Welcome to EnviroLending.com

EnviroLending specializes in offering Energy Efficient Mortgages for qualified energy efficient homes in the state of Texas.

Energy Efficient Mortgages provide the borrower with special benefits when purchasing a home that is energy efficient, or can be made efficient through the installation of energy-saving improvements.

Save Money, Conserve Energy, Live Comfortably
Energy Efficient Mortgage

For most families, buying a home means achieving the American Dream. And with housing costs rising higher each year, it’s more important than ever to make wise choices that enable you to achieve that dream while getting the most for your home-buying dollar.

Achieve the American Dream with an Energy Efficient MortgageOther than the mortgage payment, the monthly utility bill often is a homeowner’s largest monthly expense. We spend more on energy than on the combined costs of our telecommunication needs – including local, long distance, cell phones, paging, cable, and Internet service. By spending less on your energy bills, you’ll have more money available for your mortgage payments allowing you to qualify for a larger loan and build equity in your home faster.

Homes have a major impact on the environment. In fact, many people are surprised to learn that the average home produces twice as much greenhouse gas emissions as the average car.

An Energy Efficient Mortgage can help you finance cost-effective, energy-saving measures as part of your mortgage. These energy-saving measures will enable you to reduce your consumption of energy, lower your utility bills, help the environment, and increase the potential re-sale value of your home. And if you are upgrading an existing home, an Energy Efficient Mortgage can enable you to take advantage of the benefits it offers without having to move.

An ENERGY STAR Partner Lender

An ENERGY STAR Partner LenderEnviroLending is an ENERGY STAR Partner Lender.  As an ENERGY STAR Lender we are proud to offer Energy Efficient Mortgages (EEMs) that can be used for the purchase of ENERGY STAR qualified homes.

Loan.com Interviews EnviroLending

Loan.com recently conducted a two part interview with us discussing the benefits of the Energy Efficient Mortgage. Read part 1 of the interview. Read part 2 of the interview. We'd like to extend a special thanks to Loan.com for providing us with this opportunity.

Key Benefits Minimize
  • Increase borrowers’ mortgage qualifying income.
  • A home buyer can finance 100 percent of the energy efficiency improvements without increasing the down payment.
  • For existing homes, the cost of improvements is limited to 15 percent of its total cost. There is no limit imposed on the cost of improvements for new construction.
  • Quality assurance with required third-party energy rating reports.
  • A tax credit based on a portion of the cost of the improvements may be available on some tax returns.
  • A more comfortable home in all seasons and climates, with warmer homes in the winter and cooler homes in the summer due to improved duct systems that provide balanced airflow to all of the rooms.
  • Improved air quality – energy efficient homes use less energy, so fewer emissions are created during the generation of power.
  • An EEM will reduce greenhouse gas emissions by 2 to 4 TONS per year, which means everyone is breathing much easier every day!
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