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Author: Tessa Shin, AFC First Financial Corporation
Publication Date: 2012

Presentation describing AFC First's (a lender's) aggressive underwriting and smart product delivery as part of the Keystone HELP program.

Author: Jeff Pitkin, New York State Energy Research and Development Authority
Publication Date: 2012

Presentation describing NYSERDA's alternative underwriting approach for its target market.

Author: Lawrence Berkeley National Laboratory
Publication Date: 2012

This case study highlights Clean Energy Works Oregon's (now Enhabit) low interest, on-bill financing and alternative underwriting practices which have achieved a low rejection rate while also maintaining a low loan default rate.

Author: State and Local Energy Efficiency Action Network
Publication Date: 2012

This document provides sample policy language based on a synthesis of existing state and local policies, and discussion on key provisions, for the design of a commercial benchmarking and disclosure policy.

Author: U.S. Department of Energy
Publication Date: 2013

This summary from a Better Buildings Residential Network peer exchange call focused on energy benchmarking and building disclosure policies.

Determine processes for collecting and sharing data about key contractor metrics and workforce development activities.

Develop contractor engagement, quality assurance, and workforce development plans that include strategies, workflow, timelines, and staff and partner roles and responsibilities.

Author: U.S. Department of Energy
Publication Date: 2012

A template agreement that addresses the full energy efficiency or renewable energy loan origination cycle.

Author: State and Local Energy Efficiency Action Network
Publication Date: 2012

This report provides information on how access to energy use data can help local governments create policies for benchmarking and disclosing building energy performance for public and private sector buildings.

Author: State and Local Energy Efficiency Action Network
Publication Date: 2012

This report provides information on how supporting access to building benchmarking data can help utilities increase efficiency and drive down energy demand.

Author: State and Local Energy Efficiency Action Network
Publication Date: 2012

This report provides information on how energy use data access can help state governments lead by example through benchmarking and disclosing results and implement benchmarking policies for the private sector.

Author: Institute for Market Transformation
Publication Date: 2012

This report is intended to serve as a guide for policymakers and multifamily stakeholders on benchmarking and disclosure rules and regulations. It provides an introduction to the multifamily housing sector, followed by a thorough review of existing benchmarking and disclosure policies and an assessment of continuing policy challenges and opportunities.

Manage third-party impact and process evaluation activities by coordinating with evaluators, transferring data, and overseeing evaluation deliverables. 

Identify and implement systems and tools that will support data collection and data quality necessary for effective evaluation.

Author: Lawrence Berkeley National Laboratory
Publication Date: 2012

This policy brief describes how NYSERDA's Assisted Home Performance with ENERGY STAR Program increases access to financing through tiered underwriting criteria.

Focus on the continuous improvement of your financing activities by tracking and evaluating data, responding to feedback, and modifying strategies when needed.

Determine how your target audience currently funds energy efficiency services, to what extent upfront cost is a barrier, and whether improvements to their financing options would increase the uptake of energy efficiency measures.

Communicate the results of your financing activities to internal and external partners.

Launch your financing activities in coordination with other program components.

Establish an evaluation plan that will allow you to determine how your financing activities are impacting the market.

Develop a plan to implement your financing activities, with defined roles for financial institution partners, contractors, customers, and your program.

Develop the procurement, outreach, and loan support resources required to perform your financing activities.

Identify and partner with financial institutions that can provide capital, underwriting, and other functions to enable your customers to access financing.

Determine if enhancements to existing financing products or the development of new products are necessary to allow you to achieve your goals and objectives.

Ensure that your program’s customers will have access to affordable financing, so they can pay for the services you offer.

Establish goals, objectives, and timeframes for your financing activities.

Author: CNT Energy; National Home Performance Council
Publication Date: 2015

This presentation provides an overview of the CNT Energy and National Home Performance Council white paper "Unlocking the Value of an Energy Efficient Home: A Blueprint to Make Energy Efficiency Improvements Visible in the Real Estate Market." It covers making information about energy efficiency improvements visible to home buyers and others involved in a home sale transaction.

Leveraging EPA's Portfolio Manager in Benchmarking and Disclosure Policy
Author: U.S. Department of Energy
Publication Date: 2011

This webinar highlights the best practices of state and local benchmarking and disclosure policies. It discusses benchmarking and its place in the larger context of energy management planning and explores in detail some of the choices governments face when implementing these policies.

Author: U.S. Department of Energy
Publication Date: 2012

In this video interview segment, Tessa Shin of AFC First discusses the importance of making the loan application process simple for both homeowners and contractors.

Survey existing and potential demand for energy efficiency products and services based on an understanding of policies, housing and energy characteristics, demographics, related initiatives and other market actors.

Define your business model, including market position, products and services, type of customers, financial model, governance structure, and the assets and infrastructure your organization needs.

Develop processes to evaluate your organization’s strengths, weaknesses, and market position on a regular basis.

Implement marketing and outreach activities in coordination with other program components to generate demand for your program's services.

Author: U.S. Department of Energy
Publication Date: 2016

Energy efficiency data can inform real estate transactions – including underwriting and appraisal, but each sector relies on its own sets of tools, data and specifications. The Home Energy Information Accelerator addresses how reliable energy information can get into the hands of decision-makers, and what types of policy, technical, and other changes are needed to make energy information useful in the real estate transaction.

Author: Energy Efficiency Finance Corporation
Publication Date: 2014

Provides a sample or preliminary term sheet for single family residential energy efficiency loans that can provide a basis for discussions and negotiations with prospective lending partners.

Improve your program’s efficiency and effectiveness through regular information collection, assessment, decision-making, adaptation, and communication.

Research and analyze the specific barriers, needs, and opportunities for a residential energy efficiency program in your community.

Develop the necessary materials, tools, and staff capacity to effectively deliver and manage your program.

Solidify your program strategy and decide which customers you will focus on; what products, services, and support you will provide; and how you will partner with contractors and others to deliver services to your customers.

The upfront cost of an energy upgrade can derail homeowners interested in home performance improvements.  One program strategy for making projects more affordable is to offer financing; however, complicated loan application and approval processes can cause delays. Streamlining the loan application process is an effective way to remove this process barrier. By reducing the number of requirements that homeowners must meet to secure a loan, and by accelerating loan application processing,...

Financing allows homeowners to pay for energy improvements over time and invest in higher-cost upgrades than they might be able to afford without it. Some programs offer tiered financing or rebates to encourage upgrades with deeper savings, with terms that grow more favorable as more energy saving measures are pursued. Tiered financing can encourage customers to pursue more ambitious projects. ...

Author: Deutsche Bank Americas Foundation
Publication Date: 2012

This report addresses a key bottleneck for private capital: lenders declining to underwrite energy efficiency loans for multifamily housing because they lack confidence in energy savings. It presents findings from an analysis of 230+ buildings, assesses total savings achieved and savings as a percentage of projections, and provides a starting point for an underwriting methodology.

Author: American Council for an Energy-Efficient Economy
Publication Date: 2014

This guide/toolkit provides step-by-step recommendations on how policymakers can go about devising successful energy disclosure policies. It discusses the who, what, where, when, why, and, most importantly, how, for creating disclosure policies for the residential sector.

Author: Energize Connecticut

Data release form that allows the Connecticut Clean Energy Finance and Investment Authority (CEFIA) to obtain customer utility account and actual energy usage data, energy costs, underwriting and loan repayment records, and data on energy savings measures installed.