GREEN Appraisals Act of 2025

The GREEN Appraisals Act of 2025 requires mortgage lenders to inform borrowers they can provide energy efficiency reports for property appraisals. It mandates that appraisers consider energy features (like solar panels, insulation, and estimated energy savings) when determining a home's value for mortgages backed by federal agencies (e.g., FHA, VA, USDA). The bill ensures these reports are reviewed without affecting loan approval, and appraisers must be certified to evaluate such data. This directly affects homeowners applying for covered mortgages by incorporating energy efficiency into property valuations.