If you feel that energy conservation in your home is something that you can achieve, but need help with the investment to make all the improvements in your home, you may want to check out an Energy-Efficient Mortgage (EEM). You can get a loan towards the improvements of your house if the overall savings in the utilities are greater than the cost of the home improvements. Ask your energy auditor to help you determine the break even point where your costs match your savings, and savings will begin to take place. In the long term, great savings can be reaped by performing these home improvements.

Energy-Efficient Mortgages are a lot like normal mortgages, except you use the money for home improvements. Interest rates are usually low and payments and terms are negotiable. There are many lenders who offer this mortgage, so ask around or go to your local bank to see if there is someone who can help you. There are more papers to fill out and you must get an energy audit before applying for an EEM. The energy auditor can assist you and the lender in getting everything ready for the application process of the EEM. It takes the work off of both you and the lender.

By making home improvements you can save a lot of money on your utility bills and at the same time conserve energy. It’s a win-win situation for both your pocket book and environment.

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