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HERS Ratings

Energy Mortgage


Energy Improvement Mortgage - Finances the energy upgrades of an existing home in the mortgage loan using monthly energy savings.

Energy Efficient Mortgage - Uses the energy savings from a new energy efficient home to increase the home buying power of consumers and capitalizes the energy savings in the appraisal.

Home energy ratings provide a standard measurement of a home's energy efficiency. The home energy rater reviews the home to identify its energy characteristics, such as insulation levels, window efficiency, wall-to-window ratios, the heating and cooling system efficiency, the solar orientation of the home, and the water heating system. Performance testing, such as a blower door test for air leakage and duct leakage, is usually part of the rating.

  1. Discover how your home is performing.

  2. Pinpoint cost-effective improvements.

  1. Improve resale value.

  2. Reduce utility bills.

Energy Star

for New Homes

We are proud to provide rating services to qualify new homes for the ENERGY STAR® label. ENERGY STAR qualified new homes are substantially more energy efficient than homes built to the minimum code requirements. Even in states with more rigorous energy codes, the U.S. EPA ensures that ENERGY STAR remains the symbol for truly energy-efficient performance. These homes are good for businesses, consumers, and the environment.

Learn more about ENERGY STAR qualified new homes at:


Utility Data

Air Leakage


Air infiltration is an important factor in household efficiency, comfort and health.  Too much air leakage will add to your energy costs and reduce the comfort level.  Too little can raise indoor pollution levels.  The home’s air leakage will be tested with a digital manometer, computer and blower door according to a standardized procedure.

HVAC ducts are often poorly insulated and sealed.  Duct systems, if accessible, are sealed and tested for total leakage and leakage to unconditioned space.

Your utility usage information may also be collected and used in the model.  This information and local climate history are used by the analysis to estimate how much energy various components of your home are using.



Type, capacity and condition of heating and cooling systems are recorded.  These data are used in the energy consumption modeling of the home.  The cost savings of different or higher efficiency systems can be estimated.

Components of a HERS® Model & Rating.

Building Construction Details

Detailed data about your home’s size, shape, insulation, construction type, windows, orientation, shading and more are collected.  These data are used to create a “virtual home” in a computer model.  The potential performance of your home is compared to a computer generated reference model based on your home’s data (dare we call it your home’s avatar?)



This is the heart of the HERS process.  A computer generated virtual copy of your home is compared to a reference copy that is similar but built to defined standards.  Dozens of available reports detail energy usage, code compliance, efficiency ratings and more.  There are specialized reports for energy related mortgage programs, and Energy Star compliance for new homes.  Improvements analysis reports show you how much various changes to your home will increase or reduce your energy costs and what the payback period should be. 

Cost Savings


Computer modeling with Architectural Energy Corporation’s REM/Rate™ predicts efficacy of improvements, cost savings and return on investment.  You don’t need to guess if those new windows will be worth the money--know the value before you invest!

Home Energy Rating