When you are buying or refinancing 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 loans.  EEMs
provide the borrower with special benefits when
purchasing a home that 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 espenses.  If you have more cash,
why not buy a better, more comfortable home?

THIS IS WHY THE EEM WORKS

  Energy-efficient homes cost less to own than non-efficient homes.

                               Without     With
                               EEM           EEM















Source: U.S. Dept. of Energy

*Estimated mortgage payments are based upon principal and interest only, and do not include taxes and
**Values indicated here are for example only, and will vary from home to home.


Without Energy Improvements
 Cost per Year: $2,232

                                
 With Energy Improvements
  Savings per Year $1,117
(Utility Cost + Tax Deductible Interest)

This home qualified for $4,816 in upgrades.  With the EEM, lenders recognize the savings
the upgrades will bring.   Borrowers may use these potential savings like extra cash, and
add the cost of upgrades into the mortgage, paying them off easily as part of the monthly
mortgage payment.  Once the upgrades are installed the potential savings turn into real
savings.

So now you know the benefits....Now's the time to know the
process!

Four Easy Steps

Step One
An Independent Certified HERS Rater performs an energy audit.  The rater will then
provide you a report on the energy efficiency of the home you are purchasing.

Step Two
From the HERS energy audit, Smart Energy Solutions prepares you a detailed
description of your available energy improvement options.
You may pick and choose which cost-effective, energy improvements you wish want or
need.

Step Three
Smart Energy Solutions then prepares and delivers the required documentation to your
mortgage company, instructing them to include the funds into your loan balance to pay
for the energy improvements.

Step Four
After your escrow closes, the energy improvements are then installed at your
convenience, usually in two weeks.  Now, just enjoy your home!