Energy Efficient Mortgages
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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.

http://www.energystar.gov/index.cfm?c=bldrs_lenders_raters.energy_efficient_mortgage

 

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