Atlantic Coast Heating and Cooling, LLC now offers special financing  through AFC First Bank for energy saving home improvements.  They are a National Leader in Financing and Programs for Energy Efficient Home Improvements.


Energy Loan is for energy related and renewable energy improvements. All work can be financed if at least 50% of the project is comprised of the following:

Heating and Cooling

  • All types of gas, electric, or oil heating and air conditioning systems and all related work services, including line extensions, tanks and sewer lines.

Air Sealing and Insulation

  • All types

Windows and Doors

  • All makes and models of windows, doors, siding and roofing

Electrical Plumbing

  • Electrical and plumbing including water heaters, water treatment, baths and kitchens

Geothermal, Solar and other

  • Other qualifying energy-saving improvements including geothermal, solar, and small wind


Only AFC First Approved Contractors may perform the work.  Approved Contractors are authorized to perform work under the program. They are not agents of AFC First. All loans are made directly to the consumer.


Low Fixed Rate, Fixed Monthly Payments  Energy Loan is a simple interest, fixed rate loan, with longer terms available than typical bank financing.  The monthly payment and interest rate can never change. Since there is no penalty for prepayment-payment, you may pay it off or make additional payments at any time.


Improve the energy efficiency of your home with this fast and convenient monthly payment financing option for affordable energy-saving home improvements.

True Fixed Rate

Loans up to $25,000, 100% financing available

Low fixed rate, fixed monthly payments

Loan terms up to 10 years with no prepayment penalties

No lien on your home, no points, fees or closing costs, no home equity required and new homeowners are OK too


  • All homeowners who are making qualifying improvements to their primary residence or vacation home (1 to 2 primary residence or vacation home on permanent foundation) are eligible.
  • Good credit and the ability to repay are required; all income levels are eligible.


  • Get an Estimate  

Contact us to get an estimate for qualifying improvements.

  • Fast Approval

Mobile and Web-based tools allow your us  to instantly quote your monthly payment. You  may apply online or by phone.

  • Installation and payment to us

We send a copy of your estimate identifying the final price and qualifying improvements to AFC First and we get paid through them.


Call AFC First at 1-888-232-3477

Visit online at