Through the HELP program, a loan-loss reserve fund guarantees loans made by the City Credit Union for energy efficiency improvements.  HELP targets those homeowners who do not qualify for other weatherization programs available to low-income citizens.  Those who may qualify include owner-occupants of residences located in the City of Independence.  The residence must have four or less dwelling units.  The loan applicant must own the entire residence and occupy at least one dwelling unit.  Non-residential properties, multi-unit apartment buildings and mobile homes do not qualify.  Residents who qualify for free or low-cost weatherization programs are encouraged to take advantage of those programs before seeking loans through HELP.