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REALTOR'S CORNER
Everyday, more and more clients are asking about home energy audits. What is an audit? Where can I get one? How much do they cost? What can I expect from an audit?  Advanced Energy Solutions can help by hosting a seminar at your place of business to educate your staff on exactly what an audit is and what it's not. Certified Energy Audits are required by some lenders and  government agencies that offer incentive based weatherization programs. Recently, the City of Austin passed an ordinance requiring certain homes using Austin Energy to have an audit performed prior to the sale of the home. This is the future of energy conservation.


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What is an Energy Efficient Mortgage?

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 cost-effective, energy-saving measures as part of a single mortgage and stretch debt-to-income qualifying ratios on loans thereby allowing borrowers to qualify for a larger loan amount and a better, more energy-efficient home.

To get an EEM a borrower typically has to have a home energy rater conduct a home energy rating before financing is approved. This rating verifies for the lender that the home is energy-efficient.

EEMs are typically used to purchase a new home that is already energy efficient such as an ENERGY STAR qualified home. The term EEM is commonly used to refer to all types of energy mortgages including Energy Improvement Mortgages (EIMs), which are used to purchase existing homes that will have energy efficiency improvements made to them. EIMs allow borrowers to include the cost of energy-efficiency improvements to an existing home in the mortgage without increasing the down payment. EIMs allow the borrower to use the money saved in utility bills to finance energy improvements. Both EEMs and EIMs typically require a home energy rating to provide the lender with the estimated monthly energy savings and the value of the energy efficiency measures known as the Energy Savings Value.
The Environmental Protection Agency has a web page dedicated to Energy Efficient Mortgages. To view the page CLICK HERE.

   HOMEOWNER BENEFITS
ADDED CONFIDENCE

Home buying is complex enough without having to know all the details of energy-efficient construction. Instead, look for the government-backed ENERGY STAR label to easily identify homes that are truly energy efficient. Find the house of your dreams and enjoy peace of mind knowing that it also meets strict energy efficiency guidelines.

LOWER OWNERSHIP COST

Compared with standard homes, ENERGY STAR qualified homes use substantially less energy for heating, cooling, and water heating-delivering $200 to $400 in annual savings. Over the average 7 to 8 years you may live in your home, this adds up to thousands of dollars saved on utility bills. Additional savings on maintenance can also be substantial. Financing your home purchase using an energy-efficient mortgage can lead to better performance.

Properly installed energy-efficient improvements deliver better protection against cold, heat, drafts, moisture, pollution, and noise. An energy-efficient home helps ensure consistent temperatures between and across rooms, improved indoor air quality, and greater durability.
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