Your home's energy data now counts in mortgage appraisals—if lenders choose to use it
H.R. 2413 — GREEN Appraisals Act of 2025 · Filed by Sean Casten (D-IL) · Introduced Mar 27, 2025 · Referred to committee
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What it does
This bill requires federal mortgage agencies (FHA, Fannie Mae, Freddie Mac, VA, USDA) to let borrowers provide energy efficiency reports when applying for home loans, and requires appraisers to consider that information when valuing the property. Borrowers get the right to request an energy report at no cost, and lenders must disclose that energy data may affect the appraisal value—higher or lower. The bill does not mandate that appraisers must increase valuations based on energy efficiency; it only requires they consider the data if provided.
Why we flagged it
The bill's core mechanism is a disclosure requirement and a procedural right for borrowers to submit energy data to appraisers. It does not mandate energy upgrades, subsidize retrofits, or impose new lending standards—only transparency and consideration of voluntary information.
What the text implies
- Appraisers will need 7+ hours of continuing education on energy-report consideration, creating a training market and potential bottleneck in appraisal capacity during the 2026 implementation phase.
- The bill does not require appraisers to increase valuations for energy efficiency—only to consider the data. If appraisers systematically discount or ignore energy reports, the disclosure right becomes hollow, and borrowers may face higher rejection rates if they rely on energy data.
The full analysis lists 5 implications of this text.
Who stands to gain
appraisers (increased demand for energy-report-informed valuations and training); HERS-certified energy raters and Residential Energy Service Network; mortgage servicers and banks (IT system upgrades, compliance costs)