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Energy Efficient Mortgage Insurance
undefined Energy Efficient Mortgage Insurance?
undefined Energy Efficient Mortgage Insurance?
The borrower must qualify for the portion of the loan used to purchase or refinance a home. Borrowers are not required to qualify on the portion of the loan used for making energy-efficient upgrades. All FHA-approved lenders are eligible to offer EEM to persons who are purchasing or refinancing with an FHA-insured mortgage.
Borrowers must qualify for a home purchase or refinance under FHA's minimum credit requirements. The energy-efficient improvements must be cost-effective, meaning that the total cost of the improvements must be less than the energy saved over the expected life of the improvements.
An estimate of energy savings must be determined by a home energy rating report that is prepared by an energy consultant using a Home Energy Rating System (HERS). The cost of the energy rating report and inspections may be financed with the cost-effective energy-efficient improvements.
undefined Energy Efficient Mortgage Insurance?
Not applicable
undefined Energy Efficient Mortgage Insurance?
To obtain an FHA insured mortgage, contact an FHA-approved lender who is participating in this program.
To read more about this program, visit the HUD program page.
Contact a U.S. Department of Housing and Urban Development (HUD) Housing Counseling agency.
To contact the Federal Housing Administration (FHA), please use one of the following methods:
Visit:
The FHA Resource Center
Write to:
U.S. Department of Housing and Urban Development
Federal Housing Administration
451 Seventh St., SW
Washington, D.C. 20410
Call:
1-800-CALL-FHA (1-800-225-5342) or via Federal Information Relay Service (w/TTY): 1-800-877-8339
Email:
answers@hud.gov
