Ray Hall has been doing efficient energy work in California for many years. Here is a link to his video on Energy Efficient Mortgages.
These can be FHA, VA or Conventional types. They allow the cost, of qualified energy improvements, such as additional insulation, other improvements to the building shell and newer more efficient heating and cooling systems, to the mortgage amount. This applies to your first loan on the property or a refinancing loan. The concept of a qualified energy improvement is one that shows enough cost savings to support the additional cost of the mortgage payment.
If you qualify for a loan, you probably qualify for an Energy Efficient Mortgage.
See what Ray Hall has to say in the video. Ask your mortgage lender about an Energy Efficient Mortgage. Efficient Energy Savers can provide the audit and the calculations for the EEM.