Now that fall is in full swing, it's time to start thinking about battening down the hatches for Old Man Winter. But while energy improvements on your existing home may eventually pay for themselves through lower heating bills, scrimping all that money together at once isn't something everyone can afford to do.
Mother Earth News has tips on how to tap into lending institutions that offer mortgages tailored toward financing energy upgrades. If you need to take out a loan to buy a house or refinance an existing loan, the Energy Efficient Mortgage (EEM) could increase your loan to either help you purchase an energy-efficient home or to pay for energy upgrades to an existing one. Endorsed by Energy Star, EEMs are available through many government-insured loan programs, as well as from conventional lenders. ::Mother Earth News
Difficulty level: Moderate