Victoria Adams Stephanie Cogswell Daureen Lingley Emily Werner Energy Efficiency

Page  2 Energy Efficiency Topics Designing & Remodeling Energy Efficient Mortgages Incentives & Rebates Appliances & Home Electronics

Energy Efficiency Page  3 Designing & Remodeling a Home  Passive Solar  Cool Roofs  Whole-House Design  Ultra-Efficient Homes  Log Homes  Manufactured Homes  Earth-Sheltered Homes

Energy Efficiency Page  4 Passive Solar Home Design Five Elements of Passive Solar Home  Aperture (Collector)  Absorber  Thermal Mass  Distribution  Control

Energy Efficiency Page  5 How Passive Solar Home Design Works  Conduction  Convection  Radiation  Thermal Capacitance Heat Movement Mechanisms

Energy Efficiency Page  6 Passive Solar Home Energy Rankings

Energy Efficiency Page  7 Passive Solar Home Thermogram

Energy Efficiency Page  8 Cool Roofs Benefits of Cool Roofs  Reduce energy bills by decreasing air condition needs  Improve indoor comfort for spaces that are not air conditioned  Decrease roof operating temperature, which may extend roof service life.  Reduce local air temperatures  Lower peak electricity demand  Reduce power plant emissions

Energy Efficiency Page  9 Elements of Your Home  Appliances & Home Electronics  Insulation and air sealing  Lighting and daylighting  Space and cooling  Water Heating  Windows, doors & skylights Whole House Design Systems Approach

Energy Efficiency Page  10  Beginning March 2009, the Florida Energy Code will become 15% more stringent.  Solar water heaters can provide a significant reduction in Energy Code points.  If you’re looking to be green, solar water heaters are now a line item on the FGBC checklist. Energy Advantages Why Become a SunBuilt Builder?

Energy Efficiency Page  11 Energy Code Improvements – Ways to Reach 15% Reduction AC efficiency from SEER 13 to or 13%97 kWhs/yr Standard ducts to leak-free ducts.05 or 5%293 kWhs/yr Programmable thermostat.03 or 3%213 kWhs/yr Switch from electric water heater to solar.12 or 12%1811 kWhs/yr Measure Measure Effect Energy Savings

Energy Efficiency Page  12 SunBuilt Builder Program  Builder agrees to participate at gold or silver level by signing pledge.  Builder receives rebate and client educational materials for model or Parade home(s). How it Works  Solar contractor installs solar water heater and builder submits rebate application.

Energy Efficiency Page  13 Gold Builder – 100% of Homes with Solar Water Heaters  Sign Gold Builder Pledge.  Fillout and submit system voucher application.  Receive approval from SunBuilt Program to install free system.  Install system.  Receive materials for Model Home(s).  Submit rebate application after each installation.

Energy Efficiency SunBuilt Program Partners  Florida Solar Energy Research & Education Foundation  Governor’s Energy Office  Florida Solar Energy Industries Association  Florida Home Builders Association  SunBuilt Builders Page  14

Energy Efficiency What is an Energy Efficient Mortgage (EEM)?  A mortgage that credits a home's energy efficiency in the home loan.  Let you borrow extra money to pay for energy efficient upgrades to your current home or a new or old home that you plan to buy.  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.

Energy Efficiency How EEMs Work  Backed by private and government mortgage programs  Designed to help you make your home more energy efficient.  Do not have to qualify for the additional money and do not make a down payment on it.  The mortgage loan is funded by a lending institution, such as a mortgage company, bank, or savings and loan association  Aren’t second mortgages, rolled into primary mortgage.

Energy Efficiency History  In 1992, Congress mandated a pilot demonstration of Energy Efficient Mortgages (EEMs) in five states under Section 513 of the Housing and Community Development Act of  In 1994, the pilot was expanded to ten states.  In 1995, the pilot was expanded as a national program.

Energy Efficiency How do you get an EEM?  HERS report (Home Energy Rating System) - an evaluation of how energy efficient a home is.  A trained Energy Rater goes to your home.  Factors: insulation, windows, heating and cooling systems, and local climate.  Basically, if you already qualify for a regular mortgage, then in most cases you already qualify for an EEM.  The actual energy efficient improvements must be cost effective.

Energy Efficiency What are the benefits?  Increases Purchasing Power An average of 6.8% more families would be able to qualify for a mortgage through an energy efficient mortgage. Stretch debt-to-income qualifying rations on loans  Increases Market Value of Homes The market value of a home increases $20 for every $1 decrease in the annual energy costs. An estimated increased home market value of between $4,250 to $10,625.  Comfort Cooler in the summer Warmer in the winter

Energy Efficiency Who benefits?  Buyers Qualify for a larger loan on a better home Get a more comfortable home Save money every month from day one Increase the potential resale value of your home  Sellers Sell your home more quickly Make your house affordable to more people  Remodelers/refinancers Get all the EEM benefits without moving Make improvements which will actually save you money Increase the potential resale value of your home.

Energy Efficiency Efficiency  double paned windows  tankless water heaters  New HVAC units with air ducts  new insulation  Weatherizing  energy efficient heating and cooling systems  fixing or replacing a chimney  installing active and passive solar technologies

Energy Efficiency Home Energy Rating System (HERS)  Overall rating index of the house as it is.  Recommended cost-effective energy upgrades  Estimates of the cost, annual savings, and useful life of upgrades  Improved rating index after the installation of recommended upgrades  Rating index is between 1 and 100.  usually costs between $300- $800.

Energy Efficiency Types of EEMs  Conventional EEM: This type of loan is offered by lenders who sell their loans to Fannie Mae and Freddie Mac. It is the most powerful of the EEMs as it allows you to borrow up to 15% of the home’s appraised value for improvements.  FHA EEM: This type of EEM is not as powerful as the conventional EEM, but you will be able to take advantage of the benefits of FHA financing. You can borrow up to 5 % of your home’s value (though not more than $8,000) or $4,000, whichever is greater  VA EEM: This version of the EEM Mortgage is for past and present military personnel and allows you to spend up to $6,000 for energy efficient upgrades when purchasing an existing home regardless of the value of the home.

Energy Efficiency Statistics – EEMs lower your carbon footprint!  Overall, heating and cooling accounts for 50–70% of the total energy used in the average American home.  60% of the existing homes in the US are not properly insulated.  Updating your home’s insulation can save you up to 20% on heating and cooling costs or up to 10% of your total yearly energy bill.  According to the Department of Energy, energy loss from outdated windows accounts for nearly 25% of the annual heating and cooling costs for the average American home.  Even the most basic double-paned window can reduce energy use by up to 24% in cold climates during the winter and by up to 18% in hot climates during the summer.  In houses with central air and heating, about 20% of the air is lost due to faulty, outdated duct work.  A new Energy Star-rated dishwasher can save you up to 13 energy (the dishwasher accounts for 2% of your gas or electric bill) and as much as 1,200 gallons of water a year.  Programmable thermostats can save about 2% on heating bills and more than 3% on cooling bills. These numbers can translate into savings of up to $180 a year.

Energy Efficiency Energy Efficiency Rebates  Energy Efficiency Rebates are created by the government and most are carried out by the utilities  Mass Save helps to carry out additional energy efficiency rebates  Many rebates deal with EnergyStar qualified products

Energy Efficiency Energy Efficiency Rebates  The two utilities in the Boston Area who offer rebates are National Grid and NStar  Rebates can apply to: Lighting and appliances Income eligible programs Heating and cooling Building a house or addition, Retrofits Programs for multi-family home owners

Energy Efficiency Lighting and Appliance Rebates  A $50 rebate for purchasing an eligible EnergyStar refrigerator or freezer  The utility company will pay you $50 to come pick up your second fridge or freezer!  A $50 rebate is available when you purchase an eligible Energy Star refrigerator or freezer in 2011  Order a Smartstrip by Dec 31 st and get a $10 rebate and free shipping $20 towards purchase of energy star qualified room air cleaners bought in $200 towards purchase of eligible energy efficient pool pumps Buy an EnergyStar qualified desktop computer and receive $10 incentive. Buy an EnergyStar qualified monitor and receive $20 incentive.

Energy Efficiency Heating and Cooling Rebates  $400 rebate for a high-efficiency indirect fired water heater connected to a natural gas heating system.  $400 rebate for a natural gas warm air furnace with an electronic commutated motor (ECM) an an AFUE Rating greater or equal to 92 percent.  $300 for customers replacing an existing oil/propane fire tankless or freestanding hot water heater with an indirect fired water heater  $200 rebate for after market boiler reset controls connected to a natural gas boiler.  $25 toward the purchase and installation of an EnergyStar qualified or seven day thermostat that controls an oil or propane fired heating system  75% off up to $2000 towards insulation upgrades  $100 rebate for an ENERGY STAR-rated storage water heater with an Energy Factor greater or equal to.67.  $50 rebate for an ENERGY STAR-rated storage water heater with an Energy Factor greater or equal to.62.  $500 for qualifying condensing water heaters  $400 for qualifying indirect water heaters  up to $100 for qualifying storage, tank-type water heaters  Installing a reset control can increase your boiler's efficiency. By differentiating between colder and milder weather, the control signals the boiler to operate at an applicable level, saving ten percent or more on your heating costs. Upon installation of an add on outdoor boiler, a reset control attached to your existing forced hot water boiler means you will qualify for a $200 rebate from National Grid.

Energy Efficiency Heating and Cooling Rebates cont.  $1,600 rebate for a combined high-efficiency boiler and water heating unit with an AFUE rating greater or equal to 90 percent  $1,500 rebate for a natural gas hot water boiler with an AFUE rating greater or equal to 96 percent.  $1,000 rebate for a combined high-efficiency boiler and water heating unit with an AFUE rating greater or equal to 85 percent  $1,000 rebate for a natural gas hot water boiler with an AFUE Rating greater or equal to 90 percent.  $800 rebate for a natural gas warm air furnace with an electronic commutated motor (ECM)  $800 rebate for an on-demand water heater with an Energy Factor greater or equal to.95 with an electronic ignition.  Up to $800 for qualifying on-demand tankless water heaters  Mail in rebates of up to $500 for purchase and installation of high efficiency central air conditioning units  $600 rebate for a natural gas warm air furnace with electronic commutated motor (ECM) and an AFUE Rating greater or equal to 94 percent.  Up to $500 towards purchase of a new high efficiency oil or propane fired heating system  $500 Rebate for a heat recovery ventilator. Offer excludes portable units.  $500 rebate for a natural gas hot water boiler with an AFUE Rating greater or equal to 85 percent.  $500 rebate for a condensing natural gas water heater with a thermal efficiency of 94 percent or greater.  $500 rebate for an on-demand water heater with an Energy Factor greater or equal to.82 with electronic ignition.

Energy Efficiency Deep Energy Retrofit  National Grid Pilot Program for gas and electric customers in MA and RI  Max Incentive for an above average sized single family building is $42,000  Candidates must be able to make their own significant financial investment and only a limited number of projects are accepted.  Costs after incentives for accepted candidates will be $35-60,000  Candidates must team up with a contractor or designer with relevant experience to identify and propose deep retrofit projects  Must be a National Grid customer who heats with natural gas for 1-4 unit buildings, heat with electricity for 5+ unit buildings “The objective is to enhance the building envelope, increase the home’s energy efficiency, and decrease the costs associated with heating and cooling the home.”

Energy Efficiency Appliances and Home Electronics  20% of household energy bills come from appliances and electronics such as: Clothes washers and dryers Computers Dishwashers Audio equipment Refrigerators and freezers Air conditioners Televisions and DVD players Water heaters Page  31

Energy Efficiency ENERGY STAR  Government-backed symbol (EPA & DOE)  Easy to identify and purchase energy-efficient products  Save on energy bills without sacrificing on performance or features (2010 saved $18 billion on utility bills, GHG emissions equivalent from 33 million cars) Page  32  If product costs more than non- efficient competitors, investors can recover investment in a reasonable amount of time

Energy Efficiency Using ENERGY STAR Page  33 ApplianceSavings Refrigerator$165 (lifetime) Clothes Washer $135 (annually) Fill 3 swimming pools (lifetime) Computer$88 (lifetime) Dishwasher$40 (annually) 3 loads of laundry (weekly)

Energy Efficiency  American Recovery and Reinvestment Act, $300 million  Rebates towards new ENERGY STAR qualified appliances  MA allocated $6,235,000 to 39,000 residents in 3 hours on April 22, 2010  December 31, 2010: $207 million was distributed to 1.4 million customers. This equates to annual energy savings of 1.4 trillion Btu  Program still open in 22 states Page  34

Energy Efficiency ENERGY STAR Compact Fluorescent Light Bulbs (CFLs)  Pay for themselves in about 6 months  Designed to last 6,000 hours (more than 5 years based on typical use)  Average household has 30 bulbs 30 x $30 savings= $900 total savings Page  35

Energy Efficiency ENERGY STAR Light Bulbs: Something to think about…  If every American home replaced 1 old light bulb with new 1 ENERGY STAR light bulb… Save enough energy to power 3 million homes for a year $600 million in annual energy costs Prevent greenhouse gas emissions of equivalent of 800,000 cars Page  36

Energy Efficiency Page  37 Any Questions?

Energy Efficiency "Stretch mortgage dollars with energy efficiency." Consumers' Research Magazine 76.3 (1993): 29. Academic Search Premier. EBSCO. Web. 23 Apr Knoblauch, Jessica A. “Money Matters – Flex Your Mortgage: Energy Efficient Mortgages Expand Your Green Options.” Green Living. July/August 2009 Gerarden, Todd. “Rebuilding Mortgages for Energy Efficiency” Federation of American Scientists (FAS) Page  38 References: