Archive for September, 2011

Habitat for Humanity of Metro Denver partners with EPA to build greener homes

Habitat for Humanity of Metro Denver partners with EPA to build greener homes
Groundbreaking at first ENERGY STAR, WaterSense and Indoor airPLUS labeled residence in Golden, Colo.
Contact: EPA: Lisa McClain-Vanderpool (303)312-6077; Habitat contact: Robyn Burns (720)496-2712
(Denver, Colo.-Sept.14, 2011) Today in Golden, Colo., ground was broken at the first ENERGY STAR, WaterSense and Indoor airPLUS affordable home in the nation. This Habitat for Humanity duplex will be the first home to be built to a trio of EPA new homes programs that sets standards for energy efficiency, water efficiency and healthy indoor air in residential home construction.
Habitat for Humanity of Metro Denver (HFHMD) has partnered with the U.S. Environmental Protection Agency (EPA) by committing to use the new ENERGY STAR Version 3 guidelines, as well as Indoor airPLUS, and WaterSense specifications in all future home building.
HFHMD is the first affordable homes builder in the nation to partner with EPA on these three programs, as well as the first Habitat affiliate in the nation to do so. This partnership is likely to expand to all Habitat affiliates and by example, to many homebuilders across the country. This duplex will be the first of over 40 homes to be built by Habitat in 2012.
“With this and future building projects, Habitat for Humanity of Metro Denver is setting the example that healthy and efficient homes are not a luxury – they’re a necessity in these tough economic times,” said Jim Martin, EPA’s Regional Administrator. “These homes will also contribute to the reduction of greenhouse gases, save thousands of gallons of precious water resources and keep toxic materials out of the environment.”

“Habitat for Humanity understands the importance of building high-quality, healthy and sustainable homes that families can live and thrive in well into the future,” said Heather Lafferty, CEO, Habitat for Humanity of Metro Denver. “That’s why our affiliate has focused on building green, energy-efficient homes which have been ENERGY STAR tested for more than a decade. These measures help save homeowners hundreds of dollars each year on utility costs, while also providing them with a healthy living environment.”

About Habitat for Humanity of Metro Denver:
Habitat for Humanity is a homeownership program for low-income families. It engages the community in building high quality, energy-efficient homes which are sold to hard-working families in desperate need of stable, affordable housing. Qualified families purchase Habitat homes with zero-interest loans and make mortgage payments based on 25 percent of the family’s income. Habitat for Humanity of Metro Denver has built 450 homes throughout its 32-year history of building in Denver. For more information about Habitat for Humanity, please visit www.habitatmetrodenver.org.ENERGY STAR
Compared with standard homes, ENERGY STAR certified homes use substantially less energy for heating, cooling, and water heating-delivering $200 to $400 in annual savings.
Habitat for Humanity of Metro Denver is building this home to ENERGY STAR’s new more rigorous Version 3 guidelines which are 15% more energy efficient than the 2009 International Energy Conservation Code (2009 IECC) and come with additional efficiency features that make these homes 20-30% more efficient than a typical new home. For more information visit: http://www.energystar.gov/
WaterSense
WaterSense labeled homes are designed to use 20% less water, indoors and out; resulting in cost savings of $600 a year. A WaterSense labeled home can save a family of four as much as 50,000 gallons of water a year – enough to wash more than 2,000 loads of laundry.
Since its inception in 2006, the WaterSense program has helped Americans save 125 billion gallons of water and $2 billion in utility bills. For more information visit: http://www.epa.gov/WaterSense/
Indoor airPLUS
We spend up to 90% of our time indoors. This means that the indoor environment can have a significant impact on our health. EPA studies have shown that levels of air pollution inside the home are often 2 to 5 times higher than outdoor levels.

There are significant possible health risks of breathing indoor air pollutants like mold, radon, carbon monoxide, pesticides, combustion gases and other toxic airborne chemicals.

Homes built with Indoor airPLUS incorporate more than 30 design and construction features to help protect you against these pollutants, such as moisture and mold control, radon-resistant construction, improved heating and air conditioning design and installation, advanced air filtration, fresh air ventilation, combustion safety, insect barriers and steps to reduce levels of chemicals in the home. For more information visit: http://www.epa.gov/indoorairplus/
Note: If a link above doesn’t work, please copy and paste the URL into a browser.
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Corrected FHA EEM Program Info

All-

Corrected FHA EEM Program Info:

The FHA Energy Efficiency Mortgage (EEM) program allows a borrower to finance up to 100 percent of the expense of a cost-effective “energy package” based on analysis by and recommendations of a qualified, third-party home energy rater.

The required home energy audit must be conducted using a tool known as the Home Energy Rating Systems (HERS). Standards for completing of the HERS audit, and for the auditors eligible to conduct a HERS audit, are most commonly established by either:

• States agencies having authority to prescribe specific requirements and standards for residential energy ratings and rater qualifications, or;
• The national Residential Energy Services Network (RESNET), a non-profit organization founded by the National Association of State Energy Officials and Energy Rated Homes of America, that has set standards for energy efficiency assessments in the U.S. since 1996.

State requirements must be satisfied when completing an EEM transaction in states with specific requirements governing the scope of the energy analysis/rating or the qualifications or licensing of the energy auditor/rater. In states with certification and licensing requirements for energy raters, it is recommended that lenders request the HERS rater license number or evidence of certification, when underwriting an EEM.

Please be sure to visit our EEM Home page, This EEM Home page provides number of resources, including: a sample EEM worksheet, which helps lenders calculate the maximum EEM loan amount, and a Cross Reference Tips sheet, which consolidates many of the EEM rules by category. Visit FHA’s EEM homepage at: http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/eem/eemhome

For FHA technical support on EEMs or any other FHA issue, please contact the FHA Resource Center at: www.hud.gov/answers You can also get email technical support at: answers@hud.gov

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You can send in one email address or thousands. Email your list to: jerrold.h.mayer@hud.gov

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There is still time to register for Appraiser and Lender Training in Tampa FL:

There is still time to register for Appraiser and Lender Training in Tampa FL:

September 13-14, 2011 – Tampa, FL. FHA Appraiser and Lender Training. The credit training includes an overview of 203k, 203k Streamline and Energy Efficient Mortgages. In addition we will review recent Mortgagee Letters and discuss general underwriting do’s and don’ts. The appraiser training will cover recent Mortgagee Letters, appraising HUD REO properties, 203k inspections, and defining required repairs vs. cosmetic deficiencies. Registration required, no fee. More info at: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registerEvent&eventId=1044&update=N
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More FHA Training Around the Nation:
September 14, 2011 – Portland, OR. FHA Loss Mitigation Program Training. Sponsored by HUD. This morning session (8:30 AM to 12:00 PM PST) will cover the various foreclosure prevention provisions offered for FHA borrowers including recent program updates to the special forbearance option for unemployed and trial modifications for loan modifications and partial claims. Registration required, no fee. More info at: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registerEvent&eventId=1036&update=N
September 14, 2011 – Portland, OR. HUD Housing Counseling Program Recordkeeping and Reporting Workshop. Sponsored by HUD. This afternoon session (1:00 PM – 4:30 PM PST) will cover the major administrative aspects of HUD’s housing counseling program with emphasis on recordkeeping and reporting. Other topics include affirmatively furthering fair housing and client management system requirements effective October 1, 2011. The free training is open to any nonprofit or government agency participating in HUD’s housing counseling program. This training is highly recommended for program managers/supervisors that monitor housing counseling staff. Registration required, no fee. More info at: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registerEvent&eventId=1037&update=N
September 14-15, 2011 – Portland, OR. Annual NAIFA State Conference. Come join the Rose City Chapter of National Association of Independent Fee Appraisers (NAIFA) for their Annual State Conference. This 2 day conference will cover “Completing Today’s FHA Appraisal”, presented by FHA Santa Ana Homeownership Center instructors (7 Hrs CE); NAIFA will present “Operating an Appraisal Business” along with other property related topics. Registration required, Fee For more information: http://www.ifanw.com/images/stateedconf2011.pdf

September 20-21, 2011 – Fort Worth, TX. A Day with FHA & The FHA Appraisal. Join the Fort Worth Mortgage Bankers Association and FHA’s Denver Homeownership Center in Dallas/Fort Worth for two days of training. Underwriters, processors, loan officers, managers, and appraisers will benefit from this opportunity. Classes will borrower eligibility, underwriting appraisals, refinances, troubleshooting, FHA connection, and more. Certificates will be issued to all attendees and six hours of CE Credit will be obtainable for Appraiser Licensing. There is limited seating; register early to ensure attendance. Registration required, fee. For more information please visit: http://www.fortworthmba.org/

September 21, 2011 – Birmingham, AL. HUD Loss Mitigation Program Training for HUD approved Housing Counselors, local servicing lenders and nonprofits. Medical Forum Building, 950 22nd Street North, Birmingham, AL. 35203 Medical Forum Room A. Registration from 8:30-9:00. Class from 9:00–4:30. Please Note: The completion of NSC’s Online EClass Training is no longer a prerequisite prior to registering & attending the classroom training, however it is strongly recommended. Register at: https://eclass.hudtulsa.org/ Any questions can be directed to Carol Nix at: (205) 745-4358.
September 21, 2011 – Webinar: HUD Appraiser REO Training. – The Atlanta Homeownership Center is presenting a webinar on the REO M&M III protocol and HUD’s guidelines for FHA appraisers. Learn the general principles of the REO M&M III program. This training will explain the responsibilities of the M&M III partners and how FHA appraisers should appraise HUD REO properties. This training is designed for FHA appraisers, Lenders, Real Estate Listing Brokers, M&M III partners: Asset managers, Field Service Managers, Mortgage Compliance Managers, Loan Officers and Sales agents. This webinar is a semi-technical appraiser training. Training will be at:10:30AM-1:00PM Eastern Standard Time. Registration required, no fee. More info at: https://www1.gotomeeting.com/register/307260041 Course Materials can be downloaded at: http://portal.hud.gov/huddoc/aga092111.pdf
September 21-22, 2011 – Seattle, WA. FHA Lender Training. FHA will be conducting a 2-day class where they will discuss recent changes, automated (AUS) vs. manual underwriting, review & discussion of feedback certificate and documentation, post endorsement technical reviews, insuring deficiencies, highlights of underwriting the FHA appraisal and much more. This training is for mortgage lending professionals; highly beneficial for Underwriters, Processors, and Loan Officers. Registration required, no fee. More info at: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registerEvent&eventId=1029&update=N
September 22, 2011 – Las Vegas, NV Comprehensive Loss Mitigation Program Updates and Nevada Mediation Workshop. This training will cover the various foreclosure prevention provisions offered for FHA borrowers including recent program updates. A representative from Fannie Mae (FNMA) will also discuss recent changes to FNMA loss mitigation options. Guest speakers from Nevada Foreclosure Mediation Program and Legal Aid Center of Southern Nevada will discuss how to prepare clients for mediation and the legal aspects of short sales in Nevada including deficiency judgments. This foreclosure intervention training is for HUD-approved housing counselors, mortgage servicers, government agencies, and other nonprofit organizations that offer housing counseling or mortgage servicing. Class is free; Registration required. For more details and registration link, go to: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registerEvent&eventId=1034&update=N
September 22-23, 2011 – Atlanta, GA. FHA Condo Training. FHA is sponsoring 2 days of live training on condos. Learn about FHA Condo guidelines with a focus on using the Condominium Project Approval and Processing Guide. Registration required, no fee. More info at: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registerEvent&eventId=1026&update=N
September 27-28, 2011 – Philadelphia, PA. FHA Condo Training. FHA is sponsoring 2 days of live training on condos. Learn about FHA Condo guidelines with a focus on using the Condominium Project Approval and Processing Guide. Registration required, no fee. More info at: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registerEvent&eventId=1024&update=N
October 24-26, 2011 – Boston, MA. NRMLA Annual Meeting and Expo. Sponsored by the National Reverse Mortgage Lenders Association. Come join this gathering of reverse mortgage professionals, HECM Counselors and Vendors. Learn about to all the important changes taking place in the reverse mortgage business. Registration required, fee. More info at: http://www.nrmlaonline.org/

Save this date for FHA Appraiser and Lender Training: September 27-28, 2011 – Chicago, IL. The lender training will include an overview of 203k, 203k Streamline and Energy Efficient Mortgages. In addition we will review recent Mortgagee Letters and discuss general underwriting do’s and don’ts. The appraiser training will cover recent Mortgagee Letters, appraising HUD REO properties, 203k inspections, and defining required repairs vs. cosmetic deficiencies. Location details to be announced. Registration is not yet open. Watch this listserv for more details.

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FHA’s Office of Single Family Asset Management is pleased to announce its new Twitter profile:

Follow us @HudHomeStore to learn about available REO properties. The profile will also feature information about upcoming trainings, resources for homebuyers, and related HUD programs. We already have 92 followers! Click on http://twitter.com/hudhomestore to link directly to our page.

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