Home ownership entails a lot of expenses. Taxes, insurance, maintenance, principle, interest, and the most unpredictable expense of all, utilities, are common expenses of owning a home.

With the family budget being stretched in all directions these home ownership expenses are becoming more difficult to pay. HOEP is here to lend a helping hand.

HOEP lowers home ownership cost by facilitating the purchase of highly efficient heating and cooling equipment anytime the mortgage is open (when financing a new home or refinancing your current home). The new system will be installed in your home with no upfront cost to you, the homeowner/buyer. The cost is rolled into the mortgage and financed as part of the house.

This process raises the mortgage payment a small amount, but it reduces your utilities bill considerably more per month in nearly all cases. This gives you immediate positive cash flow. Net savings of $100 per month are not uncommon. See example below:

With no out-of-pocket expense, you will be living in your home with a brand new climate-control system for less money per month than you were spending with your old system (which might have needed to be replaced soon anyway).

• Lower monthly living expenses.
• Installation of high-efficiency equipment is tax-deductible.
• Instant positive cash flow with no upfront cash.
• Reduce maintenance costs.
• Improve airflow and comfort.
• Receive applicable rebates.
• Potentially qualify for a more expensive home.
• Purchase a larger home on the same budget.

As utilities increase year to year, your savings will also increase.