The best Green Loan program in America. 

myEnergyLoan provides these core benefits to green real estate buyers and investors: 

Qualify for 1% closing-cost credit!

Since we tie your rate and closing costs to your building's performance, if you improve your building performance by 100% then you qualify for a 1% closing-cost credit.  Most clients receive between 1/2 point to 3/4 point efficiency credit at closing, which can sometimes be used to buy-down long-term interest rates.  Net zero buildings always receive the maximum credit.

What if my energy efficiency improvements are more modest than that? 

No matter if your energy efficiency improvements are minor or major you will always receive a reward for going green with a myEnergyLoan provider.  Your incentive reward will be commensurate with the increase in energy efficiency. 

Call myEnergyLoan today to learn how this applies to your green real estate project!

YES!  myEnergyLoan works with the Energy Efficient Mortgage (new construction) and the Energy Improvement Mortgage (existing building)

The myEnergyLoan program is an incentive overlay to virtually any loan product, including the EEM and the EIM.  This means you will receive the MEL EC in addition to the benefits of the Energy Efficient Mortgage or the Energy Improvement Mortgage.

What is the myEnergyLoan Certificate?

Through the myEnergyLoan network, you will receive professional green loan guidance and a certificate verifying that all of your building's green features were considered through the loan package. 

This program is available right now and there is no cost or obligation to evaluate your green loan scenario.   

Can I get a 30-year fixed rate loan as a myEnergyLoan?

Yes!  myEnergyLoan is an overlay incentive to any loan product and it works every time!  A 30-year fixed rate loan is the safest loan product on the market.  The only thing better for most clients is a 15-year fixed rate mortgage or no mortgage at all (in which case you don't need a myEnergyLoan)! 

Can I get a new home cconstruction loan as a myEnergyLoan?

Yes! Most myEnergyLoan providers have cconstruction loan options for new green cconstruction.  Note, however, that Jumbo (over $417,000) onstruction loans are very difficult to get these days.   The LTV's (loan-to-value) are low and the rates might shock you. 

We have modular and manufactured construction loans that go up to 97% and you only go through closing one time.  That is HUGE in this market, where construction loans are hard to find and very difficult to qualify for many buyers. 

Can I get a renovation loan as a myEnergyLoan?

Yes - when the renovation is a greenovation!  We especially love these loans and we have many options for borrowers seeking to fund their energy improvements through their mortgage.  HINT: funding your greenovation through your mortgage is typically the most cost-effective way to fund the improvements.

Can I get a Home Equity Line of Credit (HELOC) as a myEnergyLoan?

Yes! Most myEnergyLoan providers have this valuable product.  The biggest problem with HELOCS is that you might find in this market that you have no available equity and many lenders automatically reduce the available credit if you are in a declining market.  Nevertheless, HELOC's are a great way to fund your greenovation and since they are tied to the PRIME lending rate, this is a relatively inexpensive way to fund your improvements.

Get green loan guidance and qualify for an EEM today. 

We screen mortgage brokers and lenders who want to voluntarily give up some of their earnings in order to provide the financial reward.  We train our local providers to factor in the increased value of your green real estate as they apply discounts and incentives through your loan package.  You receive these credits at closing.  Then, we provide a myEnergyLoan Certificate that is used to verify your savings.   You can file this certificate with your property deed so if you sell the house, the new owner will know it qualifies for the myEnergyLoan program.

SINCE 2005, myEnergyLoan has been applying an advanced method of incorporating all available incentives into our green loan packages; and no one does this more effectively and accurately than myEnergyLoan. Our program operates throughout the US and our team provides residential and commercial finance capabilities.Traditional lenders and mortgage brokers typically do not understand the meaning of sustainable capital conversion, but myEnergyLoan literally closes the sustainability loop with your green real estate closing.

At myEnergyLoan, we are dedicated to fueling the shift from a fossil fuel economy to a modernized economy; an economy that creates a natural triple-bottom-line orientation for our capital sources when they fund your green real estate transaction. Responsible stewardship of our natural resources and finances are both our mantra and our general business orientation. We are natural capitalists who firmly believe in building local living economies, thus every dollar our clients save is a dollar that will potentially circulate through their community an average of six times. The savings we provide contributes to economic stability and overall financial betterment.

myEnergyLoans are provided through our local providers or through our national provider www.homefirstmortgage.com, unless otherwise noted on the loan application or loan package. We encourage local lending and therefore suggest that you register your myEnergyLoan through our local provider network when available.

If you are a mortgage provider or funding source (broker, local lender, community bank, private fund) interested in becoming a licensed myEnergyLoan provider, please contact: Jeff Cole via e-mail at This e-mail address is being protected from spam bots, you need JavaScript enabled to view it .