Financing your investment

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Financing your Investment

Energy Efficient Improvements are invesments that will pay back in both financial (energy savings) and personal (comfort) ways. There will always be a return on invesment for energy efficient improvements, but often homeowners have not planned on these improvements and fail to make the improvements because they don't have the funds set aside for such improvements.

Don't let this get in the way of making these important improvements. In most instances, financing your imrovements will have offsetting cost/savings benefits. Let's look at a few different ways to get your energy efficient improvements done without upsetting your monthly budget.

Our customers have reported energy savings, from making their improvements, as high as 50% or more. The average savings is somewhere in the 30% to 40% range. Let's settle on an average of 35% savings for our example.

Example

Example 1

Home size: 3500 square feet

average utilities: $350/ month (gas, electric, water)

average savings from making improvements: 35%

Our average improvement package is around $3700

$350/month

x 35%

$122/month

$122 per month @ 20% interest for 48 months would finance $4000 in improvements.

You could finance $4000 worth of improvements @ 20% for 48 months and your net cost would be 0!

Example 2

Home size: 6000 square feet

average utilities: $500/ month

average savings: 35%

$500/month

x 35%

$175/month

$175/month @20% for 48 months would finance $5750

Again, you can finance your improvemets and offset any cost with the energy savings you will realize from doing the improvements.

Our KwikComfort financing is a convenient way for you to finance these improvements. This convenient line of credit has a minimum payment of 2% of the balance and you can pay as much as you want, allowing you to pay off your balance at whatever pace fits in your budget.

Financing is available to qualified buyers up to credit limits $20,000.

Another way to finance your improvements is through a Federally sponsored program that allows you to refinance your home and make energy improvements without using the equity in your home. This financing is referred to as

Energy Improvement Mortgage or EIM financing. There is also a new construction program that allows homeowners that are building new homes (EEM) to make their home Energy Star efficient and get bonus equity for the improvements.

EIM/EEM

For more information on EIMs or EEMs go to www.energystarhomeloans.com

Whether you use KwikComfort, EIM/EEM financing, or plain American cash, investing in Energy Improvements is always a good investment

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