FHA’s Energy Efficient Mortgage (EEM)

FHA’s Energy Efficient Mortgage (EEM) relies on a type of home energy audit that uses the Home Energy Ratings System tool (HERS).  Lenders and homeowners can find auditors who are trained to use the HERS tool.

Energy Raters and Auditors are professionals trained and certified in energy efficiency, combustion safety and building analysis.

EEM Notice For FHA Partners:

FHA’s Energy Efficient Mortgage (EEM) relies on a type of home energy audit that uses the Home Energy Ratings System tool (HERS).  Lenders and homeowners can find auditors who are trained to use the HERS tool from the following web page: http://www.resnet.us/trade/find-raters-auditors

Some states provide rebates that are tied to certain audit/auditor requirements, which may be different from FHA’s requirements.  Requirements set by rebate providers do not replace FHA’s EEM requirement for a HERS audit that is conducted by a qualified home energy rater.  Please check the information from rebate providers for their specific rebate requirements. 

Be sure to visit FHA’s EEM Home page for more information about its EEM program: http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/eem/eemhome  The EEM Home page provides number of resources, including: a sample EEM worksheet, which helps lenders calculate the maximum EEM loan amount, and  a Cross Reference Tips sheet, which consolidates many of the EEM rules by category.

For technical support on Energy Efficient Mortgages, or any other FHA program, please contact the FHA Resource Center at: www.hud.gov/answers  You can also get email technical support at: answers@hud.gov

Source: http://www.resnet.us/trade/find-raters-auditors

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