Michigan Saves Home Energy Loan

Michigan Saves (nonprofit green bank)

Available Energy Assistance

About This Program

Michigan Saves Home Energy Loan is available to homeowners in Royal Oak, MI.

Low-interest loans for home energy improvements including HVAC, insulation, windows, and solar. No down payment required, and loans are unsecured. Available to homeowners statewide including Royal Oak.

Low-interest loan up to $50,000 with flexible terms, rates vary by credit

Official source site checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Royal Oak, MI, you can combine this program with other local help to cut your cost:

Key Details

  • Loans up to $50,000 for energy upgrades
  • No down payment required
  • Unsecured loans with competitive rates
  • Covers HVAC, insulation, windows, solar
  • Fast approval process

How to Apply

Get free help applying Visit Official Program Page Track this program

(888) 814-7283

A grant-savvy contractor in Royal Oak, MI can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Royal Oak early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Michigan Saves is a nonprofit green bank offering affordable financing for home energy improvements such as insulation, heating and cooling, windows, and solar, done by a Michigan Saves authorized contractor. You cannot use the financing without an authorized contractor; once they quote your project and give you their six-digit ID, you apply online.

Steps to apply

  1. Find a Michigan Saves authorized contractor in your area using the contractor finder.
  2. Have the contractor evaluate your project and give you a quote and their six-digit authorized contractor ID.
  3. Apply for financing online with the contractor's ID handy.
  4. On approval, the contractor completes the energy improvements.
Get the official form

Documents you will likely need

  • Proof you own and occupy the home.
  • The authorized contractor's quote and six-digit ID.
  • Your income and credit information for the online application.
  • A government-issued photo ID.
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Year-round applications

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Michigan Saves Home Energy Loan provide in Royal Oak, MI?

Up to $50,000 loan.

Who qualifies for Michigan Saves Home Energy Loan in Royal Oak?

Michigan Saves Home Energy Loan is open to homeowners in Royal Oak, MI. It has no income limit.

How do I apply for Michigan Saves Home Energy Loan in Royal Oak, MI?

Apply directly with Michigan Saves (nonprofit green bank) using the official program link on this page or call (888) 814-7283. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Royal Oak, MI contractors

Find More Programs in Royal Oak, MI

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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