Session · Practice and business · Everyone

Financing and Valuing Passive and High-Performance Homes

Teresa Lopez · November 18, 2025 · Chapter · PHGC (Passive House Gulf Coast)

Mortgage banker Teresa Lopez on how high-performance and Passive House homes are valued and financed: green financing programs, and how to show appraisers and lenders the value of energy savings, resilience, and long-term cost benefits.

Key points

• The economic and performance data appraisers and lenders need to value and underwrite high-performance homes.
• Methods to quantify energy savings, resilience, and long-term cost benefits for green premium valuation.
• Case studies of efficient retrofits and new construction with solar, geothermal, and rainwater harvesting.
• Current green financing programs and incentives for high-performance homes.

Topics: Cost