Septic replacement, covered by Suffolk County
The SCSIP grant covers up to $30,000 of an I/A septic install. We handle the paperwork, you sign two forms. For everything else, 0% financing is available with a 2-minute soft-pull pre-qualification.
Grants and financing for cesspool work
The SCSIP grant + 0% financing combination has saved most of our south-shore I/A customers over $25,000 on out-of-pocket cost.
SCSIP Grant up to $30k
- Up to $30,000 toward an I/A nitrogen-reducing septic system
- We handle the entire grant application
- Suffolk County homeowners qualify (income limits apply)
- Total out-of-pocket on a typical $34k system: ~$4k–$8k
0% for 18 Months
- No interest if paid in full within 18 months
- Minimum $5,000 project
- 680+ credit score typical approval
- Monthly payment example: ~$835/mo on $15,000
Low Fixed Rate
- Fixed monthly payments for 5, 7, or 10 years
- No prepayment penalties
- Spread larger replacement projects over time
- Monthly payment example: ~$175/mo on $15,000 over 10yr
How the process runs
From walk-through to install, including grant + financing handling.
Site visit + scope
Tom walks the property, locates the system, identifies whether you're a SCSIP candidate.
Written quote within 48 hrs
Line-item quote with grant offset and financing options shown side by side.
Apply (we do it)
We fill out SCSIP paperwork or financing application. Soft credit pull only at this stage.
Schedule and pay over time
Permit pulled, install scheduled, system installed. Pay grant difference plus financing.
Grant & financing FAQ
The Suffolk County Septic Improvement Program (SCSIP) provides up to $30,000 toward the installation of an I/A OWTS (Innovative/Alternative Onsite Wastewater Treatment System). These nitrogen-reducing systems are required in many wellhead-protection zones and along the south shore. Income limits and property eligibility apply, but most Suffolk homeowners with cesspool failure qualify.
We do. Tom and Marie have walked dozens of homeowners through SCSIP applications. We complete the forms, gather contractor documentation, and submit on your behalf. You sign two forms. The county does the rest.
The initial pre-qualification is a soft pull and does not affect your credit score. A hard inquiry only happens if you choose to proceed with the full application after seeing your pre-qualified terms.
Most of our lending partners approve at 640+. The 0% promotional offers typically require 680+. If your score is below 640, we can still explore options. Call Marie and we'll figure it out.
No. We don't require any deposit whether you finance or pay out of pocket. You pay at completion. That's how it should work.
Yes. All of our financing options have zero prepayment penalties. If you come into some money and want to pay it off, do it. You won't be charged extra.
We work with GreenSky, Service Finance, and EnerBank. All are established home improvement lenders. You deal with them for monthly payments, not us.
Want to know if you qualify for SCSIP?
Call Marie or fill out the form. We'll check your address against the Suffolk County eligibility map and walk you through the math during the site visit.
or fill out the form, it takes 20 seconds
Schedule a walk-through
Five fields. We take it from there.