Protect Homebuyers, Reward Efficiency

…“E” for energy expenses needs to be added to the PITI, so that all homes will disclose their PITI+E. Disclosures are not new. They are a common element in real…

Financing Energy-Saving Improvements and Zero Energy Homes for All

…add energy costs to their calculation (PITI+E), a world of new opportunities would be available. In effect, occupants would be allowed to shift money from monthly utility bills (an expense)…

Zero Energy Homes – A Financial Win for Homeowners

…formula does not include energy costs – an important part of the cost of homeownership. If lenders used PITI+E, with the E standing for energy costs, it would more accurately…

The Buying Power of Efficiency

…insurance and sometimes property taxes. Energy should be added to the formula so that it looks like this: PITI+E, or PITIE, allowing borrowers to shift dollars from the E to…

Zero Energy Homes Cost Less to Own

With cost-effective design and construction, the energy saving features and solar collectors for a zero energy home may add 5 to 10% over the cost of a similar-sized home built…

Getting to Zero: Buildings, Transportation and Agriculture

…retrofits. Change Freddie Mac and Fannie Mae policies to require banks and other lenders to determine loan amount eligibility by PITI+Energy (Principal, Interest, Taxes, Insurance, plus Energy Costs) so that…

Zero Energy Homes Cost Less to Own Than Standard Homes

…considerably less than for a comparable standard home. The total cost of ownership includes monthly mortgage principle and interest, taxes and insurance (PITI), as well as the energy expenses for…

How To Sell Zero To Anybody

…level of comfort not found in standard homes.   They Cost Less To Own You can explain the monthly or yearly cost of ownership, which includes PITI+E+M (Principal, Interest, Taxes,…

Millennials in a Housing Crisis

…full cost of ownership, which includes principal, interest taxes, insurance, energy, and repairs — or PITIER. In addition, many millennials put environmental and lifestyle concerns high on their lists. Building…

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