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Energy Efficient Mortgage Insurance Program

What is Energy Efficient Mortgage Insurance Program?

This program assists buyers or owners of home conserve money on utility bills by assisting them obtain loans to meet the expenses of implementing energy saving attributes to new or existing home as part of a Federal Housing Authority insured home purchase or refinancing mortgage.

Who is eligible for this program?

The Federal Housing Administration's (FHA) Energy Efficient Mortgage (EEM) program understands that lower utility expenses can help a house owner pay a higher mortgage to meet the expenditure of energyenhancements. Under the program, individuals may include the expenditure of energy-efficient enhancements to their loan amount. The borrower must be eligible for the part of the loan used to buy or refinance a house. Borrowers are not needed to be eligible on the part of the loan utilized for making energy-efficient improvements. All FHA-approved creditors are qualified to provide EEM to individuals who are buying or refinancing with an FHA-insuredloan.

Borrowers must be eligible for buying a house or refinance under FHA's minimum creditprerequisites. The energy-efficient enhancements must beeconomical, meaning that the total expenditure of the enhancements must be lower than the energy conserved over the estimated life of the enhancements.

An assessment of energy savings must be governed by a home energy rating report that is created by an energy consultant , using a Home Energy Rating System (HERS). The expenditure of the energy rating report and inspections may be funded with the cost-effective energy-efficient enhancements.

Loan Terms

Not applicable

Application Process

To acquire an FHA insured loan, contact an FHA-approved lender who is taking part in this pilot program: http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/title/ti_home

Program Contact Information

For further information about this program, visit:
http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/title/ti_home

To contact a HUD Housing Counseling agency, visit:
http://www.hud.gov/counseling/

To contact the Federal Housing Administration (FHA), please utilize one of the following methods:
Visit them at:
http://www.hud.gov

Write to them at:
U.S. Department of Housing and Urban Development
Federal Housing Administration
451 Seventh St., SW
Washington, D.C. 20410

Call them at:
1-800-CALL-FHA (1-800-225-5342) or
via Federal Information Relay Service (w/TTY): 1-800-877-8339

Email them at:
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