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Lender Guide to Energy Efficient Mortgages

The following is an overview of Energy Efficient Mortgages (EEMs) and a collection of documents and information that have been issued by the listed organizations with guidelines for how to issue and manage EEMs.

Overview of Energy Efficiency Financing

HUD/FHA Guidelines

• HUD Overview of EEMs

• Mortgagee Letter 05-21
  HUD's Energy Action Plan and Energy Efficient Mortgages

• Mortgagee Letter 98-02
  Single Family Production - Applying the HUD Rehabilitation Energy Guidelines to the Section 203(k) Rehabilitation Mortgage Insurance Program

• Mortgagee Letter 97-22
  Single Family Loan Production - FHA New Construction, Inspection, and Appraisal Requirements

• Mortgagee Letter 97-10
  Single Family Loan Production - Energy Efficient Mortgages on Section 203(h) Mortgages for Disaster Victims Areas

• Mortgagee Letter 95-46
  Single Family Loan Production - Expansion of the Energy Efficient Mortgage Program

• Mortgagee Letter 93-35
  Single Family Loan Production - Compliance with the 1992 Model Energy Code - Additional Instructions and Follow-Up to Mortgagee Letter 93-26

• Mortgagee Letter 93-29
  Single Family Loan Production - Miscellaneous Policy Issues

• Mortgagee Letter 93-26
  Single Family Loan Production - Implementation of Section 101 of the Energy Policy Act of 1992

• Mortgagee Letter 93-13
  Single Family Loan Production-Energy Efficient Mortgage Pilot Program

  • Attachment A
    Effect On Mortgage Amount Of Energy Efficient Improvements

  • Attachment B
    Energy Efficient Mortgage Worksheet & Present Value Factor Table

  • Attachment C
    Energy Efficient Mortgage Pilot Program

Fannie Mae Guidelines

• Check back in early 2010 for new documents

Veterans Administration Guidelines

• VA Pamphlet 26-7
  Energy Efficiency Mortgages

Key National Contacts
Glossary Of Energy Efficiency Financing Terms
Credits