Abstract: A program for encouraging homebuyers and current homeowners to purchase more efficient HVAC equipment at the time they purchase a home or refinance a home loan is described. Realtors, bankers, lenders, mortgage brokers, and like individuals involved in the purchase or refinancing of a home present an opportunity to purchase energy efficient HVAC equipment to a client at a time when the purchase price of the equipment can be included in the mortgage or refinance loan. The realtors, bankers, lenders, mortgage brokers, and other individuals presenting the opportunity to the client act as marketers or salespeople for the program and the new equipment. These new salespeople work with a facilitator who coordinates the efforts of everyone involved in the transaction. The program provides the client with lower total homeownership costs through utility and maintenance savings. This program could potentially create hundreds of thousands of new salespeople (i.e.

Abstract: A program for encouraging homebuyers to purchase more efficient HVAC equipment at the time they purchase an existing house is described. The purchase price of the HVAC equipment is included in the mortgage loan. The overall monthly cost of the mortgage payment and heating and cooling costs is lowered for any given house. The program is marketed through a real estate agent working closely with a HVAC supplier. A central control entity may oversee the process, provide standardized forms, and locate appropriate installers.