Energy Mortgages Part IV

Q: What training is required for certification as a HERS Rater?

A: The written standards are available on the RESNET website. Training includes principals of thermodynamics; evaluation of purchased energy amounts and usage; evaluation of building components such as walls, ceilings, roof, floors, fenestrations (doors, windows, skylights), crawl space and basements, ventilation standards, HVAC equipment efficiency determinations, and other types of building science. Diagnostic Testing includes Air Pressure Testing of the building using a Blower Door, and pressure testing of ductwork using a duct fan.

Q: Are there other National Organizations that can offer the type of HERS Rating required by Lenders?

A: RESNET is the national organization for certifying a standardized HERS Rating accepted by the Home Mortgage Industry, the IRS, the DOE and the EPA.

Representatives from the National Association of State Energy Offices and the Home Mortgage Industry formed RESNET in 1995 to standardize energy measurements and energy improvements to homes. Prior efforts had resulted in varied programs in some states and not others, and some municipalities.

Q: How is an improvement to a home calculated by the software as a cost effective improvement?

A: The software compares the projected cost of the improvement to the calculated annual cost savings. If the cost of installation and materials result in a favorable rate of savings in energy cost, the improvement is generally recommended. For example, the cost of $2,000.00 to insulate the walls of a 1960 era home and add insulation to the attic resulting in R-13 in the walls and R-50 in the attic could show an $800.00 savings annually. This shows a payback of the improvement in 30 months. Many simple improvements such as insulation, shell sealing, installation or replacement of weather stripping can show immediate results. After calculating these changes, it may become cost effective to replace the HVAC equipment with newer more efficient models that are correctly sized for the improved house.

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