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ML 09-18: Energy Efficient Mortgages - Increase in the Dollar Amount of Energy Efficient

Section 2123 of the Housing Economic Recovery Act of 2008 (HERA) amended Section 106 of the Energy Policy Act of 1992 concerning the maximum additional amount that can be added to an FHA insured mortgage for energy efficient improvements.  These mortgages with additional amounts for energy efficient improvements are known as Energy Efficient Mortgages (EEMs).  Mortgagee Letter 2009-18 provides guidance to approved mortgagees on the new statutorily authorized maximum mortgage amounts for FHA insured EEMs.

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