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Energy Efficient Mortgage – Green Mortgages

Wouldn’t it be great to buy a home that is already Energy Efficient? An Energy Efficient Mortgage, sometimes called a Green Mortgage, can help you do just that.

Some new homes are being built with Energy Efficiency in mind. These homes may have energy saving windows, improved insulation, energy efficient heating and cooling and more. These built in features will save homeowners money on their energy bills from day one and for years to come. In addition, a home like this may make you eligible for an Green Mortgage. Homeowners who want to make energy efficient improvements to their current home might also be able to take out a home equity loan or get a home mortgage refinance for those energy saving projects.

How a Green Mortgage Works

Because a more Energy Efficient Home will save the owner money on monthly energy bills, the owner can put more money towards the mortgage payment. The home buyer, therefore, could qualify for a larger mortgage which could mean a bigger house, better location and ultimately better resale value.

And… the homeowner gets an Energy Efficient Home.

Find lenders that offer Energy Efficient Mortgages
in the United States.

More on the Genworth Energy-Efficient Housing Program in Canada

More on discounts on loan insurance from CMHC in Canada

You Will Need a HERS Rating.

A Home Energy Rating Systems Rating, called a HERS Rating, is the evaluation of the Energy Efficiency of a home and is performed by accredited Home Energy Raters or Providers who will check insulation, windows, heating and cooling, water heating and air leakage. A home receives a score between 1 and 100, with a reference home used for comparison rating 80.

The HERS Rating can be done on any home in any location:

New Homes: raters will review drawings/blueprints.
Existing Home: raters will do an on-site inspection.

Fill Your New Home With Energy Efficient Appliances.

No matter what kind of home you have, Energy Efficient Appliances, both large and small, will help you save even more energy. Buying the right size and maintaining them properly will keep them running efficiently. And of course, start by looking for Energy Star!

What Other Visitors Have Said

Click on the links below to see what other people have to say about their roofing.

Practical Advice on Types
of Household Insurance 

Household insurance , synonymous with home insurance, is typically made up of two different policies: Buildings insurance and contents insurance. One

Updated: March 19, 2016 — 12:52 am

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