Best of luck to you!
You have another helpful option when purchasing or refinancing: you can borrow more to improve your homeâ€™s energy efficiency, such as repair leaks in your air ducts (a small expenditure, which can save you up to 30% on your energy bill), energy efficient windows, or new attic insulation and solar power as examples. The savings calculated from energy efficiency can then be treated as income, which can add as much as 2% towards qualifying debt ratios.
Different investors cap the amount they will loan for energy efficient improvements, but most allow for thousands of dollars to help you save on your energy costs and to help the environment.
Look For loan origninator that offer 'Green" loans.
Just another way of looking at improving your home and getting repairs takes care of.