Debt is not wealth as many are now realizing.

An appropriate reaction.

http://www.doctorhousingbubble.com/no-country-for-old-jobs-10-charts-showing-the-fragile-recovery-home-sales-buying-versus-renting-unemployment-and-real-economy-data/

You have got go to the link above in order to get smart and endure the horror. But first, you must allow yourself to be horrifed. Happy Halloween!

 

Green for Green Article: Green Banking E-Magazine

BankNews going Green

GREEN BANKING emagazine
The information source for banks improving the environment through technology, operations and services – sponsored by BankNews Media.

As a monthly columnist for the new Green Banking E-magazine, I am thrilled to contribute my first of 15 editorial pieces in the Green for Green Column. This first piece is the featured article and it discusses the nuances of the green consumer.

http://www.greenbankingemagazine.com/

www.myenergyloan.com
www.myenergyloan.wordpress.com
www.greenloanblog.com

 

myEnergyLoan Sponsors MXPO 2009 Mortgage Virtual Tradeshow to Promote Green Residential Lending

virtua-mortgage-conference

Thu, 17 Sep 2009 14:04:23 -0700 PDT
by Aria Munro

AVENTURA, Fla. — Green residential mortgage lending network myEnergyLoan founder and president Jeff Cole will present “Green Lending – Financing the Shift” as a sponsor of mXpo.net 2009 Virtual Mortgage Tradeshow (mXpo.net) on October 8, 2009. mXpo.net is the first mortgage industry-sponsored virtual tradeshow, conference and educational content event being conducted October 7 – 8, just days before the Mortgage Bankers Association (MBA) annual conference.

Launched in 2005, myEnergyLoan is a network of lenders and mortgage brokers that come together as a network of fair financial service providers to get green done, today. myEnergyLoan provides green real estate buyers and investors benefits including: funds to make energy efficient upgrades; an efficiency credit to reduce closing costs; the opportunity to lower borrower’s long term interest rate; reduced monthly utility bills; a myEnergyLoan Efficiency Credit certificate validation; and a trained network of lenders.

“The mXpo.net virtual tradeshow value proposition is absolutely congruent with the mission of myEnergyLoan, which is considered ‘Deep Green’ by its clients and investors,” said myEnergyLoan president Jeff Cole. “The virtual tradeshow option is the ultimate example of location efficiency and sponsorship of this event provides us with the opportunity to practically support our core values of sustainable enterprise.”

“Not only does a virtual environment save gas, expense and the excruciating hassle of travel, but its web-based platform ensures that the format and content lingers, extending the value of participation well beyond the two-day event,” he added

mXpo.net offers mortgage professionals from wholesale and retail originators and loan officers, loan processors and back office personnel, executives and owners, to mortgage technology and services vendors the opportunity to congregate via an Internet portal, eliminating costly travel and lodging expenses, while ensuring a concentrated and productive educational experience.

“myEnergyLoan fits the profile of an ideal early adopter of the mXpo.net virtual tradeshow environment because of its focus on financing low-impact, energy-conscious residential development and improvement,” said mXpo.net 2009 event director Camilla Dominguez. “Tomorrow’s mortgage industry leaders are tuned in to new, more efficient channels for education, networking and career development, and are sensitive to ‘green initiatives,’ as demonstrated by myEnergyLoan.”

mXpo.net 2009 is being held during the mortgage industry’s busiest tradeshow season as an alternative for mortgage professionals making decisions about the best use of travel and education budgets. Through September 15, mXpo.net 2009 attendees pay only $99 for full-access to the two-day event.

About mXpo

mXpo.net is an industry-sponsored virtual tradeshow, conference and educational content platform for mortgage professionals including wholesale and retail originators and loan officers, loan processors and back office personnel, executives and owners, and mortgage technology and services vendors.

For information about attending, sponsoring, or exhibiting at mXpo.net 2009 Virtual Tradeshow, contact us at (877) 257.2301.

For information about myEnergyLoan and our green lending market expertise, please contact Jeff Cole, CEO, myEnergyLoan LLC, at 404-771-2106

www.myenergyloan.com

www.greenloanblog.greenpress.com

 

Energy Efficient Mortgages (EEM) on the Rise

Energy Efficient Mortgage programs are popping up all over the place and with good reason.  There are now more myEnergyLoan providers than ever; with 31 states currently being served by either a local myEnergyLoan provider or a National myEnergyLoan provider.

Green loans are loans that take into consideration the impact made by increased energy efficiency.  myEnergyLoan helps them do that.  And look at the impact that myEnergyLoan providers make in the markets they serve:

FOUR IMPORTANT IMPACT ZONES:

Greater buying power for the average homeowner.

Positive impact on health and lower associated health expenses.

Reduced reliance on foriegn oil.

Positive impact on our national security.

It’s not a stretch to say that all of these impacts are being made each and every time you increase the efficiency of your building.  It’s sort of a “no-brainer” when you consider the overwhelming evidence that green building is the way to go.  Why would you even consider not following through on the decision to improve your personal energy consumption now that you know just some of the positive impacts you can make when you do so?

Fossil-fuel market capitalization: That’s why.  There is so much resistance to you being able to execute a solid decision of investing in energy efficiency and renewable energy usage.  Check it out and you will see that the 4 US megabanks are HEAVILY invested in fossil fuel markets and to such a degree that they aren’t likely to dismiss this as their reality.  They don’t know what to do – but what they should do is simple - they should shift their resources and apply their fossil fuel energy investments to their highest and best use:  Financing the shift to a Renewable Energy Economy. 

Why did we bail out all those banks and insurance companies again?  Should we now expect them to serve our interests when they simply have not yet figured out how to separate us from our money?  Or should we wait until they figure out how to spin it so we think it’s a grand idea that they came up with?  Certainly, the 4 US megabanks have said they have energy efficient mortgage programs, but they aren’t the ones supporting the proliferation of green buildings in local markets.   Just ask ANYBODY who has financed a green building – ever! 

No, those somewhat silent heroes who are supporting green building investment are either currently myEnergyLoan providers or soon will be.  By virtue of tying into the MEL program a lender or mortgage broker can become Energy Star Mortgage Partners and Fair Mortgage Collaborative approved lenders.  The MEL provider gets the real stamp(s) of approval.  myEnergyLoan providers have banded together to finance your green buildings.  they have adopted a fair standard to save you money.  They all agree to not write high risk loans.  They all agree that they can afford to rebate money to you if you increase the energy efficiency in your home of commercial building.  They allow myEnergyLoan LLC to certify that they do so – voluntarily – according to the MEL Efficiency Credit scale.  It works virtually every time, with virtually any loan product.  All banks can do this too, even the 4 megabanks, and we can help them.

We need more myEnergyLoan providers and we currently NEED three providers in ILLINOIS, NEW YORK, MICHIGAN, NORTH CAROLINA, FLORIDA and OHIO. Call Jeff Cole and increase your energy efficient mortgage business or save money with an Energy Efficient Mortgage today with myEnergyLoan.  check out www.myenergyloan.com, www.greenloanblog.com, www.myenergyloan.wordpress.com.

 

myEnergyLoan in the Wall Street Journal

Green for Green

 

We are delighted to have been a major part of Anna Prior’s 8/24/2009 personal property article in the Wall Street Journal entitled “Green for Green.”  Anna sourced us extensively and we applaud yesterday’s piece as it provides a solid primer for the green real estate finance programs that exist today.  While far from comprehensive, this piece is a must read for all parties interested in Energy Efficient Mortgage and Green Real Estate Investment. 

myEnergyLoan is discussed in the Cutting Your Rate section of the article and www.myenergyloan.com is clearly the most innovative and authentic incentive program listed in the article.  As our readers know, www.myenergyloan.com is the leading website and clearinghouse for the EEM, the EIM and green real estate financing in general.

http://online.wsj.com/article/SB10001424052970204271104574290672502554440.html

 

Kirk Fox: August 2009 EcoBroker-of-the-Month

EcoBroker Kirk Fox

 

 

 

Kirk is a licensed Illinois Realtor®, working primarily with clients looking for “green” homes in Chicago. His background as a Lawyer and a Mortgage Broker has served him well in his real estate career. Kirk is the first certified Ecobroker agent in Chicago and he has been featured in Realtor Magazine, WGN Television, Chicago Tribune, Chicago Magazine and The Wall Street Journal discussing what makes a a home sustainable and the marketing of “green” homes.  He is currently working with Helios Realty and Development helping buyers in Chicago find true green properties.

He also runs a local independent record label Big Blast Records, created the popular monthly Green Room Sessions and was the music director for the Chicago Green Festival.

Kirk Fox
Certified EcoBroker Realtor
Helios Green Realty
Helios Real Living
773-972-1963
www.heliosgreenrealty.com
www.greenhomesforchicago.com
www.2800lincoln.com

 

USGBC World Headquarters: Breathtaking New Building

We salute the the USGBC. This organizition is making such a tremendous difference to the green building market that it is possible to say green building would not be what it is without the USGBC. We salute you, USGBC, and we thank you for the positive and progessive leadership in this critical environmental space.

http://www.greenpacks.org/2009/07/22/usgbc-seeks-leed-platinum-certification-for-its-new-headquarters/

www.myenergyloan.com

 

Al Gore, You Got It Wrong (your solution, that is, according to one IGP member)

 

Below is a link to the newest article by a Member of the Institute of Green Professionals, Bjorn Lomborg.

This article has just been published in Esquire Magazine 

Mr. Gore, Your Solution to Global Warming is Wrong… here is the link

http://www.esquire.com/features/new-solutions-to-global-warming-0809

 

or EcoRate: www.ecorate.com

Which of these five things do you think about most when considering your home ownership or real estate investment?

Check it out…I see a ton of potential here…

Respond at jcole@myenergyloan.com or simply post a comment to this blog!

www.myenergyloan.com

 

Environmental Capital: WSJ Blogs

Wall Street Journal Blogs

Environmental Capital

Daily analysis of the business of the environment by The Wall Street Journal.

• July 1, 2009, 8:15 AM ET

Green Buildings Get Boost in Cap-and-Trade Bill

http://blogs.wsj.com/environmentalcapital/2009/07/01/green-buildings-get-boost-in-cap-and-trade-bill/

www.myenergyloan.com

jcole@myenergyloan.com