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Energy Efficient Mortgages : ENERGY STAR
An Energy Efficient Mortgage (EEM) is a mortgage that credits a home's energy efficiency in the mortgage itself. EEMs give borrowers the opportunity to finance .
http://www.energystar.gov/index.cfm?c=mortgages.energy_efficient_mortgages

What is an ENERGY STAR mortgage? : ENERGY STAR
The ENERGY STAR Mortgage program offers consumers lower borrowing costs for financing the purchase of an ENERGY STAR qualified home or for financing .
http://www.energystar.gov/index.cfm?c=mortgages.energystar_mortgages

Energy Efficient Mortgage Homeowner Guide - HUD
THE ENERGY EFFICIENT MORTGAGE means comfort and savings. When you are buying, selling, refinancing, or remodeling your home, you can increase your .
http://portal.hud.gov/hudportal/HUD/program_offices/housing/sfh/eem/eemhog96

HUD FHA Insured Energy Efficient Mortgages
FHA's Energy Efficient Mortgage program (EEM) helps homebuyers or homeowners save money on utility bills by enabling them to finance the cost of adding .
http://portal.hud.gov/hudportal/HUD/program_offices/housing/sfh/eem/energy-r

Benefits of Losing the mortgage energy

Green Mortgages - Energy Efficient Mortgages - Green Mortgage ...
Before going with a conventional mortgage, there are somethings you need to know about Green & Energy Efficient Mortgages. They are not just for treehuggers .
http://www.greenmortgagecompany.com/

Energy Mortgage - RESNET
RESNET offers efficient mortgage loan program helps current or potential homeowners significantly lower their monthly utility bills by enabling them to .
http://www.resnet.us/ratings/mortgages

Energy Efficient FHA Loans
The Energy Efficient Mortgage Loan program helps current or potential homeowners significantly lower their monthly utility bills by enabling them to incorporate .
http://www.fha.com/energy_efficient.cfm

Green mortgages save on energy, loan costs
Want to save on your home loan and be more energy efficient? Learn more about home loans at Bankrate.com today!
http://www.bankrate.com/finance/mortgages/green-mortgages-save-on-energy-loan-costs-1.aspx

Meeting the Requirements

As far as your lender is concerned, here are the typical requirements you usually must meet to eliminate your escrow account:

  • Your mortgage is at least one year old, and you have made on-time payments consistently for the entire year
  • LTV (loan-to-value ratio) has to be under 75%
  • Loan has to be a conventional loan (VA and FHA loans typically cannot shed their escrow accounts; it is part of the condition of a government-backed loan)
  • No taxes or insurance payments can be due in the next 30 days

OR mortgages : EEM : Energy Efficient Mortgage : Energy Star Lender
The Energy Efficient Mortgage means comfort and savings. When you are buying , selling, refinancing, or remodeling your home, you can increase your comfort .
http://www.homelinq.com/EEM

Making the Payments Each Year

Energy Improvement Mortgage Definition | Investopedia
Energy Improvement Mortgage - Definition of Energy Improvement Mortgage on Investopedia - A mortgage that sets money aside for home improvements that .
http://www.investopedia.com/terms/e/energy-improvement-mortgage.asp

What is MyEnergyLoan?
The myEnergyLoan is a energy efficient mortgage program created out of the clear need to provide mortgage-related financial incentives for energy efficient and .
http://www.myenergyloan.com/

Federal Energy-Efficient Mortgages
Homeowners can take advantage of energy efficient mortgages (EEM) to either finance energy efficiency improvements to existing homes, including renewable .
http://www.dsireusa.org/incentives/incentive.cfm?Incentive_Code=US36F&re=1&ee=1






Green Mortgage - Energy Efficient Mortgages - The Daily Green
The green mortgage was born in 1979 when President Jimmy Carter signed an executive order directing federally-sponsored secondary market institutions to .
http://www.thedailygreen.com/going-green/tips/green-mortgage


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Comments to How to Break Free from Your mortgage energy

  1. Energy Savers: Energy-Efficient Mortgages and Financing
    Jun 15, 2011 . The following Web sites offer information on energy-efficient financing programs, including mortgages, home improvement loans, refinancing, .
    http://www.energysavers.gov/financial/index.cfm/mytopic=70030

    Energy Efficient Mortgage Program (EEM) - iLoan
    FHA's Energy Efficient Mortgage program (EEM) helps homeowners or home buyers save money on utility bills by enabling them to finance the cost of adding .
    http://iloanhomemortgage.com/borrowers/choosing-your-iloan-mortgage-program/energy-efficient-mortgage-program-eem/

    wrc1000

  2. Great idea – why give the mortgage company an interest-free loan?

    Home Construction - Energy Efficiency Mortgages
    This page is about energy efficiency mortgages for california consumers.
    http://www.consumerenergycenter.org/home/construction/mortgages.html

    Is Your Mortgage Energy Efficient? - Environment - GOOD
    Aug 18, 2010 . A proposed bill would require banks to factor in the energy costs of a borrower. Grist.
    http://www.good.is/post/is-your-mortgage-energy-efficient/

    Energy Mortgage, Energy Improvement Mortgage, Energy Efficient ...
    Energy Mortgages. An energy mortgage is a mortgage that credits a home's energy efficiency in the home loan. For homes in which the energy efficiency can be .
    http://www.hudpass.com/energy_ratings_eem.html

    Green Mortgages for Energy Efficiency and Energy Conservation ...
    A green mortgage simply is a type of mortgage that provides you a money-saving discount or a bigger loan than normally permitted as a reward for energy .
    http://www.thedailygreen.com/living-green/definitions/green-mortgages

    Energy Efficiency Mortgages, Energy Improvement Mortgages ...
    myEnergyLoan is national network of mortgage lenders, real estate agents, and energy contractors working together.
    http://www.buildingscienceenergyservices.com/finance/secured

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  3. FHA's Energy Efficient Mortgage (EEM) Fact Sheet
    FHA's Energy Efficient Mortgage (EEM). Fact Sheet. As the single largest housing expense after a mortgage payment, your utility costs can have a direct .
    http://www.energystar.gov/ia/partners/bldrs_lenders_raters/EEM_Fact_Sheet.pdf

    Senate bill would make energy-efficient mortgages mainstream | Grist
    Aug 18, 2010 . “Energy-efficient mortgages” have been available for years, running on the premise that borrowers who spend less on utility bills have more .
    http://grist.org/cities/2010-08-18-bennet-bill-would-make-energy-efficient-mortgages-mainstream/

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  4. VA Pamphlet 26-7 [3.17] Energy Efficiency Mortgages (EEMs ...
    Energy Efficient Mortgages refer to loans for the acquisition of an existing dwelling and the cost of making energy efficiency improvements to the dwelling.
    http://www.resnet.us/lenders/va_26_7

    Edwin

  5. HUD FHA Insured Energy Efficient Mortgages
    Welcome to FHA's home page for FHA-insured Energy Efficient Mortgages (EEM) . The following links should help you learn about how to make your home more .
    http://portal.hud.gov/hudportal/HUD/program_offices/housing/sfh/eem/eemhome

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  6. Opulent Mortgage - Energy Corridor - Houston, TX
    Opulent Mortgage Houston reviews by real people. Yelp is a fun and easy way to find, recommend and talk about what's great and not so great in Houston and .
    http://www.yelp.com/biz/opulent-mortgage-houston

    Solution Center: Energy Efficient Mortgages
    Mar 10, 2011 . 1) EE mortgages that give buyers a better rate or more borrowing capacity to buying a house that is already certified energy efficient.
    http://www1.eere.energy.gov/wip/solutioncenter/financialproducts/energyefficientmortgages.html

    Thanks for the question!

    Energy Efficiency and Commercial-Mortgage Valuation
    1 Introduction. 1. 2 Traditional Commercial Mortgage Underwriting. 3. 3 The Geography of Energy Risk in the U.S.. 5. 4 Underwriting Mortgage Energy Risk. 9 .
    http://faculty.haas.berkeley.edu/jaffee/Papers/DOE2913.pdf

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  7. Information on Energy Efficient Mortgage
    Tips on why an Energy Efficient mortgage makes more financial and enviromental sense from the Methow Valley real estate experts.
    http://www.cbwin.com/energy-efficient-mortgage_317.html

    Understanding and Overcoming the Energy Mortgage Barrier ...
    Success with energy improvement mortgages (EIMs) is limited to the few . term “ Energy Improvement Mortgage” or EIM to refer to mortgage financing of energy .
    http://www.energyratings.org/resources/documents/whitepaper.pdf

    jimmy37

  8. An EEM-pressive Mortgage Option
    Choose energy efficient mortgage option and qualify for a larger loan for your dream home loan.
    http://www.realtor.com/home-finance/mortgages/energy-efficient-mortgage-option.aspx

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  9. VA Energy Efficient Mortgage - VA Mortgage Center.com
    Read about the Energy Efficient Mortgage provided by the VA.
    http://www.vamortgagecenter.com/energy-efficient-mortgage.html

    LC

  10. Excellent post!

    Why Is the Energy Improvement Mortgage So Lonely?
    Jan 12, 2011 . A high percentage of houses that are bought or refinanced are excellent candidates for an Energy Improvement Mortgage (EIM). Get the scoop .
    http://www.energyvanguard.com/blog-building-science-HERS-BPI/bid/35041/Why-Is-the-Energy-Improvement-Mortgage-So-Lonely


    Tax Credits, Energy Efficient Mortgages, Environmental Points with ...
    PBS SIPS provides information and links to help with an understanding of Federal and Regional tax incentives, a look into Energy Efficient Mortgages for .
    http://www.premiersips.com/product-resources/credits-points/

    FV

  11. Geothermal Energy - Saving Money on Your Home and Mortgage
    Geothermal energy is gotten from the heat that exists below the earth. Geothermal energy has been in use since the Paleolithic era. To get this energy, water .
    http://www.mortgagecalculator.org/helpful-advice/geothermal-energy.php

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  12. RBC Energy Saver Mortgage - RBC Royal Bank
    The RBC Energy Saver Mortgage is a green financing solution that can help you meet your goals faster and qualify for a $300 rebate on a home energy audit.
    http://www.rbcroyalbank.com/mortgages/energy-saver-mortgage.html

    DS

  13. what about new jersey jurisdiction for escrow account , I realy need to eliminate this account, specially with this high real estate taxes in new jersey which consider as double your mortgage payments

    Ashraf Soliman

  14. Residential Energy-Efficiency Finance and Mortgage Policy Reform
    IMT works to advance energy efficiency in the residential sector by overcoming financing barriers in mortgage underwriting, appraisal practices and consumer .
    http://www.imt.org/residential-finance.html

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  15. Conventional Energy Efficient Mortgage
    The conventional Energy Efficient Mortgage is designed to help home buyers add energy efficient features to their existing homes or to new homes they .
    http://www.mortgage101.com/article/conventional-energy-efficient-mortgage

    Teresa




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