Saint Paul Homeowners can take advantage of a limited-time home improvement loan for insulation and air sealing, and furnace or boiler replacement.

Energy Smart Homes deferred loans have no household income limit, apply zero interest, and are repayed only upon the sale of the borrower's home.

Due to the expected popularity of this program, all interested homeowners need to enter a lottery by June 11, 2010.

Please find all of the details here.