Special offer

Energy Efficient Mortgage Program- We do them!

Mortgage and Lending with Prospect Mortgage

There is a lot of buzz about FHA's Energy Efficient Mortgage Program or EEM! Prospect Mortgage is happy to announce that we do these mortgages and have been for a long time as a supporter for energy efficiency and helping buyers & home owners reduce their operating costs.


Did you know......?

  • This mortgage is underwritten as a regular FHA with a little more flexibility with debt to income ratio up to 2%. (Stretch Ratios)
  • You can finance up to 5% (not to exceed $8,000) of the property's value, or $4,000 whichever is greater.
  • Borrower may finance 100% of the expense of a cost effective energy package
  • The eligible properties are both new and existing 1-4 units including condo and manufactured homes.

Area focused for Energy improvement

· Making thermal improvements to
  building shells, including insulation,
  weatherization and replacing outdated
  windows and doors.


· Replacing older heating systems, cooling
  systems, lighting, and other energy
  -using devices with new and efficient

· Repairing or adjusting existing
  energy-using equipment.

More  information and detailed examples please visit the official FHA WEB SITE


For an Energy Efficient Mortgage expert please call me at 970-223-8300 or 720-300-6777!  

Catherine Eusea

Selling Branch Manager

Eusea Team at Prospect Mortgage

2032 Caribou Drive, Suite 102

Fort Collins, CO 80525

970-223-8300 Direct

720-300-6777 Cell

877-260-7114 Fax ***NEW FAX NUMBER


NMLS License-237244

CO License-100029963


Tom Caruthers
Federal Energy Services, Inc. - Roseville, CA

Who are you using as a HERS provider in your area?

We are project managers for the FHA/VA EEM in northern California; we work with Prospect a lot!  Raymond Cheung is the manager at the Roseville, CA store.  I'm confident he would give us a positive endorsement.

We are now offering our service nationwide.  If we can assist you and your borrowers, please contact us.


Tom Caruthers

Federal Energy Services, Inc.


Jul 16, 2010 09:53 AM