Home, Investment Property and Construction Loans

How to finance your custom dream home or commercial building

Ten steps to financing your new BIOS home with the lender of your choice

WHO BENEFITS FROM THE ENERGY EFFICIENT MORTGAGE?

Buyers:
Qualify for a larger loan on a better home!
Get a more comfortable home NOW.
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.
Attract attention in a competitive market.

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.

Pay for energy improvements easily, through your mortgage. Your lender can increase your loan to cover energy improvement costs. Monthly mortgage payments increase slightly, but you actually save money because your energy bills will be lower!

If included in the mortgage, solar will increase your payment by the average of $19.00 per month while reducing your utility bill by $25 to $45 per month; thus, giving the homeowner a positive cash flow from day one.

Example:
Adding a Solar Energy System to mortgage: $19.00/month
Potential Power Bill Savings: $45.00/month
-----------------
Positive Cash Flow/month: $26.00

But that's not the only benefit! Installing a Solar Water Heater can also help you qualify for an Energy Efficient Mortgage (EEM). The advantages of an EEM include a reduced down payment, lower closing cost or an increased debt-to-income ratio. This debt-to-income ratio stretch means you qualify for a larger mortgage. So, when you're deciding what to include in your new home, remember that solar is the only household appliance that pays for itself over and over again. Other water heating systems, like electric and gas require never-ending monthly utility payments. The sun's energy is FREE.

Learn more click here

Additional Mortgage Resources

M&T Bank Construction Loans

Countrywide Home Loans

Your personal bank is also a great resource!

THE BIOS BUILDING TECHNOLOGY CENTER

15,500 square feet of prime residential and commercial space dedicated to

showcasing the best of green building and design technologies as well as a BALANCED LIVING CENTER that will be a combination of businesses and services that promote health and wellness.

Coming Soon to 72 Railroad Street in New Milford, CT

Zero-Energy  -  Affordable - Green - Automated - Sustainable

Homes, Churches and Commercial Buildings