With energy prices skyrocketing, consumers are looking for ways to reduce their energy bills.

As energy prices have risen, homebuyers and homeowners are increasingly feeling the pinch of the second largest expense of a home---energy.

An average of 15-30% could be saved on utility bills and make the home more comfortable and valuable just by upgrading the energy technology of the home.

Owners of homes built more than 15 years ago, a time when houses were consrtucted with less insulation and poorer windows, had less efficient heating and cooling systems and had appliances and water heaters that used more energy than todays models.

It was a time of cheap energy---a time that is now over.

Energy Inspections provide homeowners with a blueprint showing them how to operate their homes at maximum efficiency and minimum cost. The energy inspector makes a thorough examination of the house, checking insulation, windows, doors, heating and cooling systems, the water heater, appliances and checking for cracks and gaps where air maybe entering.

           One cup of name brand coffee = $4.00
           Filling up your gas tank = $52.00
           The ability to live more comfortably in
           your own home and lower your energy bills = $ priceless

We understand the need to save money in these tough economic times and thats why we offer low cost Energy Efficiency Inspections for your home.

“Energy Efficient Mortgages,” also known as EEMs, make it easier for borrowers to qualify for loans to purchase homes with specific energy-efficiency improvements. Lenders can offer conventional EEMs, FHA EEMs, or VA EEMs.

Conventional Energy Efficient Mortgages

Conventional EEMs can be offered by lenders who sell their loans to Fannie Mae and Freddie Mac. Conventional EEMs increase the purchasing power of buying an energy efficient home by allowing the lender to increase the borrower’s income by a dollar amount equal to the estimated energy savings. The Fannie Mae loan also adjusts the value of the home to reflect the value of the energy efficiency measures.

FHA Energy Efficient Mortgages

FHA EEMs allow lenders to add 100 percent of the additional cost of cost-effective energy efficiency improvements to an already approved mortgage loan (as long as the additional costs do not exceed $4000 or 5 percent of the value of the home, up to a maximum of $8000, whichever is greater). No additional down payment is required, and the FHA loan limits won’t interfere with the process of obtaining the EEM. FHA EEMs are available for site-built as well as for manufactured homes. The Manufactured Housing Research Alliance Web site has information about FHA EEMs for ENERGY STAR qualified manufactured homes.

VA Energy Efficient Mortgages

The Veteran’s Administration (VA) EEM is available to qualified military personnel, reservists and veterans for energy improvements when purchasing an existing home. The VA EEM caps energy improvements at $3,000–$6,000.

To learn more about EEMs contact Fannie Mae, Freddie Mac, the FHA or the VA. Additional information about writing energy-efficient mortgages can be found on the Web sites for the U.S. Department of Housing and Urban Development (HUD) and the Residential Energy Services Network (RESNET)