Prospect Mortgage & myEnergyLoan Create Energy Efficient Mortgage / Green Mortgage JV

Last week, after more than 9 months in the making, Prospect Mortgage, the nation’s #1 Independent Retail Mortgage Lender and myEnergyLoan, the nation’s #1 green loan brand, have executed a major strategic alliance that enables Prospect Mortgage to serve the rapidly emerging green real estate marketplace.

As the cornerstone of the initiative, Prospect Mortgage will base its green lending offerings around the myEnergyLoan marketing and service platforms which have relentlessly provided the market with much needed quality assurance for the “energy side” of the green loan transaction since 2005. 

Further, as a result of the partnership, Prospect Mortgage becomes the first world-class mortgage lender to make the Energy Efficient Mortgage (EEM) and Energy Improvement Mortgage (EIM) available in all 50 states with dedicated product subject matter experts and unsurpassed quality assurance to benefit the homeowners it serves.  These loans allow you to finance energy efficiency in a way that guarantees you will receive a net tangible financial benefit through reduced operating expenses for your home and they may make you eligible for additional incentives available through public utility companies as well as Federal, State or Local energy efficiency programs.

Rolling out in key markets, the JV with Prospect Mortgage enables the myEnergyLoan platform to advance its market-leading green loan brand as it responds to consumer needs at a critical time in green real estate market development. 

Please contact Jeff Cole at myenergyloan@tampabay.rr.com if you would like to learn how to obtain an EEM, EIM or 203K/EEM/EIM hybrid loan through the Prospect Mortgage/myEnergyLoan JV. 

————-Those Loan Officers who are frustrated with not being able to offer the EEM or EIM loans are encouraged to inquire about any potentially available loan officer positions in their markets————

www.myenergyloan.com

 

EcoBroker-of-the-Month: Mauri Tamborra, Colorado

Presenting myEnergyLoan’s

EcoBroker-of-the-Month: 

The EcoBroker-of-the-Month Award recognizes Real Estate Brokers that have served their market in a distinguished way. They are making a difference in the lives of their clients and their communities. They represent and serve their company and myEnergyLoan™ in a highly professional manner. They nurture and build great relationships with the lending providers in their area. The EcoBroker of the Month has proved time and time again that they care about their clients and the environment. It is an honor and privilege to be chosen as myEnergyLoan™ EcoBroker of the Month. They are recommended by myEnergyLoan Providers in their markets and they work as trusted partners with myEnergyLoan lenders.

September – Colorado Growing up in California gave Mauri an awareness of how important it is to make wise choices about respecting the Earth. She is a big proponent of recycling, planting, and buying GREEN. She enjoys working with buyers and sellers that are informed about ways to build, convert, and maintain GREEN homes. She also educates clients on how to be more Eco-friendly when it comes to home selection. Mauri is an obvious and natural choice as a certified EcoBroker. Mauri brings a wealth of experience and knowledge to every client she meets. For sellers, she offers a complete marketing plan when listing a home. She marries traditional marketing tools with today’s innovative technology. Her clients know they are in good hands with Mauri. As for the buyers, she can navigate every avenue of the home buying process. She listens to her clients, finds homes based on their needs, and can negotiate the best deals. You will want her in your corner when it comes time to buy a home. Mauri Tamborra CDPE, CNE, EcoBroker 720-371-0101 (mobile) 303-750-7070 (office) http://mtamborra.milehighrealestate.com/about-us.cfm Mauri@q.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it Stephen Ponce-Pore Stephen Ponce-Pore is the Energy Programs Manager for the Bank of Colorado. Growing up in Colorado, he learned early about sustainable business and how it can benefit the environment. He is a big supporter of ecological conservation and has figured out how to apply these concepts to the mortgage industry. Working with the Governor’s Energy Office, he developed the Colorado ENERGY STAR Mortgage program. The goal of this program is to provide reduced mortgage rates for homeowners that renovate their homes for energy efficiency and for buyers of new ENERGY STAR Homes. Stephen has taken his passion for the environment and joined it with his expertise of the financial world. It is an unlikely combination but it is one that will benefit not only future generations but the current world we live in. Stephen Ponce-Pore stephen.poncepore@bankofcolorado.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it 4848 Thompson Parkway Johnstown, CO 80534 Phone: (970) 229-5510 Bank of Colorado Mortgage Division Since early last century, Bank of Colorado’s philosophy has been that customer experience banking the way it should be. Meaning, they still believe in personal banking relationships and strong community ties. Bank of Colorado started out as a small, rural, community bank and has grown into a strong organization with large-bank resources and family-run values. Bank of Colorado Mortgage Division is all about the customer. The goal of the mortgage division is to have every client work with an expert to understand the mortgage process and to have confidence in the home purchase decision. Bank of Colorado offers several different mortgage programs that can be tailor made just for you. Bank of Colorado Bank of Colorado Mortgage Corporate Office 4848 Thompson Parkway Johnstown, CO 80534 Phone: (970) 663-2999 www.myenergyloan.com http://www.myenergyloan.com/eco-broker-of-the-month

 

Michigan Company Building Science Energy Services (BSES) Buys into myEnergyLoan to Facilitate Finance of Green Building and Retrofitting

A national network of mortgage lenders, real estate agents and energy contractors, myEnergyLoan provides practical home financing solutions for green home buyers, owners, and investors. Since 2005, it has funded millions of dollars in green loan packages

BSES & myEnergyLoan partner up to offer financing

With the lower rates myEnergyLoan offers, contractors and homeowners have a financing option that can be funded by their energy savings while adding value to the homes,” said Kim Phillipi, BSES partner.

Grand Rapids, MI (PRWEB) July 29, 2010

Building Science Energy Services (BSES) became an investment partner with myEnergyLoan™ on June 25, 2010, purchasing one-third of the company. The partnership will enable BSES to provide home builders and remodelers enhanced financing options for their end-users, homeowners.

“We think the financing piece is critical to contractors in the industry. They can’t rely on tax incentives and rebates to create work for them long-term. With the lower rates myEnergyLoan offers, contractors and homeowners have a financing option that can be funded by their energy savings while adding value to the homes,” said Kim Phillipi, BSES partner.

“By offering the myEnergyLoan finance option, BSES provides even more value to its clients while extending the reach of the valuable programs that myEnergyLoan offers,” added Jeff Cole, CEO, myEnergyLoan.

A national network of mortgage lenders, real estate agents and energy contractors, myEnergyLoan provides practical home financing solutions for green home buyers, owners, and investors. Since 2005, it has funded millions of dollars in green loan packages; borrowers participating in the program have received thousands of dollars in myEnergyLoan efficiency credits. These credits have helped homeowners save money, improve the energy efficiency of their homes and enjoy better health and quality of life.

BSES provides services to state agencies (implementing Home Performance with Energy Star Programs), utility companies and contractors in the green build and retrofit industry. Consulting, training, certification, implementation and facilitation services enable its clients to comply with federal and state programs while delivering real energy savings to home and business owners.

myEnergyLoan™ serves the green building community on a National level through our support for local green businesses and lenders who deliver resources and capital to homeowners for green homes.

For information, visit www.buildingscienceenergyservices.com. BSES is based in Sparta, Michigan, with sister company Building Science Academy, www.buildingscienceacademy.com.

www.myenergyloan.com

 

Green 100 – Green Leaders of Tampa & Beyond

 

I am proud to have been voted one of Tampa’s leading green professional’s.  Talk about your “psychic pay”…” – jeff cole

For those of you who do not regularly read Creative Loaf ing, please note that this free weekly newspaper covers sustainability more thoroughly and more accurately than any other local publication or news outlet in Tampa, FL.  Known as “alternative newsweeklies,” Creative Loafing is a chain of local newspapers in Chicago, Washington, DC, Atlanta, Tampa and Sarasota.  Given our current economic crisis and a couple of HUGE financial mistakes, they have been forced to reorganize their media group; however, I strongly recommend reading them each week for an irreverant, call-it-like-you-see-it journalistic style.  A must read for Republican’s and Democrats alike – even us independents love this paper!!!

Earth Ship Earthship EcoBroker eem energy efficient mortgage Energy Loans Energy Star Energy Star Mortgage green bank green building green lending green loan green loans green mortgage Jeff Cole Jim Tulin natural capital Nova Home Loans social funds socially responsible investment usgbc eem eim green loan www.myenergyloan.com

Earth Ship Earthship EcoBroker eem energy efficient mortgage Energy Loans Energy Star Energy Star Mortgage green bank green building green lending green loan green loans green mortgage Jeff Cole Jim Tulin natural capital Nova Home Loans social funds socially responsible investment usgbc eem eim green loan www.myenergyloan.com

See the full list here:  http://tampa.creativeloafing.com/gyrobase/Content?oid=675601

www.myenergyloan.com

 

Red Light…GREEN LIGHT!!! Jeff Cole of myEnergyLoan LLC awarded EPC/Energy Star Mortgage contract

After much hard work and many stops and starts together due to extremely difficult market  conditions, Energy Programs Consortium and Jeff Cole of myEnergyLoan have at last agreed to work together on the national roll-out of the Energy Star Mortgage program. 

Initially launched in two pilot states (Colorado and Maine), the Energy Star Mortgage program, a government sponsored program, grew to 18 states when myEnergyLoan brought HomeFirst Mortgage Corp. into the ESM program.  There has been demonstrable success with the ESM program and the “green light” was given to EPC to roll it out nationally this summer. 

Mark Wolfe, Executive Director at EPC, Howard Banker, Managing Director at EPC and Dave Carey, former energy finance manager at Fannie Mae, all deserve loads of credit for pulling together a government sponsored green lending program in the midst of the worst mortgage market in history.  It really is unbelievable that EPC has accomplished so much at a time when the market has been flat out tumultuous.  We have been consulting with EPC for many months now and we have witnessed their struggles and, more importantly, their tenacity, not to mention their brilliance.  Mark, Howard and Dave, it is a true pleasure working with you all!

www.myenergyloan.com

www.energystarmortgage.com

Energy Efficient Mortgage, 203K mortgage, EEM, EIM, Energy Star Mortgage

 

If You Gave Me $884,000 How Should I Treat You?

Last year the oil and gas industry had 780 lobbyists who spent nearly $170 million, according to the Center for Responsive Politics.”

If you gave me $884,000…and you had a major problem with an oil rig whose leak qualifies it as THE SINGLE WORST MAN-MADE DISASTER IN HISTORY…and I was President…you would expect me, at the very least, to remember that you gave me $884,000, wouldn’t you?

While the BP oil geyser pumps millions of gallons of oil into the Gulf of Mexico, President Barack Obama and members of Congress may have to answer for the millions in campaign contributions they’ve taken from the oil and gas giant over the years, according to the St. Petersburg Times.  At the very least, they are claiming deniability that the contributions were ever made.  Round and round and round it goes…(see previous blog).

BP and its employees have given more than $3.5 million to federal candidates over the past 20 years, with the largest chunk of their money going to Obama, according to the Center for Responsive Politics.  Donations come from a mix of employees and the company’s political action committees — $2.89 million flowed to campaigns from BP-related PACs and about $638,000 came from individuals.

On top of that, the oil giant has spent millions each year on lobbying — including $15.9 million last year alone — as it has tried to influence energy policy.   During his time in the Senate and while running for president, Obama received a total of $77,051 from the oil giant and is the top recipient of BP PAC and individual money over the past 20 years, according to financial disclosure records.  

An Obama spokesman rejected the notion that the president took big oil money.  

Once Again…today is opposite day…intent on spinning, each party has effectively cast doubt on the other, thereby perpetuating that whole Victim/Villain thing, creating even more distance and polarity among our population which typically believes it should take one side or the other; just like conservative media and liberal media tells them to – truth is both sides are co-opting and subjugating Joe the Plumber, Sally the Salon owner and Larry the Lawyer…the everyman is taking it between the eyes and will continue to until he takes self responsibility and loses tolerance for being led down the wrong road time and time again.  We are looking for friends in all the wrong places, folks…” – jeff cole

President Obama didn’t accept a dime from corporate PACs or federal lobbyists during his presidential campaign,” spokesman Ben LaBolt said. “He raised $750 million from nearly four million Americans. And since he became president, he rolled back tax breaks and giveaways for the oil and gas industry, spearheaded a G20 agreement to phase out fossil fuel subsidies, and made the largest investment in American history in clean energy incentives.”- Ruger Forum

Here is a link to the St. Petersburg Times article which appeared in today’s issue.  The St. Pete Times is known for it’s investigative journalism chops and, in my opinion, should be trusted over an Obama spokesperson. 

http://www.tampabay.com/news/business/after-oil-disasters-there-is-outrage-then-delay/1093377

Note also that the Florida Gulf Coast emergency center in charge of the oil rig disaster is located in St. Petersburg, Florida…right down the road from the St. Pete Times, in fact.

 

myEnergyLoan Provider Update

BELOW IS A REFERENCE LIST TO LEARN MORE ABOUT MYENERGYLOAN. 

• Bank of Colorado Signs myEnergyLoan Provider Contract Creating …  

Apr 25, 2010 … Bank of Colorado Signs myEnergyLoan Provider Contract Creating Model Public/Private Energy Finance Program. Posted by myenergyloan under AHA …
myenergyloan.wordpress.com/…/bank-of-colorado-executes-myenergyloan-provider-agreement/

• First Ever Earthship myEnergyLoan – Nova Home Loans – earthship.com  

This is a major accomplishment that he says he never could have done if it weren’t for myEnergyLoan and his status as a myEnergyLoan provider. …
earthship.org/…/first-ever-earthship-myenergyloan-nova-home-loans

• myEnergy Loan Daniel Island Charleston South Carolina green …  

myEnergyLoan, green mortgage program, green lending, energy efficient Daniel Island Mortgage is the Nations First myEnergyLoan Local Provider …
www.danielislandmortgage.com/green-mel.php

• M Xpo Presentation  

• See us on TV! | Renewal Design-Build  

When K.C. Boyce and Michelle Frost decided to update their vintage home they … (HFM), the primary provider of the myEnergyLoan green builder discount …
www.renewaldesignbuild.com/discovery_financing.php

• Jeff Cole – LinkedIn  

Tampa/St. Petersburg, Florida Area - Owner, myEnergyLoan:  myEnergyLoan is a nationwide network of mortgage and financial services firms that work … Florida CRE; myEnergyLoan Local Provider Group; Inergy Solutions …
www.linkedin.com/in/myenergyloa

• Waterstone Mortgage Corp. – Carolinas : In the News  

By becoming the NATIONS FIRST myEnergyLoan local provider Daniel Island Mortgage has clearly positioned itself to be the leading expert in the growing SC …
www.waterstonemortgagesc.com/PageContent.aspx?PageID=58

• Sustain Word » Green Business  

As you likely already know, I am the founding principal of myEnergyLoan … you can find relevant information regarding service provider and contractors. …
www.sustainword.com/category/green-business/page/2/

• Green Loans  

File Format: PDF/Adobe Acrobat
Corp has the distinction of being the only myEnergyLoan provider in the state of New York. We are dedicated to providing aggressive closing cost discounts …
www.shadowoodmortgage.com/index2.php?option=com_content…

• HobNob Charleston SC | Charleston SC Green Initiative: Hunley …

Gary Harwyn, President of Daniel Island Mortgage, the sole provider of myEnergyLoan in the Charleston area, says, “Once buyers hear about the mortgage …www.hobnobcharleston.com/…/386-hunhunley-waters-leads-revitalization-efforts

• Ethical Homes Affiliate: EarthCraft House and EarthCraft House …  

Ethical Homes is part of the myEnergyLoan team–the largest provider of green mortgage · Ethical Homes’ agents are GRI certified to ensure that the service …ethicalhomes.com/…/ethical-homes-affiliate-earthcraft-house-earthcraft-house-virginia

• GREEN ENERGY  

Jun 16, 2009 … Last week myEnergyLoan signed up our 6th local myEnergyLoan provider, bringing our current number of states with local myEnergyLoan …
greenenergy.70540.free-press-release.com/index-16.html

• Waterstone Mortgage Corp. – Carolinas : Green Programs  

Charleston South Carolina green mortgages, energy efficient mortgages, sustainable building loans, myEnergyLoan provider.
www.waterstonemortgagesc.com/PageContent.aspx?PageID=59

• Shadowood Mortgage Corp. | Green Loans  

Shadowood Mortgage Corp has the distinction of being the only myEnergyLoan provider in the state of New York. We are dedicated to providing aggressive …
www.shadowoodmortgage.com/Land-Loans.html

• Island Business Offering “Green” Mortgages | My Island Town …  

  Daniel Island Mortgage has become the nation’s first local provider of myEnergyLoan, the nation’s top green mortgage program. myEnergyLoan provides a simple …
  myislandtown.com/index.php/island-business-offering…/03/?…

• Wisconsin mortgage company enters market through Daniel Island …  

  May 7, 2010 … Lists & Leads · Update List Info · E-mail Newsletters · Job Market … capitalize on being the nation’s first myEnergyLoan local provider. …
  www.charlestonbusiness.com/…/34133-wisconsin-mortgage-company-enters-market-through-daniel-island-brokerage
• myEnergyLoan Announces Local Market Energy Efficient Mortgage Platform. Last week myEnergyLoan signed up our 6th local myEnergyLoan provider, bringing our …
  energyblenddrink.108069.free-press-release.com/index-40.html

• Matthew Thorne Matthew’s career the mortgage industry spans 13 …  

In June of 2009, Jim was named the exclusive Arizona and New Mexico provider for myEnergyloan. The myEnergyloan program provides incentives to own green …
www.jonvolpe.com/lo_viewbio.asp?lo_user=Jim.Tulin

• Nova Home Loans – The Vetrano Group/Nova Home Loans Tip Of The …  

Congratulations to Jim Tulin of Nova Home Loans, our Arizona, New Mexico and Texas local myEnergyLoan provider. Jim is truly a shining star in our network …
www.wtcmty.com/…/the-vetrano-groupnova-home-loans-tip-of-the-week-for-march-01-2010.html

• GenGreen Life – The largest Local Green Business Directory in …  

myEnergyLoan is the leading green mortgage incentive program which was specifically created as … and housing counseling provider in Nashville, Tennessee. …
www.gengreenlife.com/search.php?q=mortgage

• CRESPA Update confirms Virginia buyers’ rights to choose …  

Jun 23, 2009 … RE: CRESPA UPDATE Does the buyer in Virginia have the right to change …. of the myEnergyLoan team–the largest provider of green mortgage …
ethicalhomes.com/…/crespa-update-confirms-virginia-buyers-rights-choose-settlement-agent

• Sustain Word  

The are the local provider for EarthCraft House, Home Performance with Energy …. As you likely already know, I am the founding principal of myEnergyLoan …
www.sustainword.com/page/11/

• Green Real Estate 2008 and EcoBroker® Conference: Exhibitor and …  

myEnergyLoan is laser focused on bringing meaningful and sustainable capital to …. and contact information that you can change and update live from the internet. … Village Green is a renewable energy and carbon offset provider who …
www.ecobroker.com/userdef/conference/exhibitors.htm

• Lowcountry | SC for Green  

I know that is a lot about Daniel Island Mortgage here, but that’s the power of the myEnergyLoan brand at work for DIM.

• usgbc – Latest News (Press Releases) By Tag  

Oct 14, 2008 … The Sustainable Education Provider Will Reserve Complimentary Course …. Better Energy Efficient Mortgage – myEnergyLoan’s Successful Local …
www.prlog.org/tag/usgbc/

• Green.sc Blog  

  Daniel Island Mortage is the nations first local provider of myEnergyLoan. myEnergyLoan provides discounted mortage rates to customers based on how “green” …
  www.green.sc/blog

• Daniel Island Mortgage – Company Profile on LinkedIn  

  We are also the Nation’s first myenergyloan, local affiliate and the leading green mortgage provider in South Carolina. The myenergyloan incentive program …
  www.linkedin.com/companies/daniel-island-mortgage
• INTERPRETIVE GUIDELINE  
• Dec 9, 2009 … Every day update this world Seo Blog. It’s a System to posting. …. who selected myEnergyLoan as their finance partner for this project and …
  interpretiveguideline.563346.free-press-release.com/

• RESNET – RESBlog – Archives  

 

Opposite Day: Every Day in the USA!

photo credit: 4tnz

TODAY IS OPPOSITE DAY…JUST LIKE EVERY DAY IN THE US OF A

What we were told…the opposite was true…

1. Wall Street is to blame for our recession
2. We are recovering from the recession
3. The Irag War is not about Oil
4. The Cold War is over
5. Monsanto does more good than evil
6. You can trust Bush, Cheney, Ashcroft, et al
7. You can trust Clinton, Gore, Obama, et al
8. The cost of gas is what you pay at the pump
9. We have enough oil to last forever, we just have to get to it
10. I did not have sexual relations with that woman
11. Read my lips – no new taxes
12. Solar Power is unattainable and too expensive
13. We need big government spending during a recession
14. The Check is in the Mail  - Larry DiVincenzi, SmartBrand
15. What is needed is more government control - James Williamson
16. -
17. -
18. -
19. -
20. -
21. -
22. I am not sick and tired of being sick and tired…

….please…feel free to contribute to this list by commenting.  Once we have 100 opposites, i will begin writing the book and all contributors will get credit and a free copy. 

www.myenergyloan.com

 

LINKEDIN Unofficial White House Group

New White House UNOFFICIAL Group

http://www.linkedin.com/groups?gid=3025434&trk=myg_ugrp_ovr

I have started a new group for us…I joined the OFFICIAL White House Group last week and have found the group to be very engaged Americans who joined the group with the hopes of being heard and engaged by the White House.  I have polled this group several times and even made independent pushes to this group’s owner and have gotten no response whatsoever.  Along with about 300 other people in this OFFICIAL White House group, we have drawn the conclusion that we are all simply talking to ourselves in the official group, noting that it must be incredibly difficult for the White House to manage the level of intensity prevelant in some of the discussions.  Frankly, our discussions have been really, really good but we keep waiting for some sort of response from the White House…many members have told me that they have been members of the group for awhile and have also not seen any responses from the White House.

…since that’s case, we created the new Unofficial White House Group on LinkedIN…because, afterall…the White House is OUR house…and since we are only talking to ourselves in the official group anyway, we should do it without the veil and pretense that comes with airing our heartfelt opinions to a disengaged group manager.   We want our administration to hear us – we are hard working Americans from all walks of life and rather than being discouraged and torn apart, we can come together here and learn from one another and bring our work back to our communities where it can do the most good for our country.

I believe in America. I believe in you and I believe in US pulling together as we historically have done for centuries.  Please join our Unofficial White House Group and get engaged with other Americans who are trying their best to be strong and make a positive difference.

http://www.linkedin.com/groups?gid=3025434&trk=myg_ugrp_ovr

www.myenergyloan.com

 

The Problem w/ Green Loans

Most bankers think that a green loan is a paperless loan…one where you close the loan using 100% electronic means.  That’s a step in the right direction; but in our world a green loan is a loan for energy efficient improvements…a loan that considers the positive impact made by energy efficient improvements AND rewards the client(s) in a uniform way.  A solid green loan would also carry a certificate of assurance that the lender authentically contributed the incentive at closing.

That’s what we do here at myEnergyLoan.

www.myenergyloan.com

www.myenergyloan.wordpress.com

Green Lending Leaders since 2005.