### Question
What does energy efficient mortgage mean?


### Answer
**Energy efficient mortgage** has the following meaning in *12 U.S.C. § 1701z*:

> a mortgage on a residential building that recognizes the energy savings of a home that has cost-effective energy saving construction or improvements (including solar water heaters, solar-assisted air conditioners and ventilators, super-insulation, and insulating glass and film) and that has the effect of not disqualifying a borrower who, but for the expenditures on energy saving construction or improvements, would otherwise have qualified for a base loan

#### Citation:
  - *12 U.S.C. § 1701z*
  - Heading: **CHAPTER 13-NATIONAL HOUSING**

