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Present estimated annual utility costs before installation. Estimated annual utility costs after installation of the energy. Estimated annual savings in utility costs after installation. Printed name(s) and signature(s) of the person(s) that inspected. The following certification, signed by the person(s) who inspected. A mortgage for the purchase or refinance (including rate reduction. Section 2. 03(b). Section 2. 21(d)(2) or Section 2. EEM Pilot. Program. For streamline refinance transactions, however, lenders. An escrow account may be established for no more than three. The escrow account may be administered. The escrow account must be insured and be. Federal. agency. PROCESSING. AND UNDERWRITING REQUIREMENTSA. The lender will first process the mortgage loan application and. If the borrower elects to have an EEM and. The lender must obtain a report prepared by a HERS or energy. Using the HERS or energy consultant's report, the lender. If the. energy efficient improvements meet the . No appraisal of. the energy efficient improvements is necessary and the borrower. If the energy efficient. The lender will calculate the up front mortgage insurance. Closing can then occur. HUD will insure the mortgage before the energy efficient improvements. The escrow account may be established by the lender. However, the lender is responsible. HUD that the escrow has been cleared. Lenders shall. execute form HUD 9. Mortgagee Assurance of Completion, to indicate. HUD that. the improvements have been installed and that the escrow has been. The installation of the improvements may be inspected by. HERS or a HUD fee inspector and the borrower may. HUD Field. Office fee schedule. The lender must include a copy of the home energy rating report. HERS or energy consultant in the closing package. When calculating the borrower's maximum mortgage amount, the. HERS or energy consultant. DISCLOSURE. 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