GREENing Your Home in Maryland - Do it for a discount!!

Angel S.

Providing Monumental Results

• Home
• Search the Entire Market
• About Me
• Contact Us
• Featured Properties
• Your Home's Value
• Foreclosures vs. Short Sales
• About the Area
• Energy Efficiency and GREENing your Home
• Quick Home Energy Check-Up
• The Eco-Friendly Angel
• All Things Real Estate
• Seller Resources
• Home Buyer Program Information
• FHA Condo Project Approval
• What's In The Area?
• Free Credit Report
• Local Schools
• Prince George's County Website

Angel S
Phone:
240.34.ANGEL
Mobile:
240.342.6435
Fax:
240.296.5052

Email

Office:
Upper Marlboro

Buyers Resources This Month In Real Estate Eight steps to buying your home Deciding how much house you can afford Creating your home wishlist Location, Location, Location Opting for new home construction How can a real estate agent help me? Eight important questions to ask your agent Mortgage Calculator Contact us about buying a home  Twitter

 Did you know that the state of Maryland, by way of the Maryland Energy Administration has been charged with the task to reduce energy consumption by 15% by the year 2015?  Yes, that's right.  Our Governor has enacted an EmPOWER Maryland initiative to help make the plan a reality.  

 

What does this mean for you?  

 

Free stuff, discounts, and rebates on energy saving measures for your home.

What do you need to do?  

 

1st - Sign up with Elysian Energy to receive your Quick Home Energy Check Up (QHEC).  This is a service that is already included in your utility bill so if you don't take advantage of it you are really missing an opportunity to use what you've already paid for and also an opportunity to save money on your utility bills with this service.  You will receive a call from Elysian Energy to schedule your QHEC.  There is, again, no additional cost.  They will come to your home and provide CFL light bulbs, faucet aerators, low flow shower heads, power strips and pipe wrap for your hot water tank.  This small step toward living GREEN can save you hundreds of dollars per year off of your utility bills!  (Currently servicing Pepco and BGE customers)

Here is the Quick Home Energy Check-up link:  Put your agent's name at the bottom and if you don't have one put my name Angel Brown.

 

2nd -  The next level up would be to have an Energy Audit.  This is the more comprehensive way to tell where your home is losing energy/money.  There is a monetary cost to the audit.  They are $400; however, the utility companies will subsidize $300 of that so you only pay $100!  The intrinsic value of having this audit done however is priceless.  In addition to energy findings your home will be tested for health and safety issues.  Once you know how your home performs you can take steps to remedy any deficiencies.  Plus, having this audit unlocks the rebates up to $3,800 offered by the Home Performance with Energy Star (HPwES) program when you get the recommended work done on your home by an approved contractor.

 

3rd - If you've been considering updating and/or improving your home and comfort we would suggest making GREEN choices on the work you do.  Fact: there are Energy Efficient Mortgages to help you finance the improvements to your home.  Fact: GREEN improvements add value to your home. Fact: There is increasing buyer demand for energy efficient homes.  Fact: Some of our clients have been able to secure solar panels at no cost!

 

Winter is on its way.  Why continue to shovel unnecessary money into the utility company?  Listen out for that call from Elysian Energy to get your QHEC done and take the steps necessary to put money back into your pocket.

	Keller Williams Preferred Properties
Licensed in Maryland
Copyright © 2000-2014 Keller Williams ® Realty. - a real estate franchise company. All information provided is deemed reliable but is not guaranteed and should be independently verified. Properties subject to prior sale or rental. Each brokerage is independently owned and operated.

Site Last Updated On Wed, Oct 15, 2014 at 11:55:53 AM

eMDE: Working for clean air, a "great' session for the environment, teacher wins Tawes Award

Volume V, Number 2 May 2012 eMDE is a quarterly publication of the Maryland Department of the Environment. It features articles on current environmental issues and events in the state.  Blowin' in the Wind: Maryland works to reduce air pollution "transport"  While the amount of air pollution generated locally has dropped dramatically, as much as 70 percent of Maryland's pollution comes from upwind states. MDE is working hard to address the problem. More > Session 2012:  "Great" for the environment and public health  A legislative session widely described as one of the best in recent years for the environment produced new laws to encourage smart growth, promote clean water and fight childhood lead poisoning. More > MDE headlines More than "a moment" for the Bay, clearing the air, Dr. Summers goes to school.  More > MDE celebrates the 35th annual Tawes Awards for a clean environment An oyster gardening project to improve the health of the Chesapeake Bay earned a Somerset County elementary school teacher the 35th annual Tawes Awards for a clean environment. More > Maryland again exceeds annual waste diversion goal Maryland recycled more than 40 percent of its waste in 2010. More > A sound approach to noise that annoys A revised framework for enforcing noise standards is designed to lead to swift responses to complaints. More > MDE finalizes new regulations for soil erosion and sediment control  MDE has adopted new requirements to better protect the State's water resources from the impacts associated with construction. More > eMDE briefs Climate change plan open for comment, Green Registry leadership awards set, Bay plan submitted.More > eMDE Editorial Board © 2012 Copyright MDE  1800 Washington Boulevard Baltimore, MD 21230 1-800-633-6101  |  www.mde.state.md.us

Forward email

Nominate Your Environmental Hero for the Tawes and Coulter Awards

Reminder--Nominations for Tawes and Coulter Awards close Friday, April 13! Time is running out to nominate your environmental hero for the 35th annual Tawes Award for a Clean Environment and the James B. Coulter Government Employee Award.  Award nominations and all supporting documentation must be received by Friday, April 13, 2012. The Tawes Award recognizes individuals and civic, community and non-profit groups that have demonstrated outstanding efforts to enhance Maryland's environment over a period of time or with a single project. There are separate categories for youth and adults. Nominations are also being accepted for the James B. Coulter Award, which acknowledges outstanding environmental contributions by a government employee.       The Tawes and Coulter awards are co-sponsored by Maryland Department of the Environment, Maryland Department of Natural Resources and the Maryland Petroleum Council.  For more information on the awards please visit the MDE newsroom. Nominate your environmental hero now!  www.mde.state.md.us

eMDE Quarterly from the Maryland Department of the Environment

Volume V, Number 1 January 2012 eMDE is a quarterly publication of the Maryland Department of the Environment. It features articles on current environmental issues and events in the state.  Featured Articles General Assembly 2012: Our environment  Environmental issues are front and center in the Maryland General Assembly's 2012 session, with Governor O'Malley introducing legislation that will encourage smarter growth and help to protect and restore the Chesapeake Bay and its tributaries. More > Most detailed Bay cleanup plan yet now available for comment  An updated draft of Maryland's Phase II Watershed Implementation Plan ---- the most detailed action plan yet for restoring the Chesapeake Bay and its tributaries ---- is available for public review and comment.  More > MDE headlines "Debunking the 'Job Killer' Myth," Bay restoration fee increase "money well spent," healthier air. More > Western Maryland river cleanup spawns dollars Decades of runoff from abandoned coal mines all but killed Western Maryland's North Branch Potomac. But the fish have returned -- along with anglers, boaters and their wallets.  More > Plumbing the depths of Maryland's water supply From the sandy Eastern Shore to the craggy Appalachian Plateau, scientists and engineers are taking stock of Maryland's water supply to help ensure that a growing thirst for water won't leave the resource depleted.  More > Handle with care: Trucking, tracking radioactive waste through Maryland  In the remote desert of southeastern New Mexico, salt beds nearly a half-mile underground store radioactive waste. But the material has to get there safely ---- and that's where MDE plays a key role. More > Lowering the boom on oil spills MDE recently took to the waters of Baltimore Harbor for a dry run ----helping emergency workers from throughout the region to be ready for an oil spill. More > Charging forward by car Drivers of electric vehicles might want to start mapping out that road trip. More > Nominate your environmental hero Nominations are now open for the 2012 Tawes Award for a Clean Environment and the James B. Coulter Government Employee Award. More > Trash to treasure: MDE's "Rethink Recycling" sculpture contest A larger-than-life portrait of Lady Gaga ---- made from soda bottle caps, utensils and compact discs, won the top prize at MDE's 10th annual "Rethink Recycling" sculpture contest. More > eMDE briefs Extreme Home Makeover, MDE and social media, Clean Commute Contest. More > eMDE Editorial Board © 2012 Copyright MDE  1800 Washington Boulevard Baltimore, MD 21230 1-800-633-6101  |  www.mde.state.md.us

Forward email This email was sent to angelsbrown@gmail.com by editor@mde.state.md.us |   Update Profile/Email Address | Instant removal with SafeUnsubscribe™ | Privacy Policy. Maryland Department of the Environment | 1800 Washington Boulevard | Baltimore | MD | 21230

Maryland Made Easy - 2012 Symposium on Job Creation

Join Governor Martin O'Malley, Industry Leaders, Business Owners, and Policy-Makers at the Maryland Made Easy 2012 Symposium on Job Creation   When:  Friday, December 9, 9:30 a.m. to 12 noon    Where: Miller Senate Building West             11 Bladen Street             Annapolis, Maryland 21401 Hear from respected thought, business and policy leaders about the steps necessary to improve the economic climate in Maryland and nationally. Understand what a recent statewide survey of business owners revealed about new start ups and entrepreneurs. Learn what business and government are doing to support economic growth and job creation in Maryland. Share your feedback on how to make it easier for businesses to thrive in our State.    This is a free event. To register, complete the online registration form.    1800 Washington Boulevard Baltimore, MD 21230 1-800-633-6101  |  www.mde.state.md.us

MD-AEP's 3rd Annual Energy and Environmental Leadership Series Banquet

MD-AEP's 3rd Annual Energy and Environmental Leadership Series Banquet December 6 -  6:00-9:00 p.m. The Columbus Center - Baltimore, MD Institute of Marine and Environmental Technology   Philippines Ambassador The Honorable Jose L. Cuisia, Jr to open MD-AEP Energy & Environmental Leadership Awards Banquet     Please join MD-AEP's leadership network, including 150 public-private leaders from business, government, academia and the Asian Embassy community for our 3rd Annual Energy and Environmental Leadership Series Banquet on Tuesday December 6 from 6-9p.m. at the Institute of Marine and Environmental Technology at the Columbus Center in Baltimore. MD-AEP is pleased to announce that Philippines Ambassador Jose L. Cuisia, Jr. will open the Banquet as MD-AEP recaps its year of activities on biomass and clean water and recognizes three Maryland leaders from business, academia and government who, in their own unique ways, have helped to promote Maryland's innovative energy and environmental science and technology expertise to Asia and around the world.  This evening celebration Gala will not only be a fantastic networking venue, but a great couples night out, featuring Asian music, dance and excellent cuisine.   MD-AEP's 2011 award winners are:  Dr. Donald Boesch, President of the University of Maryland Center for Environmental Science: recipient of MD-AEP's Energy & Environmental Leadership Award;   Thomas Sprehe, Senior Vice President, Environmental Discipline Manager, KCI Technologies: recipient of MD-AEP's Business Partner of the Year Award; and   Bradley Gillenwater, Regional Asia Manager, Department of Business and Economic Development: recipient of MD-AEP's Sustainable Economic Development Award.    Early Bird Tickets $90 if registered before November 18.    REGISTER HERE

Forward email

Clean Water Innovations

Register Today for the 1st Annual Maryland Clean Water Innovations Trade Show!    When: July 13, 10 a.m. to 3 p.m.    Where: MDE Headquarters, Montgomery Park, 1800 Washington Boulevard, Baltimore MD 21230  Join us for the Clean Water Innovations Trade Show, where professionals and stakeholders from around the State will display innovative stormwater management and water quality management techniques, exchange information, and promote the protection of Maryland's resources. The event is free of charge and lunch will be provided. Government agencies, consultants, developers, environmental advocates, and the building industry can learn more about the latest best management practices in stormwater management, wetland creation and restoration, and other green technologies. The trade show promises to be informative for both those with ideas and products to offer and those faced with the challenge of improving water quality in the Chesapeake Bay watershed.  Please register for this free event by June 28th. To register, complete the registration formand email it to kbrandt@mcet.org or fax to 301-934-7695. For more information, please call 301-934-7500.  P.S. Vendors -- there's still time to register to exhibit your stormwater and water quality management products and services! Read more details here.  1800 Washington Boulevard Baltimore, MD 21230 1-800-633-6101  |  www.mde.state.md.us

Did you know about HUD's Energy Efficient Mortgage Program

Energy Efficient Mortgage Program

FHA's Energy Efficient Mortgage program (EEM) helps homebuyers or homeowners save money on utility bills by enabling them to finance the cost of adding energy efficiency features to new or existing housing as part of their FHA insured home purchase or refinancing mortgage.

Purpose

In 1992, Congress mandated a pilot demonstration of Energy Efficient Mortgages (EEMs) in five states. In 1995, the pilot was expanded as a national program.

EEMs recognize that reduced utility expenses can permit a homeowner to pay a higher mortgage to cover the cost of the energy improvements on top of the approved mortgage. FHA EEMs provide mortgage insurance for a person to purchase or refinance a principal residence and incorporate the cost of energy efficient improvements into the mortgage. The borrower does not have to qualify for the additional money and does not make a downpayment on it. The mortgage loan is funded by a lending institution, such as a mortgage company, bank, or savings and loan association, and the mortgage is insured by HUD. FHA insures loans. FHA does not provide loans.

Type of Mortgage:

EEM is one of many FHA programs that insure mortgage loans--and thus encourage lenders to make mortgage credit available to borrowers who would not otherwise qualify for conventional loans on affordable terms (such as first time homebuyers) and to residents of disadvantaged neighborhoods (where mortgages may be hard to get). Borrowers who obtain FHA's popular Section 203(b) Mortgage Insurance for one to four family homes are eligible for approximately 96.5 percent financing, and are able to add the upfront mortgage insurance premium to the mortgage. The borrower must also pay an annual premium.

EEM can also be used with the FHA Section 203(k) rehabilitation program and generally follows that program's financing guidelines. For energy efficient housing rehabilitation activities that do not also require buying or refinancing the property, borrowers may also consider HUD's Title I Home Improvement Loan program.

How to Get a EEM:

To apply for an FHA insured energy efficient mortgage, contact an FHA approved lender.

Eligible Customers:

All persons who meet the income requirements for FHA's standard Section 203(b) insurance and can make the monthly mortgage payments are eligible to apply. The cost of the energy improvements and estimate of the energy savings must be determined by a home energy rating system (HERS) or an energy consultant. The cost of an energy inspection report and related fees may be included in the mortgage. Cooperative units are not eligible.

EEM can also be used with FHA's Section 203(h) program for mortgages made to victims of presidentially declared disasters. The mortgage must comply with both Section 203(h) requirements, as well as those for EEM. However, the program is limited to one unit detached houses.

Eligible Activities:

EEM can be used to make energy efficient improvements in one to four existing and new homes. The improvements can be included in a borrower's mortgage only if their total cost is less than the total dollar value of the energy that will be saved during their useful life. Other eligibility requirements may be found in the Homeowner's Guide.

Eligibility Requirements

	The borrower is eligible for a maximum FHA insured loan, using standard underwriting procedures. The borrower must make a 3.5 percent downpayment. This 3.5 percent downpayment is based on the sales price or appraised value. Any upfront mortgage insurance premium can be financed as part of the mortgage.
	Eligible properties are one to four unit existing and new construction. EEMs may be added to some other loan types, including streamline refinances.
	The cost of the energy efficient improvements that may be eligible for financing into the mortgage is the lesser of A or B as follows: A. The dollar amount of cost-effective energy improvements, plus cost of report and inspections, or B. The lesser of 5% of: The value of the property, or 115% of the median area price of a single family dwelling, or 150% of the conforming Freddie Mac limit.
	To be eligible for inclusion in the mortgage, the energy efficient improvements must be cost effective, meaning that the total cost of the improvements is less than the total present value of the energy saved over the useful life of the energy improvement.
	The cost of the energy improvements and estimate of the energy savings must be determined by a home energy rating report that is prepared by an energy consultant using a Home Energy Rating System (HERS). The cost of the energy rating report and inspections may be financed as part of the cost effective energy package.
	The energy improvements are installed after the loan closes. The lender will place the money in an escrow account. The money will be released to the borrower after an inspection verifies that the improvements are installed and the energy savings will be achieved.
	The maximum mortgage limit for a single family unit depends on its location, and it is adjusted annually. Look online to find FHA's maximum mortgage limits by county.

Technical Guidance:

EEM is authorized under Section 513 of the Housing and Community Development Act of 1992. Program regulations are listed on the EEM mortgagee letter web page.

For More Information:

Visit the FHA Resource Center to search the FAQs, ask a question or send an email.

Return to EEM Home