Make your home more energy efficient with an energy efficient mortgage. Whether you're purchasing a new home or would like to refinance your home, IFC Mortgage can help you.

1. IFC Mortgage
Leading 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 Mortgage
326 Encinitas Blvd. Ste. 200
Encinitas, CA 92024
Phone (760) 943-6777
www.ifcmortgage.com
NMLS: 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 Efficient 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 Efficient 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.