Earth Day is April 22nd, but you can make every day Earth Day with an Energy Efficient Mortgage (EEM). EEMs or “Green Mortgages” are available through FHA, VA and conventional financing. 
While there may be subtle differences in these programs, in all cases, the money you will save on energy is factored into your loan to help you:
* Purchase a home and invest in energy efficient upgrades with a single loan (no second mortgage is required).
* Qualify for a larger mortgage to pay for a house that is already energy efficient.
* Refinance to make energy improvements on your current home.
To qualify for energy efficient upgrades, your lender will help you find a professional energy rater to inspect the home and provide a detailed report. 
From there, you will know how much money you qualify for and decide what improvements you want to make. After the improvements are made, a second inspection takes place to verify that the proposed improvements have been completed and the energy savings are real.
Whether you’re buying a home or refinancing to improve your existing home, a Green Mortgage can help you reduce energy costs and increase the value of your home, while lowering your carbon footprint.
Give me a call if you would like to learn more about this type of financing!