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This leaves a large market of houses that can qualify for a Energy Efficient Mortgage (EEM). The Federal Housing Administration (FHA), a federal agency which insures private loans, backs EEMs that allow mortgage lenders to add 100 percent of the additional cost-effective energy efficiency improvement costs to an approved home mortgage loan.
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“People are looking for first-floor master [suites. going up.” Energy-efficient construction and components are also a popular selling point. The Michaels Group expects the economy to remain strong.
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