I just found out about a program that I think is really cool.
MasSAVE Energy Loans There is a program that can qualify you for a 0% APR loan for up to 7 years!!!
If you are planning on doing a home improvement in 2009 that would qualify you might want to call and check it out. The program ends on December 31 2009.
**I have posted to open rather than local so if a non-local has a Mass-friend you can let them know about this**