Energy Efficient Mortgage

The energy efficient mortgage means comfort and savings.

When you are buying, selling, refinancing, or remodeling your home, you can increase your comfort and actually save money by using the Energy Efficient Mortgage (EEM). It is easy to use, federally recognized, and can be applied to most home mortgages. EEMs provide the borrower with special benefits when purchasing a home that is energy efficient, or can be made efficient through the installation of energy-saving improvements.

Home owners with lower utility bills have more money in their pocket each month. They can afford to allocate a larger portion of their income to housing expenses. If you have more cash, why not buy a better, more comfortable home? There are two options with the Energy Efficient Mortgage.

Who benefits the most from energy efficient mortgage?


Qualify for a larger loan on a better home!
Get a more comfortable home NOW.
Save money every month from Day One.
Increase the potential resale value of your home.


Sell your home more quickly.
Make your house affordable to more people.
Attract attention in a competitive market.


Get all the EEM benefits without moving.
Make improvements which will actually save you money.
Increase the potential resale value of your home.

Pay for energy improvements easily, through your mortgage. Your lender can increase your loan to cover energy improvement costs. Monthly mortgage payments increase slightly, but you actually save money because your energy bills will be lower!

An EEM can only be done if an official home energy rating, or HERS Report, indicates that it will save you money.

For more informaion about Energy Efficient Mortgage visit the Federal Citizen Information Center web site.