We are a Chicagoland leader in providing Energy Efficient Mortgages for borrowers. Energy Efficient Mortgages or EEMs are mortgages for borrowers in which part of the proceeds are used to finance upgrades to the property which improve the energy efficiency of the property.

EEMs allow lenders to add 100 percent of the additional cost of cost-effective energy efficiency improvements to an already approved mortgage loan (as long as the additional costs do not exceed $4000 or 5 percent of the value of the home, up to a maximum of $8000, whichever is greater).

No additional down payment is required. Some sample repairs include:

• Replacing a furnace/cooling system
• Fixing or replacing a chimney
• Insulating an attic, crawl space, and/or pipes and air ducts
• Replacing doors or windows
• Installing active and passive solar technologies

Your eco-friendly efforts mean big savings in terms of monthly utility savings. Just as important, you efforts like yours, multiplied over many times will make a difference for future generations.

Many other programs may be available as the market develops. Come to us with your ideas and we'll find the right EEM program for you.

Other Information

HUD Energy Efficient Mortgage Program