Financing may be available to help improve the energy efficiency of your home. According to a recent article on RealEstateJournal.com, a website affiliated with The Wall Street Journal, government agencies and private lenders are offering homeowners thousands of dollars in financing to improve the energy efficiency of their homes. Long-term, low-interest mortgages and loans are aimed at efficiency-minded homeowners who want to cut their utility bills. (Are there homeowners who don't want to cut their utility bills?) Borrowers can often arrange 30-year loan periods and interest rates below 10 percent, says the article. If you find the perfect house but it has an ancient heating and cooling system and 20-year-old appliances, you may be able to add an additional $35,000 to your mortgage to improve the energy efficiency of the property using a Federal Housing Authority program. Information about the rehabilitation mortgage program is available on the U.S. Housing and Urban Development (HUD) website.