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Welcome to EcoEnergy Loans! We offer a complete mortgage solution for purchasing or refinancing your home.
We specialize in:
- 203(K) loans (FHA's Limited Repair Program)
- EEM (Energy Efficiency Mortgage)
- Conventional Refinances for Energy Efficiency
and help you take advantage of the many cost-saving loan options, rebates and tax credit options available to homebuyers.
We are also committed to helping you make your home more energy-efficient, which means lower energy bills and a more comfortable home.
If you decrease your energy use by 30% (documented by a HERS test), we give you 1/8 point reduction in rate or 1/4 on fee. And if you decrease your energy use by 50%, we give you 1/4 point reduction in rate or 3/8 on fee.
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Option 1: Purchase or Refi with Energy Reduction Mortgage
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Reduce both
Energy Bills &
Mortgage Payments
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Upgrade / Rehab
203K Streamline
or Conventional
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Non-Structural
Improvements
for Existing Homes
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- Get an Energy Upgrade at today's low mortgage rates
- 30 year financing on home upgrades
- Secure Energy Efficiency Tax Credit of $1,500 for $5,000 of improvements
- First Time Buyer Tax Credit up to $8,000
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- Qualify for new 30 year FHA mortgage up to $729,750
- Only 3.5% down for purchase or 2.5% equity for refinance
- Add up to an additional $35,000 of rehab to first mortgage
- Only requires a minimum credit score of 620
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- Solar Water Heater
- Solar Panels
- Flooring
- Low VOC Paint
- Kitchen & Bath
- Electrical & Plumbing
- Septic & Wells
- Decks & Roof
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Option 2: Energy Efficiency Mortgage (EEM)
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NEW! No credit qualification for an additional 5% of value for cost-effective energy solutions. For example: a $500,00 home combining the 203K and EEM to add up to $60K of upgrades, all included in the 30 year fixed mortgage!
- Insulate Roof & Walls - Upgrade Furnace and AC
- Install dual pane Windows - Install EnergyStar Appliances
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Save on Lower Energy Bills
and Lower Mortgage Payments!
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Sound Mortgage - 4604 Scotts Valley Drive Suite 12 - Scotts Valley, CA 95066
Office Phone: (831) 461-0100 Fax: (866) 208-9492 Cell Phone: (831) 247-5573
We lend in the following states: CA, WA, OR
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