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UPDATE AS OF 08/12/2021: Mariner’s branches remain open to the public; however, for the safety of our customers and employees, all visitors and employees are required to wear masks. (Click here for more info)

Looking for ways to stay “green” during your next home improvement project? Perfect! The good news is there are lots of ways you can not only improve your home’s look, but also it’s energy efficiency which can save you money for years to come. Apply for a loan for home improvement today!

First – Discover the Energy Efficiency of Your Home

A good start to an Eco-Friendly home improvement project is determining your home’s annual energy use. You can visit the EPA’s website and use their Home Energy Yardstick. This tool provides a simple assessment of your home’s annual energy use compared to similar homes. By answering a few basic questions about your home, you can get:

  • Your home’s Home Energy Yardstick score (on a scale of 1 to 10);
  • Insights into how much of your home’s energy use is related to heating and cooling versus other everyday use like appliances, lighting, and hot water;
  • Links to guidance from ENERGY STAR on how to increase your home’s score, improve comfort, and lower utility bills.

If your home scores lower than a five on the Home Energy Yardstick assessment, this means that your energy use is above average and that you are probably paying more than you need to on your energy bills.

Home Insulation

Insulating your home will add to your comfort, create a healthier home environment, reduce your energy bills, and have a positive environmental impact. There are a number of Energy Star rated insulation products on the market too! Overall, insulation will keep your home cooler in the summer and warmer in the winter. This will reduce the amount of heating and cooling appliances you need to use to keep your home comfortable. In order to maximize the benefits of installing insulation in your  home, make sure to insulate your attic to recommended levels, including the attic door or hatch cover, and to provide the recommended level of insulation under the floor, above unheated spaces, around walls in a heated basement or unventilated crawl space, and on the edges of slabs-on-grade. When remodeling or residing your house, consider using the levels recommended for new construction in your existing walls.

Add a Programmable Thermostat

Another way to cut energy costs is with a programmable thermostat. If you’re looking to cut back expenses, you will usually see return on investment from your programmable thermostat within one year. When used properly, this device can save residents about $180 annually. In order to maximize your energy savings using your programmable thermostat, during eight hour periods when your home is empty or when you are sleeping, dial back your thermostat a few degrees. This alone will cut your energy bill by 10-15%! In addition, take advantage of your programmable thermostat’s vacation setting if you will be away for a few days. Your thermostat will automatically decrease its usage and can return to normal settings when you return with the push of a button.

New Energy Efficient Windows

Replacing old windows with Energy Star certified windows lowers household energy bills by 7-15%. Their improved frame materials reduce heat transfer and insulate better, and they have special glass coatings that keep heat inside in the winter and outside in the summer.  Reducing your energy consumption reduces greenhouse gas emissions from power plants and shrinks your house’s carbon footprint. Shopping for new windows, doors, and skylights can be a confusing process. Energy Star makes it simple! All Energy Star qualified products must display the Energy Star label. Check the label to make sure the product you are considering qualifies in your area.

Replace old equipment with energy efficient heating, ventilating, and air conditioning units

Replacing an outdated HVAC system with a more energy-efficient one can lower your monthly energy bills. If your heat pump or air conditioner is more than 10 years old, this option might be right for you. But before considering this project, it’s essential to make sure your home is as well-sealed and insulated as possible. Again, look for Energy Star models, which are about 10-15% more efficient than standard models. Replacing an old, inefficient system with an Energy Star-rated model can save you about $200 per year on your utility bill, plus make your house more comfortable by helping to maintain a uniform temperature throughout your home.

Blog posts are for informational purposes only.

†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.



California Residents: Loans made or arranged pursuant to a California Financing Law license.

VA Residents – Mariner Finance of Virginia, LLC, Licensed by the Virginia State Corporation Commission, Consumer Finance Company License No. CFI-114.


Mariner Finance, LLC, NMLS No. 166564 (
8211 Town Center Drive, Nottingham, MD 21236. Telephone Number 877-310-2373.

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