ENERGY STAR® Mortgage Offers Unparalleled Value for Financial Institutions Today

The ENERGY STAR Mortgage advantages include:

• Recognition by 70% of American households
• A brand that means “savings”
• The most powerful, trusted, and authentically green brand
• Strengthened portfolio potential
• A seamless turn-key opportunity
• A winning customer value proposition
• Qualified customer leads
• National, state, and local goodwill
• Carbon credits
• Bundled subsidies to further reduce customer loan costs
• Marketing
• An Opportunity to lead a growing market and strengthen your green reputation

Details of the ENERGY STAR® Mortgage value to lenders:

• Enormous market recognition: The ENERGY STAR brand is the most powerful green brand in our nation today, and is recognized by 70% of all American households.  More than 50 percent of households nationwide purchased at least one ENERGY STAR-qualified product in the last 12 months, influenced significantly by the presence of the ENERGY STAR logo.
• A brand that means “savings”:  The ENERGY STAR brand can meet your customers’ needs for a trusted and secure way to cut expenses and rebuild savings. In 2007 alone, ENERGY STAR helped Americans save $16 billion on utility bills.
• Trusted and authentically green:  For families hoping to shrink their carbon footprint through home energy retrofits, ENERGY STAR offers authentic, reliable, and credible branding. The ENERGY STAR Mortgage offers you a chance to align your reputation with lower energy costs.
• Strengthened portfolio potential: Customers who refinance with an ENERGY STAR Mortgage generate energy savings and can reduce mortgage costs. This translates into increased borrower residual income, strengthened repayment abilities, and the potential for improved portfolio stability. 
• Seamless turn-key opportunity: To use our brand license, a lender needs only to offer a mortgage product that meets our energy savings and customer value guidelines.
• A winning customer value proposition: Energy efficiency loans “twin” your customers’ savings: they can reduce energy bills at the same time they reduce mortgage costs. Our research shows that home energy retrofits of certain older homes can generate up to $1,000 in energy savings every year.
• Pre-qualified customer leads:  Participation in our ENERGY STAR Mortgage pilot entitles you to pre-qualified leads from seasoned community-based organizations and government agencies.
• National, state and local goodwill: ENERGY STAR lenders can tap into the enormous groundswell of local, state, and federal government interest in green retrofits and improved portfolio stability by offering mortgage products that can help reduce borrower costs while also generating energy savings.
• Carbon credits: As a lender, you can accumulate credits associated with the significant carbon reductions that ensue from your customers’ ENERGY STAR mortgage-financed home retrofits.
• Bundled subsidies We will bundle public and private energy subsidies, rebates, and discounts for your eligible borrowers, further reducing the costs of your customers’ loans.
• Co-marketing: Our ENERGY STAR Mortgage Web site will list and link to all our approved lenders’ Web sites. In addition, approved lenders may use EPA’s co-marketing collateral created for you.