CAW "Green Homeowners United" Application

"Green Homeowners United" Application

We believe that we must act now to ensure this crisis remakes our economy to be better for planet and people. Right now financial institutions are getting access to extremely low rates from federal actions to shore up the economy, but that doesn’t trickle down to regular people on its own.
We believe that banks and credit unions need to spend this money helping fight climate change while making life better for other folks. And they can; we have convinced multiple banks to invest in green home upgrades, which climate experts say is the most powerful way to cut carbon emissions. Now, a new social venture has been launched we call "Green Homeowners United" to help identify how we can help people immediately save money cutting carbon emissions at home. Through this green home refinance program we've convinced banks to offer, every $1 a bank invests means over $1 in lower utility bills. You can do the right thing by the planet, save money and be an example for others to follow.
New research shows us that over 190,000 Wisconsinites could immediately benefit from this program and cut emissions. Tell us more about your home and we'll crunch the numbers to see if this program can both save money and cut carbon emissions. Help be a green homeowner: help make it easier for everyone to cut their home's carbon emissions!
What financial institution(s) do you rely on primarily?
Do you have a mortgage currently?

Yes, my home has a mortgage on itNo, I have a home but it does not have a mortgage anymoreNo I am a renterActually, I am looking to buy a new home within the next 6 monthsI live in a condoOther
Good news! There's a good chance you could participate in our green homes upgrade program!

How it would work is a bank would take over your current mortgage at a lower interest rate (if possible), and add in more specifically earmarked for energy upgrades that cut your utility bills! Tell us more about yourself below and we'll figure that out together
Good news! There's a good chance you could participate in our green homes upgrade program!

How it would work is a bank would provide a loan to pay for energy upgrades that cut your utility bills by more than what it costs to repay the loan! In effect, you're "moving" who you pay, away from utilities and partially to a bank, keeping the difference. If you are ok with that and want to learn more, tell us more about you below
Good news! There's a good chance you could participate in our green homes upgrade program!

What will happen is if you are interested, we won't ask more questions now but would set up a phone call to go over how this program works and how you would include it when you purchase a home. Let us know if you'd like to hear more and we'll connect by phone!
Unfortunately, renters & those in condos are not able to do this program (we know it's unfair, we're working on that!)

What you can do is send this form to your landlord, or fill it out when you are looking to purchase a home.
Would you like to answer a few questions now to see if the work we've done to get a number of banks to offer a Green Homes mortgage product could save you money on your mortgage & utility bills AND cut your home's carbon emissions?

Yes, I'll answer a few questions nowNo I am just signing this in solidarity with the cause, I am not interested at this time. I can help encourage others to sign up while they can!I am interested but I don't have the time right now, I'd like to come back and answer more questions another time
Are you interested in seeing if you can turn your home into a "Green Home" when it is time for you to buy? If yes you'll be redirected to a page to schedule a phone call to learn how to integrate into a mortgage approval process!

Yes I want to learn how to turn my next home into a "green home"Not at this time
Name*

First NameLast Name
Address*

Street Address

Street Address Line 2

Address, street, city, stateState / Province

Postal / Zip Code
Email*
example@example.com
Phone Number*

Area CodePhone Number
What is your home's current interest rate?*
What term did you have on the mortgage? (ex: 15 years, 30 years, etc)*
What year did you most recently get this mortgage (whether a purchase or a refinance)?*
How much was the most recent mortgage amount for when you got it? (either purchase or most recent refinance?) This helps us identify what you could possible save!*
How many people live in the home above the age of 14?*
How many stories above ground is your home?*
Would you be interested in seeing if your home could have solar panels added from our program?*

Yes, I'd like to learn if solar panels would be an option for usNo, I know I can't have them or I already have themI am not sure at this timeOther
Approximately how much is your average monthly ELECTRIC bill? (Note, electric only, NOT electric & gas combined)*
This question is for determining solar panel system size. If you aren't interested in learning about solar panels, choose "NA";. To find our your average month's electric bill, either look at your online account, call the utility's customer service line and ask for a 12 month estimate, or look at some recent utility bills and estimate what average would be. Remember, look only at the electric usage, not electric and gas
What is your full address that would have the solar panels on them? (We will look through a satellite image at the property)*

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Where do you get your water/sewer from?*
Some upgrades save on the water bill - such as new shower heads - but many Wisconsinites rely on well water and do not pay water or sewer utility bills. While energy may still be used to pump water out of a well, we will focus on water upgrades only if they also save on your water heating bills if you are on well water
What utility company provides your electric service?*

WE EnergiesAlliant EnergyWPSXcelMadison Gas & ElectricOther
What do you primarily use to heat your water?*
Most Wisconsin homes use natural gas to heat water, but about one-third of Wisconsin households have propane or electric water heaters. The answer to which can show us different savings opportunities to reduce water heating costs.
What is the name of your electric utility?*
What do you primarily use to heat your home?*
The type of heating fuel you use helps us identify how much you can cut your carbon emissions, and which fuel bills we can help reduce.
Do you have any outstanding home equity loans / home equity lines of credit / 2nd mortgage on the property?*
Smart Thermostat: The Dept of Energy suggests it can save ~$86/year in the average Wisconsin home. Would you like us to include this when we run the math?*
The exact annual savings of a smart thermostat will depend on the size of the home. What is the approximate square footage of your home?
Example: 1,600 sq ft, or NA
Does your heating system use duct-work (metal heating ducts) to force air throughout the home? And if so, do they run through rooms generally colder than the rest of the home?*
Forced air ductwork can find itself going through areas that are colder than the rest of the home: such as basements, attics, crawlspaces, outside or a garage. A fair amount of energy can be lost through unsealed and/or uninsulated heating ducts. Heat can leech into rooms it isn't intended to go to, and your furnace and/or central air system can expend more energy to blow air to 1st, 2nd or 3rd floors if there are numerous small leaks in the ductwork.
Does your heating system use boiler pipes that run through your basement, attic or crawlspace? And if so, do they run through rooms generally colder than the rest of the home? Are they covered in insulation?*
Boiler pipes can find themselves going through areas that are colder than the rest of the home: such as basements, attics, crawlspaces, outside or a garage. A fair amount of energy can be lost through uninsulated boiler pipes. Heat can leech into rooms it isn't intended to go to, causing you to spend more to heat the rooms you intend to heat.
Attics: According to the Department of Energy, 9 out of 10 attics are under-insulated, with attic insulation in our state recommended to be at least 15 inches thick. Wisconsin utilities also provide rebates to air seal & insulate your attic. Which of the following describe your home?*
Please tell us a bit more about your attic size, is it about the same square footage as the first floor? Less? If you can, please give us an idea of the floor space in square feet.*
You can either type a description, write the square footage, or say you are not sure at this moment
What decade was your home built? The older the home the more air sealing is likely to help*
Write NOT SURE; if you don't know
Is your water heater in a basement, attic, garage or crawlspace generally colder than the rest of the house?*
Water heaters are generally heating water up to 120-140 degrees, and a poorly insulated water heater can see some of that heat get transferred to the room itself instead of the water, increasing water heating bills. Water heater insulation can reduce that loss of heat.
Are your toilets single flush or dual flush? If single flush (one button/lever), let us know how many*
Thermostatic shower valve (TSV) - a new invention that saves water and energy in a shower before you even enter it, while it is heating up. There are a number of types, however. Which describes your shower?*
LED Bulbs: how many incandescent light bulbs do you believe might still be in the house to replace? We assume 5 but tell us if it might more of fewer*
(optional) Rim Joist basement air sealing: In your basement, do you see exposed wood above the foundation? Are the corners covered with foam or caulk? (see picture below)
See the example here. Do you see this area where wood floors rest on concrete/stone/brick walls in your basement? If so, and if they aren't filled with spray foam, this upgrade could help air seal the basement from air loss.
Last question! This program has an upper limit on what the banks will pay for (with a few exceptions), generally 15% of the value of the home. What is your best estimate of what you believe the value of the home is?
We'll keep this info confidential
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"Green Homeowners United" Application

Good news! There's a good chance you could participate in our green homes upgrade program!

Good news! There's a good chance you could participate in our green homes upgrade program!

Good news! There's a good chance you could participate in our green homes upgrade program!

Unfortunately, renters & those in condos are not able to do this program (we know it's unfair, we're working on that!)