ul> <p>*Financing for solar photovoltaic installation is capped at a 1:1 match to the cost of energy efficiency measures. <br>**Up to 25% of the cost of the energy measures can be used to complete health and safety improvements that are necessary for the energy improvements – including ventilation, radon mitigation, abating asbestos, mold or lead, and code compliance.<br><strong>Borrowers may be required to pay for any costs not covered by this percentage to complete the project</strong>. </p></details> <h2>More Information</h2><p>CONTACT: BeSMART Home Loan Program<br> Community Development Administration<br>Maryland Department of Housing and Community Development<br>E: <a href="mailto:BeSmartHome.dhcd@maryland.gov">BeSmartHome.dhcd@maryland.gov</a><br>P: <a>301-429-7402</a></p><p> <a href="/Residents/Documents/besmart/Brochure.pdf"> <img class="ms-asset-icon ms-rtePosition-4" src="/_layouts/images/icpdf.png" alt="" />BeSMART Home Loan Brochure</a></p><p> <a href="/Residents/Documents/besmart/FAQs.pdf"><img class="ms-asset-icon ms-rtePosition-4" src="/_layouts/images/icpdf.png" alt="" />BeSMART FAQs</a></p></div> </section> <section class="mdgov-section"> <menu class="ms-hide"> <ie:menuitem id="MSOMenu_Help" iconsrc="/_layouts/15/images/HelpIcon.gif" onmenuclick="MSOWebPartPage_SetNewWindowLocation(MenuWebPart.getAttribute('helpLink'), MenuWebPart.getAttribute('helpMode'))" text="Help" type="option" style="display:none"> </ie:menuitem> </menu> </section> <section class="mdgov-section"> <div id="ctl00_PlaceHolderMain_ctl01_label" style='display:none'>Center_Content</div><div id="ctl00_PlaceHolderMain_ctl01__ControlWrapper_RichHtmlField" class="ms-rtestate-field" style="display:inline" aria-labelledby="ctl00_PlaceHolderMain_ctl01_label"></div> </section> <section class="mdgov-section"> </section> <!--Custom Content and webpart Area--> </main> </div> </div> <div id="EditPageProperties"> </div> <div style='display:none' id='hidZone'></div> </div> <!-- End Body Content --> </div> <footer id="mdgovFooter" class="mdgov-footer-2024"> <div class="container-fluid"> <div class="mdgov-footer-2024__top"> <div class="mdgov-footer-2024__agency"> <div class="mdgov-footer-2024__agency__logo"> <img src="/Style Library/egov/img/logo.png" alt="Maryland Flag Logo"> </div> <div class="mdgov-footer-2024__agency__address"> <address> <strong><span>Maryland Department of</span> <span>Housing and Community Development</span></strong><br/> <span>Headquarters - 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