Quick Links Results
Presentation describing AFC First's (a lender's) aggressive underwriting and smart product delivery as part of the Keystone HELP program.
Presentation describing NYSERDA's alternative underwriting approach for its target market.
Highlights a Clean Energy Works Oregon (now Enhabit) program that provides outreach, education, incentives, and low interest, on-bill financing. Using alternative underwriting practices, Clean Energy Works Oregon (now Enhabit) has achieved a rejection rate of just 10% while also maintaining a low loan default rate.
This document provides sample policy language based on a synthesis of existing state and local policies, and discussion on key provisions, for the design of a commercial benchmarking and disclosure policy.
This summary from a Better Buildings Residential Network peer exchange call focused on energy benchmarking and building disclosure policies.
A template agreement that addresses the full energy efficiency or renewable energy loan origination cycle.
This report provides information on how access to energy use data can help local governments create policies for benchmarking and disclosing building energy performance for public and private sector buildings.
This report provides information on how supporting access to building benchmarking data can help utilities increase efficiency and drive down energy demand.
This report provides information on how energy use data access can help state governments lead by example through benchmarking and disclosing results and implement benchmarking policies for the private sector.
This report is intended to serve as a guide for policymakers and multifamily stakeholders on benchmarking and disclosure rules and regulations. It provides an introduction to the multifamily housing sector, followed by a thorough review of existing benchmarking and disclosure policies and an assessment of continuing policy challenges and opportunities.
This is a Tip for Success
This is a Tip for Success
This policy brief describes how NYSERDA's Assisted Home Performance with ENERGY STAR Program increases access to financing through tiered underwriting criteria.
This presentation provides an overview of the CNT Energy and National Home Performance Council white paper "Unlocking the Value of an Energy Efficient Home: A Blueprint to Make Energy Efficiency Improvements Visible in the Real Estate Market." It covers making information about energy efficiency improvements visible to home buyers and others involved in a home sale transaction.
This webinar highlights the best practices of state and local benchmarking and disclosure policies. It discusses benchmarking and its place in the larger context of energy management planning and explores in detail some of the choices governments face when implementing these policies.
In this video interview segment, Tessa Shin of AFC First discusses the importance of making the loan application process simple for both homeowners and contractors.
Energy efficiency data can inform real estate transactions – including underwriting and appraisal, but each sector relies on its own sets of tools, data and specifications. The Home Energy Information Accelerator addresses how reliable energy information can get into the hands of decision-makers, and what types of policy, technical, and other changes are needed to make energy information useful in the real estate transaction.
Provides a sample or preliminary term sheet for single family residential energy efficiency loans that can provide a basis for discussions and negotiations with prospective lending partners.
The upfront cost of an energy upgrade can derail homeowners interested in home performance improvements. One program strategy for making projects more affordable is to offer financing; however, complicated loan application and approval processes can cause delays. Streamlining the loan application process is an effective way to remove this process barrier. By reducing the number of requirements that homeowners must meet to secure a loan, and by accelerating loan application processing,...
Financing allows homeowners to pay for energy improvements over time and invest in higher-cost upgrades than they might be able to afford without it. Some programs offer tiered financing or rebates to encourage upgrades with deeper savings, with terms that grow more favorable as more energy saving measures are pursued. Tiered financing can encourage customers to pursue more ambitious projects.Whatever financing options you offer, it is important to work with local lenders in your community...
This report addresses a key bottleneck for private capital: lenders declining to underwrite energy efficiency loans for multifamily housing because they lack confidence in energy savings. It presents findings from an analysis of 230+ buildings, assesses total savings achieved and savings as a percentage of projections, and provides a starting point for an underwriting methodology.
This guide/toolkit provides step-by-step recommendations on how policymakers can go about devising successful energy disclosure policies. It discusses the who, what, where, when, why, and, most importantly, how, for creating disclosure policies for the residential sector.
Data release form that allows the Connecticut Clean Energy Finance and Investment Authority (CEFIA) to obtain customer utility account and actual energy usage data, energy costs, underwriting and loan repayment records, and data on energy savings measures installed.
With its Best Offer Ever promotion, Austin Energy completed comprehensive energy upgrades in a record 564 homes in only six months--more than 10 times the utility's typical participation rate. To quickly develop momentum for BetterBuildings-Austin Energy's Clean Energy Accelerator program with homeowners, Austin Energy leveraged its existing Home Performance with ENERGY STAR infrastructure, experience, and contractor base but added a comprehensive rebate/financing offer for a finite launch period. Demand soared, and due to thoughtful planning, Austin Energy and its contractors were able to keep up with requests for energy assessments, inspections, improvements, and loan origination, while learning valuable lessons along the way.
This is a Tip for Success