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	<title>Free Home Energy Saving Tips &#187; home loans</title>
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	<description>Save Energy, Save Money, Live Better!</description>
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		<title>What makes a home energy efficient?</title>
		<link>http://www.utilitybillbusters.com/articles/home-energy-tips/what-makes-a-home-energy-efficient/</link>
		<comments>http://www.utilitybillbusters.com/articles/home-energy-tips/what-makes-a-home-energy-efficient/#comments</comments>
		<pubDate>Thu, 29 Jan 2009 15:50:12 +0000</pubDate>
		<dc:creator>David Andersen</dc:creator>
				<category><![CDATA[Home Energy Tips]]></category>
		<category><![CDATA[contractors]]></category>
		<category><![CDATA[efficiency]]></category>
		<category><![CDATA[energy audits]]></category>
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		<category><![CDATA[home loans]]></category>
		<category><![CDATA[mortgages]]></category>
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In a recent post, I talked about the Energy Efficient Mortgage, or EEM for short. In order to qualify, a certified energy rater must come to the home and look in specific areas to determine the home&#8217;s efficiency.
What exactly are they looking for?

An energy envelope that is efficient and free of leaks. A building energy envelope is the area surrounding the home or building that affects its energy usage. Typically, this includes the actual frame and construction of the home, the ducts inside the home, windows, doors, insulation, building materials, ...]]></description>
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		<title>The Energy Efficient Mortgage &#8211; what a concept</title>
		<link>http://www.utilitybillbusters.com/articles/uncategorized/the-energy-efficient-mortgage-what-a-concept/</link>
		<comments>http://www.utilitybillbusters.com/articles/uncategorized/the-energy-efficient-mortgage-what-a-concept/#comments</comments>
		<pubDate>Thu, 29 Jan 2009 15:33:46 +0000</pubDate>
		<dc:creator>David Andersen</dc:creator>
				<category><![CDATA[contractors]]></category>
		<category><![CDATA[efficiency]]></category>
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		<category><![CDATA[home loans]]></category>
		<category><![CDATA[mortgages]]></category>
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Believe it or not, there is a program out there called the Energy Efficient Mortgage, or EEM for short. Not all lenders will recognize this, but this appears to be a federally backed program that helps buy homeowners and buyers finance and improve their home&#8217;s energy efficiency &#8211; which in turn boosts the assessed value of the home.

Basically, it rewards homeowners (or prospective homeowners) who have or will buy energy efficient homes by appraising them at a higher price. So a $250,000 appraised house becomes worth $260,000. That&#8217;s a difference ...]]></description>
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