IFC MortgageLeading Lenders in California

FHA and VA Energy Efficient Mortgages

Lower monthly utility bill usually offset the increased monthly mortgage payment.

Potential greater resale value.Potential federal and local tax advantages.*

100% of the qualifying improve-ments, such as furnace/cooling systems, weatherization or replacing doors and windows can be financed up to the allowable limits.**

* Borrowers should consult their tax professionals.** Cost-effectiveness of the energy improvement using HERS guidelines is required. Cost will apply.The EEM may be used for all property types, purchase and refinance transactions, including Streamline refinances.New construction and existing construction are eligible for EEM.

IFC Mortgage326 Encinitas Blvd. Ste. 200Encinitas, CA 92024Phone (760) 943-6777www.ifcmortgage.comNMLS: 246510 BRE: 01499025 NMLS: 243343 BRE: 01108253

David Church Brian McDonnell

All Rates and Programs are subject to change without notice. Licensed by the CA Bureau of Real Estate #01499025

FHA Energy E�cient Mortgages can cover improvements that are lesser than 5% of: the value of the property; 115% of the median area price of a single family dwelling; or 150% of the conforming Freddie Mac limit.

VA Energy E�cient Mortgages can cover up to $3000 in improvements based solely on the documented costs or up to $6000 provided the increase in monthly mortgage payment does not exceed the likely reduc-tion in monthly utility cost. Amounts larger than $6000 are subject to a value determination by VA.