EEM - Energy Efficient Mortgage piggyback for 203k - Roseville

HERS Raters are doing an amazing job... they make a detailed inspection and come up with a report that will tell you all the energy savings you might consider then list them in the "most benefit to you" order. This is essential when you are looking at the "payback" as they give you a good look at just how fast you can expect to recover your expenditure for the EEM items. Wow. I think we all know that dual pane windows have very little energy savings and take a long time to pay for themselves... usually a lot longer than most people stay in a home but many other improvements can and do make lots of sense. Now, though windows may not be high on the "payback" with savings list they are esthetically desirable and as such can be recognized as a viable rehab item while not being that energy efficient. They make the home LOOK more up to date and help the selling or marketing process. What I was amazed to see is the payback on the attic insulation. I heard it was like 3 times per year. that is crazy not to do on any remodel or renovation project.