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The following article was published in our article directory on December 2, 2013.
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San Diego Real Estate: The Process of Having Energy-Efficient Homes in the State

Article Category: Real Estate

Author Name: Kari Shea

Benefits from energy-efficient home financing are available for those who plan on selling, remodeling, refinancing or buying a property. San Diego real estate markets allow buyers to qualify for more expensive homes if they are shopping for energy-efficient property through energy-efficient mortgages (EEM). EEM involves reduced costs of utilities, which allows buyers to afford mortgage payments that are more expensive.

Applying for Energy-Efficient Financing

Individuals can apply for energy-efficient financing through either conventional loan programs or government-insured ones. In some states, the programs are created specifically for the residents of a certain community. With this in mind, be sure to contact your state energy office or San Diego real estate authorities for the appropriate proceedings and other information.

In the San Diego real estate market, EEMs are designed for either existing homes or new property. An EEM allows you to buy or refinance property that has already been energy-efficient. You can also purchase or refinance one that hasn't had the necessary energy saving improvements yet, but will soon. Many financing programs offer both EEMs, as well as loans for home improvements dedicated to raising the level of energy efficiency of your home.

Understanding Home Energy Ratings

To qualify for an EEM, a home energy rating will help you by letting you (as well as the lender) know the status of a particular home in terms of energy efficiency. Ratings commonly include energy audits conducted by a professional rater (certified under accredited home energy rating system / HERS). The state of California has its own regulations, but in most other states , most HERS raters have already been integrated through the Residential Energy Services Network (RESNET). Homes are rated on a scale of 0 to 150. The lower the score is, the higher the energy efficiency of the home is .

The rater inspects all features that affect energy usage , including window efficiency, air leakage, insulation levels and heating and cooling systems. At the end of the inspection, the rater will conclude the findings about the energy rating of the home. This will also include an estimate of its yearly energy usage and costs. Energy updates and estimated costs, calculations of possible yearly savings and payback (how long the improvements' savings will take to equal the cost) may also be recommended in the report.

To qualify for energy-efficient financing, the rater's report should say that the home is energy-efficient, or at least it will be once the suggested upgrades have been put into place. The report must show that the improvements will be cost-effective as well – that these upgrades will be able to save even more money compared to the amount loaned to implement them.

The lender will recognize these savings and will then add the improvements' costs into the San Diego real estate mortgage. On the other hand, if the home is already energy-efficient at the time, the lender will then stretch the debt-to-income qualifying ratio.

Benefits for San Diego Real Estate Buyers and Sellers

For buyers, refinancers, re-modelers or sellers of San Diego real estate energy-efficient homes, the benefits lie in qualifying for a home that is more expensive.

Keywords: real estate, real estate marketing, san diego real estate, real estate and social media, online real estate services, real estate for sale, california real estate

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