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Energy Efficient Mortgages (EEM)

An Energy Efficient Mortgage lender will give credit for a home's energy efficient features.  This projected value is factored into the buyer's purchasing income.  A home is considered to be energy efficient when rated at 80 points or higher.  With an energy rating you can take advantage of an Energy Efficient Mortgage by:

With an Energy Efficient Mortgage, you can buy more home rather than more energy.

Energy Improvement Mortgages (EIM)

An Energy Improvement Mortgage lender finances cost-effective improvements that are recommended in an energy rating.  The cost of improvements can be included in the amount financed at the time of sale or refinancing.  The rating provides information on the relative economic return of the improvements.  It also helps the lenders to verify the energy improvements being considered.

* Potential energy improvements include items such as:

*  The ability to finance these, and other improvements, depends on the cost-effectiveness of the improvements, on the overall energy report, and the loan program being used.  For complete details, please consult with the mortgage facilitator or lender's representative.

Energy mortgages are sponsored by both federally insured mortgage programs such as FHA, VA and the conventional secondary mortgage market, Fannie Mae and Freddie Mac.

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If your local bank does not participate in Home Energy Efficient or Improvement Mortgages, Home Energy Concepts will be glad to request their support.

Send mail to HEC@homeenergyconcept.com with questions  or comments about this web site.