Shopping for an existing home?

Get an energy audit and a list of energy improvements that will save you more money on your energy bills than you will add to your mortgage payment. Getting a VA or an FHA insured loan? Then DEFINITELY roll the improvements into the mortgage. If you qualify for the base loan, then no additional down payment or second appraisal is required, but don’t wait until after closing. It will be too late. It must be done at closing.