Why So Cold? Welcome. James Welch Mitchell CEO, Renewablue. Copyright 2015, Renewablue All rights reserved 3
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1 Copyright 2015, Renewablue All rights reserved 3 Why So Cold? Welcome James Welch Mitchell CEO, Renewablue Copyright 2015, Renewablue All rights reserved 4
2 Copyright 2015, Renewablue All rights reserved 5 Mission Possible Lower Energy & Water Costs Increased Comfort Improved Health at Home Lower Carbon Footprint Add to Your Home s Value Low Impact Living, Simply WHY Copyright 2015, Renewablue All rights reserved 6 Every Second America Wastes $4,122 in energy Every Minute $247,320 Every Hour $14,839,200 Copyright 2015, Renewablue All rights reserved 7 Why HERE? Why NOW? Copyright 2015, Renewablue All rights reserved 8
3 Copyright 2015, Renewablue All rights reserved 9 Total Cost of Monthly Ownership PITI - (Principle, Interest, Taxes, Insurance) + UTILITIES = Total Cost If you re going to be spending the same amount of money, anyways, would you rather invest that $60 a month in your home, or give it to Xcel? Copyright 2015, Renewablue All rights reserved 10 Savings are Simply Copyright 2015, Renewablue All rights reserved 11 Quality of Life Copyright 2015, Renewablue All rights reserved 12
4 Copyright 2015, Renewablue All rights reserved Community Investment 13 We Owe it to Future Generations Copyright 2015, Renewablue All rights reserved 14 WHAT Copyright 2015, Renewablue All rights reserved 15 What to Consider About your (next) Home - What is your purpose for owning/buying that home - How long do you care to live there - How do I see my life in this home - What would make me enjoy this home Copyright 2015, Renewablue All rights reserved 16
5 Copyright 2015, Renewablue All rights reserved 17 What does an energy audit really do? Copyright 2015, Renewablue All rights reserved 18 Copyright 2015, Renewablue All rights reserved 19 HERS Score Copyright 2015, Renewablue All rights reserved 20
6 Copyright 2015, Renewablue All rights reserved 21 Your home currently is leaking at 6.0 ACH50. That is 100% more than code. Copyright 2015, Renewablue All rights reserved 22 Copyright 2015, Renewablue All rights reserved 23 Copyright 2015, Renewablue All rights reserved 24
7 Copyright 2015, Renewablue All rights reserved 25 HOW Simple Process 1. Set your goals. - (ROI period, save money per month, go big) 2. Choose a payment option (cash/financing) 3. Evaluate your home 4. Contact Contractor/Bids 5. See work through 6. Provide documentation for proof of value added Copyright 2015, Renewablue All rights reserved 26 Copyright 2015, Renewablue All rights reserved 27 Denver Energy Challenge How To Get Started or at Copyright 2015, Renewablue All rights reserved 28
8 Copyright 2015, Renewablue All rights reserved 29 Financing Options for Older Homes Efficiency Upgrades FHA Energy Efficient Mortgage VA Energy Efficient Mortgage FtC Util Home Efficiency Loan Program Renovation Loans (i.e Homestyle & 203k) Home Equity Line of Credit Cash Out Refi $50/mo per $10k borrowed 85/90 LTV for cash out There are closing costs (2% loan amount) Jason Peifer Copyright 2015, Renewablue All rights reserved 30 Elevations CU Terms $25 - membership fee No loan initiation fee - No hidden fees $500 min - No max (but is based off DTI) 10yr $10k = $ % - $10k = $ % - $10k = $182k 2.75% - $10K = $290k Copyright 2015, Renewablue All rights reserved 31 Elevations Credit Union Approved home energy efficiency projects include: Insulation and Air Sealing EnergyStar Appliances Geothermal** Space Heating and Cooling Water Heating Windows, Doors and Skylights Rooftop Solar Photovoltaic** Solar Gardens** Solar Hot Water Copyright 2015, Renewablue All rights reserved 32
9 Copyright 2015, Renewablue All rights reserved 33 Contact Info Candice Mastay ext1333 candice.mastay@elevationscu.com Copyright 2015, Renewablue All rights reserved 34 HELOC Interest rate 10K = $36/mo interest only 5 Yr Lock 30 Year Repay - floating after year 5 Copyright 2015, Renewablue All rights reserved 35 DEC FAQ s Rebates are NOT offered through this program. o Advisors will locate and help par:cipants apply for rebates through Xcel, Denver Water, etc. Energy audits are NOT included as part of the program. If residents would like a comprehensive audit, we can schedule one for them through Xcel for approx. $180. Energy advisors will then help pardcipants review the audit report and prioridze measures. Who can participate? Single- family, owner occupied residents/renters/muld- family properdes within the City & County of Denver. Low income/income qualified If a resident qualifies for free or subsided services energy advisors will connect them to available resources. This program does not provide any free services outside of energy advising. Copyright 2015, Renewablue All rights reserved 36
10 Copyright 2015, Renewablue All rights reserved 37 Double, Even Triple-Dipped Incentives and Rebates Colorado Energy Office Mortgage Incentive Program: Typical Purchase Mortgage $200,000 Payment $926 Energy Bill $180 Total Expense $1,106 Renewablue Purchase Mortgage $206,000 Payment $954 Energy Bill $144 Total Expense $1,098 $8 SAVINGS/MO Copyright 2015, Renewablue All rights reserved 38 Copyright 2015, Renewablue All rights reserved 39
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