High performance, energy efficient homes experience lower utility costs, allowing the borrower to stretch their income-to-debt ratio when qualifying for a mortgage. Studies have shown that homeowners who purchase a highly energy efficient home are less likely to default on their loan. When homeowners save on utility costs, they have more income to spend on their mortgage, making them more confident borrowers. Home energy efficiency provides the leverage for borrowers to qualify for a larger loan while also reducing the risk of default. The Green Building Registry® (GBR) makes it easier for homebuyers to pinpoint energy efficient homes and make more informed decisions at the time of purchase. Additionally, those who are selling, refinancing, or remodeling can reference home energy information on GBR to guide decisions regarding cost-effective, energy-saving improvements and retrofits that increase the potential resale value of the home.