Affordability

Affordability is essential to getting the biggest greenhouse gas reductions across the country by ensuring that people and families across all income levels are able to both implement energy efficiency in their homes and spaces, and reap the benefits of energy efficiency as well. To learn more about IMT’s strategies for affordability, check out our resources below.

The Latest

Designing A Mortgage Process for Energy Efficiency

As the U.S. housing stock ages and energy prices climb, more robust strategies and financing mechanisms are needed to drive energy efficiency renovations in existing homes, particularly among low- and middle-income households. To date, residential retrofit strategies have broadly targeted homeowners, with less emphasis placed on leveraging the home purchase process to trigger renovations early … Continued

Home Energy Efficiency and Mortgage Risks

Many have theorized that energy-efficient homes should have lower default risks than standard homes because the former are associated with lower energy costs, which leaves more money to make the mortgage payment. However, few empirical studies have been conducted due to limited data availability. This study examines actual loan performance data obtained from CoreLogic, the … Continued

Home Energy Efficiency and Mortgage Risks: Executive Summary

Many have theorized that energy-efficient homes should have lower default risks than standard homes because the former are associated with lower energy costs, which leaves more money to make the mortgage payment. However, few empirical studies have been conducted due to limited data availability. This study examines actual loan performance data obtained from CoreLogic, the … Continued