I frequenty get asked why Energy Efficient Mortgages are so difficult to do. Here`s the long and short of it… Energy Efficient Mortgages are not commonly used because banks don`t believe they can sell enough of them to bundle and sell on the secondary market as mortgage backed securites. If we had a sustainable mortgage backed security (SMBS) then we would be able to bundle green mortgages to sell on the secondary market – many thought leaders understand that sustainable mortgage backed securites would carry a lower risk because eco property buyers are typically better qualified and their homes are more valuable. Banks are VERY lethargic and RISK AVERSE…which is expected, considering it takes so much time to figure out how to separate your money from your wallet.