Maryland State

Resources and Tutorials for Maryland CEA Dealers

Below is the link to login to the Blueprint loan application portal to originate new loans.

Before you start an application:

Please make sure CEA has reviewed your project plans and approved them before submitting a loan application. For new users, please contact Maryland CEA for assistance in setting up a new account in our Blueprint Portal.

 

 

Please refer to this page for additional CEA help.
CEA Website

 

Please refer to your blueprint portal to check the status of loan applications. If you have any additional questions for CEA or questions on the project approval, please submit an email to admin@cealoan.org

2024 Clean Energy Advantage Loan Program Contractor Training

Please refer to this video for questions about Clean Energy Advantage. A walkthrough of Clean Energy Credit Union’s dealer portal starts at the 14-minute mark. The webinar covers the Clean Energy Advantage Loan program from a contractor’s perspective, demos the application process, and addresses commonly asked questions.

Contractor Training
Clean Energy Advantage Program Graphic

Contractor Document Checklist and Sample Contract

Maryland CEA Program Checklist Promo Image

Contractor Checklist

The Maryland Clean Energy Advantage Program Contractor Document Checklist outlines essential requirements for contractors participating in the program. This document details specific criteria and information necessary for project approval and funding.

Document Checklist
Maryland CEA Example Contract Preview

Sample Contract

The Maryland CEA Sample Contract outlines essential requirements for contractors participating in the program. This document details specific criteria and information necessary to be in the contract.

Sample Contract

Loan Requirements

Please make sure that the products you are using fall within our eligible products list.

Eligible Product Requirements

 

Here is the difference between secured and unsecured loans:

Unsecured Loan Description
Secured Loans Description

Today’s GHI Rates

As a participant in the Clean Energy Advantage (CEA) Loan Pilot Program, borrowers receive 0% financing for the first 24 months of their loan and reduced interest rates.

This includes projects such as home energy efficient heating and air conditioning systems, water heating systems, windows and doors, whole home insulation, and weatherproofing – regardless of income level.

Maryland CEA Green Home Improvement Loans

Loan Type

Min/Max Loan Amount

Term

APR as low as

1 Loans must be used for qualifying clean energy products and services and must meet the CEA eligible products list.
2 Rates shown include a 2.00% discount for automatic loan payments.
3 Rates shown are lowest possible rates for qualified buyers. Rates may change dependent on credit qualifications, underwriting factors, and loan characteristics.
4 Rates shown reflect the 0.5% Maryland CEA Program discount applied.

Loan Type

Secured Green Home Improvement Loans1 2 3

Min/Max Loan Amount

$3,000 to $75,000

Term

3 years

APR as low as

5.50%4 5 6

Loan Type

Secured Green Home Improvement Loans1 2 3

Min/Max Loan Amount

$3,000 to $75,000

Term

5 years

APR as low as

6.00%4 5 6

Loan Type

Secured Green Home Improvement Loans1 2 3

Min/Max Loan Amount

$3,000 to $75,000

Term

7 years

APR as low as

6.25%4 5 6

Loan Type

Secured Green Home Improvement Loans1 2 3

Min/Max Loan Amount

$3,000 to $75,000

Term

10 years

APR as low as

6.75%4 5 6

Loan Type

Unsecured Green Home Improvement Loans

Min/Max Loan Amount

$3,000 to $35,000

Term

3 years

APR as low as

8.25%4 5 6

Loan Type

Unsecured Green Home Improvement Loans

Min/Max Loan Amount

$3,000 to $35,000

Term

5 years

APR as low as

8.75%4 5 6

Loan Type

Unsecured Green Home Improvement Loans

Min/Max Loan Amount

$3,000 to $35,000

Term

7 years

APR as low as

9.00%4 5 6

Loan Type

Unsecured Green Home Improvement Loans

Min/Max Loan Amount

$3,000 to $35,000

Term

10 years

APR as low as

9.50%4 5 6

First Time Blueprint Login Video Tutorial

Here is an in depth tutorial on how to login to Blueprint, Clean Energy Credit Union’s loan application portal. If you are having any issues with logging in, please refer to this video:

If you have any issues loading the video, please refer to this link to launch the video via YouTube:

Launch Video

Resources

A preview for the Blueprint Login Instructions

First Time Blueprint User Instructions Document

This document provides instructions for setting up and using the Blueprint portal with Google Authenticator for secure access. It outlines steps for downloading the app, logging in with a temporary password, creating a permanent password, and using two-factor authentication through a QR code scan for future logins.

GHI Loan Instruction Promo

Green Home Improvement Loan Instructions

This document outlines the requirements and steps for applying for a green home improvement loan through Clean Energy Credit Union. It details the necessary documents for both loan application and approval, the terms and conditions of secured and unsecured loans, and the process for submitting and verifying documentation to secure the loan and have it disbursed to the contractor.

Affidavit Template Image

Affidavit for Project Completion Template

Blank and downloadable affidavit form.

If you would like to set up electronic payment money transfers, please contact dealers@cleanenergycu.org to get set up.

Please email dealers@cleanenergycu.org with your username. If you have any additional issues, please refer to our tutorial video here:
Blueprint Login Tutorial

Credit approvals and loan rates are valid for 6 months from an applicant’s original pre-approval date.

 

  • All loan proceeds need to be approved by Clean Energy CU for disbursement to the dealer within this 6- month validity period. 
  • After the 6-month validity period expires, credit approvals may be extended another 4 months:
    • Clean Energy CU can do a hard credit pull – after obtaining explicit permission from the customer. 
    •  If the hard credit pull results in a credit score that has dropped by more than a nominal delta, then Clean Energy CU may need to ask for updated proof of income and/or re-underwrite the loan app more comprehensively. Extensions or re-approvals are not guaranteed. 
  • Clean Energy CU includes language about the 6-month validity period in the footnotes of each pre-approval and full approval email: “The credit approval and loan terms associated with this loan application will be valid for up to six months from the date on which you were originally pre-approved. If your loan(s) are not fully funded/closed within this six-month time frame, then credit approval will expire, after which an extension may be possible – but not guaranteed – which may require us to re-underwrite your loan application. This may involve re-pulling and re-approving your credit, re-pricing your loan terms, and re-verifying your income, among other things.

Here is the link to the portal: Blueprint Portal

The time it takes to go from pre-approval to full approval depends largely on how quickly the member uploads the required documents to the blueprint portal. It also depends on their attentiveness to our correspondence through email, blueprint portal messaging, and phone calls. Typically the loan can get held up during the verification of income or the membership/ID Pal identity verification process. If the member has any trouble, we are available via chat and phone at 720-479-7900 for any questions. You can also direct them to resources featured above in the applicant resources section of this page. This section features instruction documents and tutorial videos of our loan process and membership application.

We highly recommend waiting until the loan has been fully approved to ensure the project will be funded by Clean Energy Credit Union. After your customer has submitted the required documents and taken the necessary steps as shown in our loan instructions document, our underwriters will then be able to make a decision on the loan. The reason we recommend waiting is there is at least some risk that your customer may not provide the verification of income documents required, or sometimes they may choose to delay in establishing their membership with Clean Energy Credit Union, etc.

We offer payment terms of net 15.

The credit approval and loan terms associated with loan applications will be valid for up to six months from the date on which you were originally pre-approved. If your loan(s) are not fully funded/closed within this six-month time frame, then credit approval will expire, after which an extension may be possible – but not guaranteed – which may require us to re-underwrite your loan application. This may involve re-pulling and re-approving your credit, re-pricing your loan terms, and re-verifying your income, among other things.

Below is the link to login to the Blueprint loan application portal to originate new loans.