THREE EASY STEPS TO YOUR HNB GREEN HOME EQUITY LOAN -
1. Incorporate any 2 of these energy saving features into your plan or have your project reviewed by the "HNB Green Committee"
- Purchase/Install Energy Star Appliances
- Increase insulation
- Install a new energy efficient water heater, furnace, boiler, etc
- Install geothermal heating/cooling system
- Install wind or solar or other alternative energy system
- Landscape using drought-resistant plants and shrubs
- Use recycled materials, avoid those that give off harmful gases
- Maximize the use of natural lighting
- Use solar panels to generate electricity and heat water
- Install a Heavy Water Treatment System
- Enhance ceiling insulation
- Install energy efficient windows
- Capture rainwater for landscape irrigation
- Use energy efficient lighting inside and in parking areas
- Use motion sensors and dimmable lights
- Use formaldehyde-free wood
- Construction waste reuse and recycling
- Energy Efficient A.C.- SAR 13 or higher
- Maximize use of shade by use of awnings, opaque window coverings
- Install a tankless electric water heater
2. Have your payment made automatically by AFT (Automatic Funds Transfer from an HNB Deposit Account) or EFT (Electronic Funds Transfer from any another account)
3. Provide us with a valid Email Address
YOU GET
- A Reduced Interest Rate on your
--------10, 15 or 20-Year Green Home Equity Loan
- A Free Evaluation by a Certified Green Professional
- A shopping bag made of recycled materials
- An energy efficient light bulb & water bottle
- Your Pre-Closing Documents Emailed to you
- A USB Flash drive containing
Copies of your Green Home Equity Loan documents in PDF format
A listing of recycling centers in NePA
A Home Energy Audit Checklist
A list of Energy Saving Measures with Payback Time Periods
(Transfer the files to a PC or CD and use the drive for personal use)
HNB Green Home Equity Line of Credit Loans also receive free HELOC Cards. These can be used like a Credit or Debit Card for purchases at retail locations or cash at ATMs.
GET YOUR HNB GREEN HOME EQUITY LOAN FAST
___ 1. Income Verification - ie. Pay-stubs, SSI or Pension Checks (last 2)
___ 2. W-2s, 1099's (last two years)
___ 3. Copies of Federal Tax Returns (2 years - all schedules)
___ 4. Asset Account Statements
------------2 month history or quarterly statement (includes checking,
------------savings, stocks, retirement accounts, 401K, mutual funds, etc.)
___ 5. Deed, Property Tax and Insurance Information
___ 6. Divorce decree and property settlement statement (if applicable)
___ 7. Bankruptcy information (if applicable)
___ 8. Copy of Driver's License
___ 9. $160 check to HNB + appraisal & recording costs
*Construction loans please call our specialists in advance for additional information that may be required.
