1. Victoria Adams Stephanie Cogswell Daureen Lingley Emily Werner
Energy Efficiency
Victoria Adams
Stephanie Cogswell
Daureen Lingley
Emily Werner 1

2. Energy Efficiency Topics1
Designing & Remodeling 2
Energy Efficient Mortgages 3
Incentives & Rebates 4
Appliances & Home Electronics
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3. Designing & Remodeling a Home
Passive Solar
Cool Roofs
Whole-House Design
Ultra-Efficient Homes
Log Homes
Manufactured Homes
Earth-Sheltered Homes
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4. Passive Solar Home Design
Five Elements of Passive Solar Home
Aperture (Collector)
Absorber
Thermal Mass
Distribution
Control
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5. How Passive Solar Home Design Works
Heat Movement Mechanisms
Conduction
Convection
Radiation
Thermal Capacitance
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6. Passive Solar Home Energy Rankings
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7. Passive Solar Home Thermogram
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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
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9. Whole House Design Systems Approach
Elements of Your Home
Appliances & Home Electronics
Insulation and air sealing
Lighting and daylighting
Space and cooling
Water Heating
Windows, doors & skylights
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10. Why Become a SunBuilt Builder?
Energy Advantages
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.
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.
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11. Energy Code Improvements – Ways to Reach 15% Reduction
Measure Measure Effect Energy Savings
AC efficiency from SEER 13 to 15
.13 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
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12. SunBuilt Builder Program
How it Works
Builder agrees to participate at gold or silver level by signing pledge.
Solar contractor installs solar water heater and builder submits rebate application.
Builder receives rebate and client educational materials for model or Parade home(s).
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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.
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14. SunBuilt Program Partners
Florida Solar Energy Research & Education Foundation
Governor’s Energy Office
Florida Solar Energy Industries Association
Florida Home Builders Association
SunBuilt Builders
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15. 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.
Like most people these days, you probably already do your share of “green” practices like recycling and turning off the water when you brush your teeth. But you probably thought that really big things, like renovating or upgrading your home to make it more energy efficient were financially out of your reach.
Energy efficient homes use less energy and are therefore less expensive to own.
People who have more efficient homes spend less per month on utility costs and theoretically should have more to spend on their monthly mortgage payments—and can therefore afford a larger mortgage.

16. Backed by private and government mortgage programs
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.
Only pay one bill a month

17. In 1994, the pilot was expanded to ten states.
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 1992.
In 1994, the pilot was expanded to ten states.
In 1995, the pilot was expanded as a national program.
FHA (Federal Housing Administration) In 1992, Congress mandated a pilot demonstration of Energy Efficient Mortgages (EEMs) in five states.
EEM is authorized under Section 513 of the Housing and Community Development Act of 1992.
In 1995, the pilot was expanded as a national program.
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 mortgage loan is funded by a lending institution, such as a mortgage company, bank, or savings and loan association.

18. A trained Energy Rater goes to your home.
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.
This just means that the total cost of the upgrades has to be less than the total value of the energy saved over the operative life of the improvement. So, if a new double-paned window costs $300, it needs to save over $300 in energy costs of the course of its life.

19. 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
This means not having to deal with drafts in the winter, not worrying about the cost of cranking the AC when company comes over, and having peace of mind that your children, pets, and older visitors will always be in a comfortable, healthy environment

20. Who benefits? Buyers Sellers Remodelers/refinancers
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.

21. 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

22. 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.
This could be paid by the buyer, seller, lender, or real estate agent. Sometimes the cost of the rating may be financed as part of the mortgage.
Sometimes the cost of the rating may be financed as part of the mortgage.
A lower index indicates greater efficiency.

23. 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.

24. 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.

25. Energy Efficiency Rebates
Created by the government and most are carried out by the utilities
Mass Save
Energy Star Products
Mass Save has hundreds of rebates listed on their website. They also have energy efficiency techniques for homes, businesses and professionals, ranging from contractors to

26. 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

27. 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!
Order a Smartstrip by Dec 31st and get a $10 rebate and free shipping
A $50 rebate is available when you purchase an eligible Energy Star refrigerator or freezer in 2011
$20 towards purchase of energy star qualified room air cleaners bought in 2011.
$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.

28. Heating and Cooling Rebate Terms
Energy Factor
Water Heater Efficiency
Annual Fuel Utilization Efficiency (AFUE) Rating
Overall efficiency rating in a typical application over 1 year
Electronic Commutated Motor (ECM)
Used with HVAC systems
The energy factor (EF) indicates a water heater's overall energy efficiency based on the amount of hot water produced per unit of fuel consumed over a typical day. This includes the following:
Recovery efficiency – how efficiently the heat from the energy source is transferred to the water
Standby losses – the percentage of heat loss per hour from the stored water compared to the heat content of the water (water heaters with storage tanks)
Cycling losses – the loss of heat as the water circulates through a water heater tank, and/or inlet and outlet pipes.
AFUE rating is not necessarily an absolute rating of the energy efficiency of a piece of equipment, but instead intended to indicate what the overall efficiency would be in any typical application over the course of a whole year. This is what people really would like to know when they purchase heating and furnace equipment, so they can get an idea of what it is going to cost to operate compared to what they have now.
For example, if a furnace has an AFUE rating of 50%, what that means is that for the energy value of the fuel to operate that furnace over the course of a typical year, only 50% of the energy went to heat the home
These are systems that have a higher efficiency rating than the HVAC equipment that has the typical electric blower or condenser fan motor. The ECM (Electronically Commutated Motor) uses less energy than the standard PSC motor that is commonly used in air handlers and condensers to mover air. The ECM motor also offers more control also which has good benefits in HVAC applications.
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29. Heating and Cooling Rebates
$100 rebate for an Energy Star-rated storage water heater with an Energy Factor greater or equal to .67.
$500 for qualifying condensing water heaters
$400 for qualifying indirect water heaters
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.
$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
$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
up to $100 for qualifying storage, tank-type water heaters
$200 rebate for after market boiler reset controls connected to a natural gas boiler.
$400 rebate for a high-efficiency indirect fired water heater connected to a natural gas heating system.
$50 rebate for an ENERGY STAR-rated storage water heater with an Energy Factor greater or equal to .62.
Installing a boiler 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.

30. Heating and Cooling Rebates cont.
Receive up to $1,600 after you install a combined high efficiency boiler and water heating unit with the right AFUE rating
Up to $1,500 for a natural gas hot water boiler with the right AFUE rating
Up to $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
$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

31. Heating and Cooling Rebates
Mail in rebates of up to $500 for purchase and installation of high efficiency central air conditioning units
Up to $500 towards purchase of a new high efficiency oil or propane fired heating system
$500 Rebate for a heat recovery ventilator.
$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.
Up to a $600 rebate for a natural gas warm air furnace with electronic commutated motor (ECM) and an AFUE Rating greater or equal to 94 percent.
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32. 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.”
This super insulation upgrade is called a “Deep Energy Retrofit”. A whole house deep energy retrofit may result in energy saving of over 50%, as well as reduced air pollution and a more comfortable and better quality home.

33. 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
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34. Government-backed symbol (EPA & DOE)
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)
If product costs more than non- efficient competitors, investors can recover investment in a reasonable amount of time
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35. Using ENERGY STAR Appliance Savings Refrigerator $165 (lifetime)
Clothes Washer
$135 (annually)
Fill 3 swimming pools (lifetime)
Computer
$88 (lifetime)
Dishwasher
$40 (annually)
3 loads of laundry (weekly)
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36. 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
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37. 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
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38. 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
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39. ? ? ?
Any Questions?
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40. References: www.flaseref.org/SunBuilt_Presentation.ppt
"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)
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