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In today's world of rising energy costs, it makes sense to seek out ways to save money in one's electric and gas bills. Aside from doing the most obvious, such as using energy efficient light bulbs, turning off appliances when not in use and keeping thermostat controls set at reasonable temperatures, an excellent way to curb the cost of energy (which most people do not know about) is to have an energy efficient mortgage. These kinds of mortgages permit homebuyer's to divert one's energy costs (including costs used to improve one's home energy efficiency) into the mortgage itself, which results in slightly higher monthly mortgage payments but lower energy bills. Although it will cost around three-hundred dollars to have an appraisal done with a Certified Energy Rater, the long-term savings and environmental benefit will be well worth it.

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