The NorthernSTAR and U.S. Department of Energy Building America Program partnership investigated a new model to deploy building science-guided performance solutions to homeowners. This research explored three aspects to market delivery:
1. Understand the homeowner's motivations regarding investing in building science-based performance upgrades.
2. Determine a rapidly scalable approach to engage large numbers of homeowners directly through existing customer networks.
3. Access a business model that will manage all aspects of the contractor-homeowner performance professional interface to ensure good upgrade decisions throughout time.

This report uses program and marketing/outreach data collected from utility programs to identify best practices for achieving high participation in multifamily energy efficiency programs. Through program data and interviews, this research compares costs, savings, and participation across programs and provides a more in-depth overview of the marketing and outreach strategies being implemented to reach multifamily customers

This summary from a Better Buildings Residential Network peer exchange call focused on challenges of energy upgrades in affordable and low-income multifamily properties.

This summary from a Better Buildings Residential Network peer exchange call focused on how home energy upgrade programs can interact and connect with the real estate market.

The work presented in this webinar is a collaborative endeavor by the ARIES Building America team and two major affordable housing providers: Habitat for Humanity International and the factory building industry. The effort is exploring options for making major reductions in space conditioning energy use (≥ 50%) while holding the line on home affordability. Specifically, the project will develop a high-performance integrated design--effectively combining an ultra-efficient thermal envelope, a very low capacity, highly efficient mechanical system, an innovative distribution system, and affordable heat recovery ventilation--and set in motion steps to rapidly move this innovation to market.

This summary from a Better Buildings Residential Network peer exchange call focused on getting multifamily property owners on board with energy efficiency upgrades.

This summary from a Better Buildings Residential Network peer exchange call focused on how organizations can utilize energy modeling tools like the Asset Score for multifamily buildings into their program offerings, narrow the gap between predicted and actual energy savings, and use program data to increase program productivity and quality. It features speakers from Pacific Northwest National Laboratory, American Council for an Energy-Efficient Economy, and OptiMiser.

Utilities and regulators increasingly rely on behavior change programs as essential parts of their demand side management (DSM) portfolios. This report evaluates the effectiveness of currently available programs, focusing on programs that have been assessed for energy savings. This report focuses on behavior change programs that primarily rely on social-science-based strategies instead of traditional approaches such as incentives, rebates, pricing, or legal and policy strategies. The objective is to help program administrators choose effective behavior change programs for their specific purposes.

Utilities and regulators increasingly rely on behavior change programs as essential parts of their demand side management (DSM) portfolios. This report evaluates the effectiveness of currently available programs, focusing on programs that have been assessed for energy savings. This report focuses on behavior change programs that primarily rely on social-science-based strategies instead of traditional approaches such as incentives, rebates, pricing, or legal and policy strategies. The objective is to help program administrators choose effective behavior change programs for their specific purposes.

This document provides updated best practice guidelines to help implement the Policy Framework for PACE Financing Programs, initially announced on October 18, 2009. DOE has developed these revisions to the original “Guidelines for Pilot PACE Financing Programs,” initially issued on May 7, 2010, to reflect the evolving structure of the PACE market and incorporate lessons learned from various PACE programs that have been successfully implemented. The revised and updated guidelines focus specifically on best practices and guidelines for residential PACE financing programs.

This summary from a Better Buildings Residential Network peer exchange call focused on ensuring contractor networks work for both energy efficiency programs and participating contractors.

This paper is intended to guide state governments on Clean Power Plan compliance and shows how leading by example in state and local government programs communicates an agencyÕs commitment to reducing energy consumption, protecting facilities, and protecting taxpayer dollars.

This paper is intended to guide state governments on Clean Power Plan compliance and shows how leading by example in state and local government programs communicates an agency’s commitment to reducing energy consumption, protecting facilities, and protecting taxpayer dollars.

This webcast highlight effective efforts by state and local agencies, non-profits, and utilities to bring energy efficiency and renewable energy (EE/RE) to low-income households.

This webcast in a multi-part series highlighting efforts by state and local agencies, non-profits, and utilities to bring energy efficiency and renewable energy (EE/RE) to low-income communities.

This is the second webinar in a multi-part series highlighting efforts by state and local agencies, non-profits, and utilities to bring energy efficiency and renewable energy (EE/RE) to low-income communities. This 90-minute webinar explored the specific challenges and opportunities faced by programs that aim to improve energy efficiency in multifamily affordable housing, with an emphasis on achieving multiple benefits through deeper retrofits.

Energy efficiency savings have grown substantially in the past ten years, and national leaders in program administration have emerged as savings levels have increased. This report reviews annual program performance for 14 leading energy efficiency program administrators, with a focus on costs, electricity savings, cost effectiveness, and portfolio design.

Energy efficiency savings have grown substantially in the past ten years, and national leaders in program administration have emerged as savings levels have increased. This report reviews annual program performance for 14 leading energy efficiency program administrators, with a focus on costs, electricity savings, cost effectiveness, and portfolio design.

This summary from a Better Buildings Residential Network peer exchange call focused on changing homeowner behaviors to reduce energy demands. It featured speakers from City of Fort Collins Utilities,  American Council for an Energy-Efficient Economy, and the Rocky Mountain Institute.

This document summarizes the findings of a Pacific Northwest National Laboratory analysis on how whole-building data aggregation thresholds statistically affect customer privacy.

This report details opportunities for scaling up program activity and increasing savings from programs reaching the people who need it most. It discussed best practices from existing programs for overcoming many of the key challenges that program administrators face, including how to address housing deficiencies that prevent energy efficiency upgrades, how to address cost effectiveness challenges, and how to serve hard-to-reach households.

This report details opportunities for scaling up program activity and increasing savings from programs reaching the people who need it most. It discussed best practices from existing programs for overcoming many of the key challenges that program administrators face, including how to address housing deficiencies that prevent energy efficiency upgrades, how to address cost effectiveness challenges, and how to serve hard-to-reach households.

This summary from a Better Buildings Residential Network peer exchange call focused on targeted marketing strategies that can be used to craft successful outreach initiatives and communications. It also covered challenges and best practices for engaging specific demographics, including hard-to-reach market segments such as Hispanics, and provided insights into Hispanics relationship with energy.

This study focused on barriers to, and opportunities for, solar photovoltaic energy generation; opportunities for, access to other renewable energy by low-income customers; contracting opportunities for local small businesses in disadvantaged communities; low-income customers to energy efficiency and weatherization investments, including those in disadvantaged communities. It also provides recommendations on how to increase access to energy efficiency and weatherization investments to low-income customers.

This report explores how governments and energy efficiency implementers could help stakeholders better analyze and act upon building performance data to unlock savings.

This paper presents results from three surveys of homeowners, renters, and contractors, which compared their perceptions and priorities for healthy housing to the principles of indoor air and environmental quality. Survey results indicate that: nearly one quarter of homeowners had some concern about healthy-home problems or risks; homeowners cited indoor air quality issues as their leading concern, followed by water quality, harmful materials and chemicals, and indoor environmental quality (such as noise or light pollution).

This paper defines customer engagement, illustrates how engagement platforms can be used in energy efficiency programs, and presents guidelines to help program administrators plan, design, implement, and evaluate a modern, integrated, and efficient customer engagement platform. It also covers how advances in big data and tracking systems can support platforms that are technology-enabled, center on customer needs, leverage psychosocial drivers and data analytics, and employ mechanisms to foster long-term trust and loyalty. Effective customer engagement can also lead to higher satisfaction levels, greater energy savings, and more persistence of savings.

This summary from a Better Buildings Residential Network peer exchange call focused on how energy efficiency could be used to achieve other goals. It features speakers from the City of Orlando and Seattle City Light.

Behavioral change programs are not necessarily a separate category of efficiency efforts; rather, behavioral approaches can be effectively integrated into all programs in residential, commercial, or industrial settings. As increased connectivity within homes and businesses expands opportunities to provide energy information, the role of behavior will likely become even more prominent. Consortium for Energy Efficiency, Inc. (CEE) provides this webpage dedicated to behavior change resources.

This presentation covers the public process to encourage stakeholder participation and input in developing the criteria  for a comparative assessment of energy efficiency financing programs.

Several recent studies purport to show that particular energy efficiency programs and policies do not work or are too expensive. This short paper is written for people who are not evaluation experts and are trying to understand what conclusions they can take from these studies. We examine many of these papers and find that while they do have some useful findings, they often include a variety of unreasonable assumptions or outright mistakes that undermine their conclusions. Based on this review, we offer several recommendations on ways we can constructively move forward.

Several recent studies purport to show that particular energy efficiency programs and policies do not work or are too expensive. This short paper is written for people who are not evaluation experts and are trying to understand what conclusions they can take from these studies. We examine many of these papers and find that while they do have some useful findings, they often include a variety of unreasonable assumptions or outright mistakes that undermine their conclusions. Based on this review, we offer several recommendations on ways we can constructively move forward.

This report is a guide to all customer-facing financing products—products offered by a lender directly to a borrower—used to pay for energy efficiency. Intended for state and local governments that are deciding whether to start a new program, tune up and existing program, or create a Green Bank, it provides information on the full range of financing product options for target participants, the tradeoffs of various products, and potential advantages and disadvantages for different types of customers.

This presentation describes National Grid's experience with customer behavior and engagement through the implementation of its smart grid pilot program.

This summary from a Better Buildings Residential Network peer exchange call focused on how organizations can diversify and grow new revenue streams and types of financing approaches used to make resources stretch further and help homeowners finance upgrades. Speakers include Connecticut Green Bank, Sealed, and Craft3.

This summary from a Better Buildings Residential Network peer exchange call focused on communicating non-energy benefits that homeowners and building owners are most interested in. Speakers include Elevate Energy, Green & Healthy Homes Initiative, and Skumatz Economic Research Associates, Inc.

This presentation describes a U.S. Department of Energy workshop to gather stakeholder feedback on the utility and credibility of existing methods to estimate behavior-based, energy efficiency potential. It offers a review of existing studies of behavior-based energy efficiency potential and the prevalent methodologies used to estimate savings potential.

This webinar explored innovative measures Better Buildings Challenge partners have taken to improve water efficiency while reducing energy use. United Technologies Corporation discussed their impressive water reduction goals and best practices in managing water, while also focusing on energy management strategies at diverse manufacturing sites. The City of Atlanta discussed their new, high-efficiency pumping station and how the efforts of large-scale users to reduce water use can help the City reduce both water and energy use. InterContinental Hotels Group highlighted their worldwide water management program, which includes metering and tracking consumption and water efficiency strategies.

This summary from a Better Buildings Residential Network peer exchange call focused on how home energy upgrades can support electric vehicle adoption.

This insight brief covers the set of standardized consumer protections for property assessed clean energy (PACE) programs that go above and beyond state legislative requirements and are recommended for universal adoption by state and local governments and bond-issuing entities.

This summary from a Better Buildings Residential Network peer exchange call focused on how to deploy smart home technologies and analyze their data.

This white paper from Lawrence Berkeley National Laboratory describes the benefits and costs of energy advisors, and describes how residential energy efficiency programs have made use of them in their program design.

This guide is designed to help state and local governments reduce carbon emissions by connecting them with EPA programs that can help them expand or develop their own energy efficiency and renewable energy initiatives in ways that benefit low-income communities. The guide can also be used by low-income community leaders and stakeholder groups to better understand how they might participate in and take advantage of EPA initiatives to help their communities save energy.

This paper examines the current state of energy efficiency financing, highlighting segments of strength such as cars, green buildings, and energy service companies, and offering areas that are underserved, including residential low-income and moderate-income households and multifamily housing

This paper examines the current state of energy efficiency financing, highlighting segments of strength such as cars, green buildings, and energy service companies, and offering areas that are underserved, including residential low-income and moderate-income households and multifamily housing.

This presentation outlines Duquesne Light Company's multifamily energy efficiency program, including its multifamily market manager model, program services, implementation strategy, program eligibility components, and a case study on a local housing authority project.

This paper describes the current state of energy efficiency financing, highlighting what is and isnÕt working, while offering a look at the future of the industry.

This paper describes the current state of energy efficiency financing, highlighting what is and isn’t working, while offering a look at the future of the industry.

The report, based on U.S. Bureau of Labor Statistics data and a survey of tens of thousands of businesses across the country, provides detailed breakdowns of clean energy jobs not available previously, and it was developed and released in connection with a major U.S. Department of Energy study of all energy jobs in America.

This report examines participation of low and moderate income borrowers (LMI) in the first WHEEL portfolio. This is the first report in a multiyear project by EPC on Residential Energy Finance and the LMI Market that will take a close look at the market for residential energy efficiency and renewable energy loans to in order to increase the number and rate of the retrofits they facilitate.

This summary from a Better Buildings Residential Network peer exchange call focused on using international energy trends to inform programs in the United States.

This summary from a Better Buildings Residential Network peer exchange call focused on demonstration project strategies, advantages and challenges.

In 2014, ACEEE launched a pilot program to test a variety of behavioral strategies to promote energy efficiency among tenants in low- to moderate-income multifamily housing in Takoma Park, Maryland. The program included behavioral messaging, events, educational information, and the distribution of energy saving devices. ACEEE measured energy use in the months before and after the pilot. The white paper includes these results, insights for the development of future behavioral change programs, and recommended engagement strategies for targeted communities.

Through field-testing and analysis, this project evaluated whole-building approaches and estimated the relative contributions of select technologies toward reducing energy use related to space conditioning in new manufactured homes. Three lab houses of varying designs were built and tested side-by-side under controlled conditions in Russellville, Alabama. The tests provided a valuable indicator of how changes in the construction of manufactured homes can contribute to significant reductions in energy use.

This summary from a Better Buildings Residential Network peer exchange call focused on approaches organizations can use to improve the efficiency and effectiveness of home upgrade programs, including strategies to streamline data entry and make continuous process improvements.

This summary from a Better Buildings Residential Network peer exchange call focused on obtaining and using energy efficiency data through tools like the Green Button, smart connected thermostat pilots, and operational ratings of homes to evaluate and/or enhance programs.

This document provides guidance on how policymakers, utilities, and regulators should approach whole-building data access to maintain the confidentiality of utility customers.

This summary from a Better Buildings Residential Network peer exchange call focused on messaging strategies to capture the benefits of home upgrades and attract new customers to home performance.

Combining health and home performance (HHP) offers unprecedented potential to increase market size and benefits. Poorly performing homes due to roofing, heating, electrical, or water issues, are associated with issues, such as respiratory illness, asthma, and injury. DOE is undertaking three initiatives: 1) A review of existing HHP literature; 2) Stakeholder engagement; and 3) Developing a roadmap to expand HHP.

This summary from a Better Buildings Residential Network peer exchange call focused on the intersection between solar and residential energy efficiency. Speakers include Ecolibrium3 and Local Energy Alliance Program (LEAP).

This summary from a Better Buildings Residential Network peer exchange call focused on using smart thermostats and other smart home technologies. Speakers include CLEAResult, Nest Labs, and Vermont Energy Investment Corporation.

This summary from a Better Buildings Residential Network peer exchange call focused on the ACEEE Summer Study, which brought together experts to discuss the technological basis for, and practical implementation of, actions to reduce energy use and the climate impacts associated with buildings.

The primary objective of the quantitative research phase of this survey was to get market-based feedback and insights in the following areas to assist the industry in better serving its constituents, including: insights as to major challenges that industry is facing and potential support that organizations could provide and feedback on how industry organizations could add value for constituents in the future.

This presentation covers Home Energy Reports (HER), a behavior change strategy, and conducting multilevel modeling to garner insights into which consumers drive energy savings.

This summary from a Better Buildings Residential Network peer exchange call focused on effective strategies to ensure that HVAC contractors do high-quality work and recommend the most appropriate systems for homeowners.

This summary from a Better Buildings Residential Network peer exchange call focused on effective messages to motivate homeowners to undertake upgrades over time.

This summary from a Better Buildings Residential Network peer exchange call focused on approaches organizations can use for moving homeowners from HVAC or other individual improvements to whole home upgrades and encouraging homeowners to undertake upgrades over time.

This literature review describes what is currently known about the occupant health benefits resulting from residential energy efficiency or work that is consistent with home performance upgrades. Of particular interest are the occupant health impacts associated with work typically conducted by the home performance industry, such as: air sealing and insulation; properly-sized, selected, matched, and installed energy efficient heating, ventilation, and air conditioning (HVAC) systems; identification and correction of moisture problems; proper whole house and room ventilation; lighting; and additional services including the replacement of appliances; measurement and installation of whole house and room air filtration systems (e.g., air purifiers); and basic pest exclusion. The intent of this literature review is to examine research that assessed work that would not be expected to harm residents or the workers.

Energy retrofits can harm or help resident health. Beyond preventing harm, this presentation covers how to use energy retrofits as an opportunity to improve the lives of your building residents and the surrounding community. It focuses on different ways that organizations are using energy efficiency to improve their communities through positive health outcomes and job creation.

A car is only as efficient as its driver and its mechanic; so, too, for buildings. This presentation covers best practices and reviews case studies on engaging building residents and training facilities managers to keep buildings running efficiently and meeting Better Buildings Challenge goals.

A recent cost vs. value report compared the average cost for popular remodeling projects with the value those projects retain at resale value in 100 different U.S. markets. This Home Energy article discusses how one of the most valuable remodeling options is one you can’t see--energy efficiency.

This report discusses indoor air quality issues, including: wildfire smoke, dampness, and mold, and the effect of energy efficiency upgrades on these health-related issues. The report describes current state policies and programs in these areas, highlighting approaches for consideration by other jurisdictions.

This summary from a Better Buildings Residential Network peer exchange call focused on innovative technology like ductless heat pumps and research in technology including wireless sensors for building monitoring applications and air-source heat pumps.

This publication explores the behavioral factors behind individual homeowners' use of energy, and what might change those behaviors. The chapters cover: (1) Leverage Points for Achieving Sustainable Consumption in Homeowner Energy Use; (2) Evaluating the Theoretical Justification for Tailored Energy Interventions; (3) Quantifying the Value of Home Energy Improvements; (4) Considering the Effect of Incorporating Home Energy Performance Ratings Into Real Estate Listings; (5) Energy Efficiency 101: Improving Energy Knowledge in Neighborhoods; (6) Enhancing Home Energy Efficiency Through Natural Hazard Risk Reduction: Linking Climate Change Mitigation and Adaptation in the Home; (7) Leveraging the Employer-Employee Relationship to Reduce Greenhouse Gas Emissions at the Residential Level; and (8) Increasing the Effectiveness of Residential Energy Efficiency Programs.

Achieving energy savings goals and improving customer and contractor satisfaction while staying cost-effective makes managing home energy upgrade programs challenging. DOE's Home Upgrade Program Accelerator is working with program administrators to identify strategies that overcome challenges and achieve better results. The Arizona Home Performance with ENERGY STAR program completed process improvements that improved contractor satisfaction and deceased quality assurance labor.  Build It Green implemented software improvements to their utility program's online rebate applications portal to accelerate data processing.

This summary from a Better Buildings Residential Network peer exchange call focused on opportunities and challenges in the Southeast and holistic, whole house approaches for working in hot and humid climates.

Energy efficiency programs can communicate with jargon and technical terminology, which puts off homeowners. However, marketing best practices suggest wording based on improved consumer experience is more effective. This presentation covers seven proven communications strategies for causing behavior change.

This summary from a Better Buildings Residential Network peer exchange call focused on quality assurance of energy efficiency services.

This paper analyzes Bank of America's $55 million initiative to provide low-cost funding and grant support to advance energy efficiency investment in low- to moderate-income communities. The funding supported community development financial institutions (CDFIs) in developing and enhancing efficiency programs for residential, commercial, and multifamily buildings. We report on loan performance, energy savings, and the degree to which the savings offset the cost of the energy efficiency investment.

This paper analyzes Bank of America's $55 million initiative to provide low-cost funding and grant support to advance energy efficiency investment in low- to moderate-income communities. The funding supported community development financial institutions (CDFIs) in developing and enhancing efficiency programs for residential, commercial, and multifamily buildings. We report on loan performance, energy savings, and the degree to which the savings offset the cost of the energy efficiency investment.

Better Buildings Home Upgrade Program Accelerator partners, Build It Green, Enhabit, and NeighborWorks of Western Vermont, discussed steps for streamlining program processes, and strategies to improve data management, contractor relationships, and customer experiences. Tools and resources were presented as examples of how these ideas can be implemented in programs across the country.

This handout summarizes the key lessons learned regarding workforce development contained in the Better Buildings Residential Program Solution Center.

This document features lessons learned shared by Better Buildings Residential Network members during Peer Exchange Calls held during Autumn 2016.

This document features lessons learned shared by Better Buildings Residential Network members during Peer Exchange Calls held during Fall 2015.

This document features lessons learned shared by Better Buildings Residential Network members during Peer Exchange Calls held in Winter 2016.

This document features lessons learned shared by Better Buidlings Residential Network members during Peer Exchange Calls held during Spring 2016.

This publication summarizes program design, marketing, workforce development, and other key takeaways learned during Peer Exchange Calls.

This publication summarizes lessons learned from Peer Exchange Calls about how energy efficiency programs and partners can leverage timing to engage homeowners.

This presentation highlights the potential operational, financial and environmental benefits that smart meters offer to residential customers, particularly low-income customers. Low-income customers have a higher energy burden, making energy savings more impactful.

Energy burden is the percentage of household income spent on home energy bills. In this report, ACEEE, along with the Energy Efficiency for All coalition, measures the energy burden of households in 48 of the largest American cities. The report finds that low-income, African-American, Latino, low-income multifamily, and renter households all spend a greater proportion of their income on utilities than the average family. The report also identifies energy efficiency as an underutilized strategy that can help reduce high energy burdens by as much as 30%. Given this potential, the report goes on to describe policies and programs to ramp up energy efficiency investments in low-income and underserved communities.

Energy burden is the percentage of household income spent on home energy bills. In this report, ACEEE, along with the Energy Efficiency for All coalition, measures the energy burden of households in 48 of the largest American cities. The report finds that low-income, African-American, Latino, low-income multifamily, and renter households all spend a greater proportion of their income on utilities than the average family. The report also identifies energy efficiency as an underutilized strategy that can help reduce high energy burdens by as much as 30%. Given this potential, the report goes on to describe policies and programs to ramp up energy efficiency investments in low-income and underserved communities.

The report analyzes data from the U.S. Census BureauÕs 2011 and 2013 American Housing Survey to determine energy burden values for 48 of the largest U.S. Cities. On average, low-income households pay 7.2 percent of household income on utilitiesÑmore than twice as much as the median household and three times as much as higher income households. If low-income housing stock were brought up to the efficiency level of the average U.S. home, this would eliminate 35 percent of the average low-income energy burden of low-income households. The second half of the report focuses on strategies for alleviating high energy burdens including policies and programs to increase the impact of energy efficiency initiatives in these communities.

This presentation describes non-energy benefits from energy efficiency upgrades in low-income households, draws from research on health and related benefits of the U.S. Department of Energy's (DOE) Weatherization Assistance Program (WAP), and tailors insights to Massachusetts.

This blog post from Home Energy Magazine includes thirteen sales tips for home energy contractors.

This paper presents the findings of market research performed to determine the potential options for packaged advanced measurement and verification (M&V 2.0) type software tools capable of evaluating residential energy efficiency programs. It describes the structure of the evaluation, including the process of establishing program goals, identifying a testbed energy efficiency program, and selecting a vendor. Last, the paper highlights lessons learned along the way.

The Better Buildings Home Energy Information Accelerator aims to make energy data more accessible to home buyers, realtors and others. This presentation covers how Colorado launched a statewide residential labeling initiative that made home energy data available at point of sale, and how partnerships in the Northeast are incorporating energy efficiency into the Multiple Listing Service (MLS), with Vermont pioneering the regional effort.

This presentation covers the Maryland Department of Housing and Community Development's Multi-family Energy Efficiency and Housing Affordability (MEEHA) programs.

This study assesses and monetizes a sub-set of non-energy benefits experienced by recipients of energy efficiency services residing in income-eligible households in MA, including: reduced asthma; reduced cold-related thermal stress; reduced heat-related thermal stress; reduced missed days at work; reduced use of short-term, high interest loans; increased home productivity due to improvements in sleep; reduced carbon monoxide poisoning; and reduced home fires.

This report was developed to help inform national stakeholders about the strategies that have been used to achieve deep energy savings in the multifamily housing sector through energy efficiency upgrades. These strategies could be used as models in areas where utility program administrators and policymakers seek to achieve deep energy savings in the multifamily building stock for the purposes of reducing energy costs, creating comfortable and healthy homes, meeting regulatory requirements, or reducing the environmental impacts of energy consumption. This report includes a national multifamily market characterization, barriers and opportunities for program and policy efforts, and eight exemplary case studies from across the country.

The research described in this report holds great potential to significantly improve the process for including energy efficiency in developing and implementing federally funded multifamily rehabilitation projects through the USDA, the U.S. Housing and Urban Development (HUD) Low Income Housing Tax Credit, and other programs.