{"id":81,"date":"2008-08-19T12:58:43","date_gmt":"2008-08-19T17:58:43","guid":{"rendered":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/?p=81"},"modified":"2013-05-07T14:29:34","modified_gmt":"2013-05-07T19:29:34","slug":"new-eem-incentives","status":"publish","type":"post","link":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/fha\/new-eem-incentives\/","title":{"rendered":"New EEM Incentives"},"content":{"rendered":"<p>Okay &#8211; so if I were you I&#8217;d want to know what the heck the EEM is!\u00a0 It&#8217;s a special program available for FHA, VA and Conventional loans &#8211; originally designed to encourage folks to be more Energy Efficient, and &#8220;Green&#8221; with their homes.<\/p>\n<p>Energy Efficient Mortgages give special allowances to homebuyers, and those who wish to remodel in a manner that adds additional insulation, and perhaps a solar water heater (for instance).\u00a0 The program was initially designed in President Carter&#8217;s &#8220;Day&#8221; and has been somewhat obsolete.<\/p>\n<p>The New Housing Bill includes mandates for upgrading the program, but at Connect With Us on Facebook, Inc., we are adding a few updates on our own!<\/p>\n<p><strong>Effective September 1st, Energy Star Certified Homebuyers going &#8220;First Financial Green for Green&#8221; receive:<br \/>\n<\/strong>$1,000 towards closing costs<br \/>\n16,500 pound carbon offset supporting greenhouse gas reduction projects, further\u00a0reducing the home\u2019s carbon footprint<br \/>\n6 month membership to the Arbor Day Foundation, including 10 trees to be planted in celebration of your new home or delivered directly to your home for you to plant!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Okay &#8211; so if I were you I&#8217;d want to know what the heck the EEM is!\u00a0 It&#8217;s a special program available for FHA, VA and Conventional loans &#8211; originally designed to encourage folks to be more Energy Efficient, and &#8220;Green&#8221; with their homes. Energy Efficient Mortgages give special allowances to homebuyers, and those who [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[67],"tags":[115,12,114],"yst_prominent_words":[11825,9462,4572,9459,8450,3134,8479],"class_list":{"0":"post-81","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-fha","7":"tag-energy-efficient-mortgages","8":"tag-fha-cary","9":"tag-green-mortgages","10":"entry"},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p2NEbf-1j","jetpack_likes_enabled":true,"jetpack-related-posts":[{"id":680,"url":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/housing-news\/green-mortgage-initiative-pace\/","url_meta":{"origin":81,"position":0},"title":"Green Mortgage Initiative &#8211; PACE","author":"Eleanor Thorne","date":"May 18, 2010","format":false,"excerpt":"In an effort to accelerate the economy - the Obama administration sees \"retro-fitting\" houses with more Energy Efficient items as an answer. \u00a0If we all put in efficient toilets, and windows, and solar water heaters (for instance) it will create more jobs, improve the value of the homes, and cut\u2026","rel":"","context":"In &quot;Housing News&quot;","block_context":{"text":"Housing News","link":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/housing-news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-content\/uploads\/2010\/05\/newwindow-199x300.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":37,"url":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/fha\/fha-green-mortgages\/","url_meta":{"origin":81,"position":1},"title":"FHA Green Mortgages","author":"Eleanor Thorne","date":"April 18, 2023","format":false,"excerpt":"Officially, the mortgages often are called Energy Efficient Mortgages (EEMs) or Energy Improvement Mortgages (EIMs). The common baseline used to determine if a property qualifies requires an energy rating. This national standard, \"allows a homebuyer to easily compare the energy performance of the homes being considered.","rel":"","context":"In &quot;FHA Mortgage Loans&quot;","block_context":{"text":"FHA Mortgage Loans","link":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/fha\/"},"img":{"alt_text":"FHA green mortgages","src":"https:\/\/i0.wp.com\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-content\/uploads\/2008\/04\/FHA-green-mortgages.jpg?fit=1200%2C743&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-content\/uploads\/2008\/04\/FHA-green-mortgages.jpg?fit=1200%2C743&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-content\/uploads\/2008\/04\/FHA-green-mortgages.jpg?fit=1200%2C743&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-content\/uploads\/2008\/04\/FHA-green-mortgages.jpg?fit=1200%2C743&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-content\/uploads\/2008\/04\/FHA-green-mortgages.jpg?fit=1200%2C743&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":744,"url":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/housing-news\/green-homes-appraisal-problems\/","url_meta":{"origin":81,"position":2},"title":"Green Home Appraisal Problems?","author":"Eleanor Thorne","date":"June 2, 2010","format":false,"excerpt":"At the National Association of Home Builders Green Building Conference in Raleigh NC last week there was a confirmation that \"Sustainable\" building is selling faster than \"traditional\" building! The BAD NEWS was that appraisals are not reflecting the \"value\" and some of the technical items used to make the homes\u2026","rel":"","context":"In &quot;Housing News&quot;","block_context":{"text":"Housing News","link":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/housing-news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-content\/uploads\/2010\/06\/Green-Home-Logo-300x250.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":41,"url":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/fha\/fha-repair-requirements\/","url_meta":{"origin":81,"position":3},"title":"FHA Repair Requirements","author":"Eleanor Thorne","date":"April 14, 2008","format":false,"excerpt":"The problem is that many sellers, including banks holding foreclosed property, might not want to accept an FHA borrower? Why? Because FHA will not take a property with a paint job like the one shown here. If you were purchasing this property, the exterior repairs would need to be done\u2026","rel":"","context":"In &quot;FHA Mortgage Loans&quot;","block_context":{"text":"FHA Mortgage Loans","link":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/fha\/"},"img":{"alt_text":"FHA Repair requirements","src":"https:\/\/i0.wp.com\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-content\/uploads\/2008\/04\/cracked-paint.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":76,"url":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/fha\/more-downpayment-needed-for-fha\/","url_meta":{"origin":81,"position":4},"title":"More Downpayment Needed for FHA","author":"Eleanor Thorne","date":"July 29, 2008","format":false,"excerpt":"SAVE UP! For more than 10 years there have been agencies that helped with downpayment. The downpayment was \"gifted\" through the agency - and it's a bit complicated - but it meant that a homebuyer seeking FHA financing could get a 100% loan. Well, that's been eliminated with the New\u2026","rel":"","context":"In &quot;FHA Mortgage Loans&quot;","block_context":{"text":"FHA Mortgage Loans","link":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/fha\/"},"img":{"alt_text":"downpayment got higher","src":"https:\/\/i0.wp.com\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-content\/uploads\/2008\/07\/sandcastle2.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":309,"url":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/fha\/with-all-of-the-risk-do-we-still-need-fha\/","url_meta":{"origin":81,"position":5},"title":"With All of the Risk Do We Still Need FHA?","author":"Eleanor Thorne","date":"November 1, 2009","format":false,"excerpt":"I think this is good news, because others are calling for massive tightening... and I think we need every eligible buyer to buy! Forcing credit score requirements up to 680, or 700 is NOT going to help the housing market (because it turns so many folks away who can't make\u2026","rel":"","context":"In &quot;FHA Mortgage Loans&quot;","block_context":{"text":"FHA Mortgage Loans","link":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/fha\/"},"img":{"alt_text":"It's hard to read the market","src":"https:\/\/i0.wp.com\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-content\/uploads\/2009\/11\/read.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-json\/wp\/v2\/posts\/81","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-json\/wp\/v2\/comments?post=81"}],"version-history":[{"count":0,"href":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-json\/wp\/v2\/posts\/81\/revisions"}],"wp:attachment":[{"href":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-json\/wp\/v2\/media?parent=81"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-json\/wp\/v2\/categories?post=81"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-json\/wp\/v2\/tags?post=81"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/pfh.ysh.temporary.site\/website_d1c340c1\/wp-json\/wp\/v2\/yst_prominent_words?post=81"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}