GREEN Appraisals Act of 2025

Key Points

• This bill would require mortgage lenders to tell homebuyers they have the right to include an energy report when their home is being valued. These reports show things like how much money solar panels save or how well a home keeps in heat.
• If a homeowner provides an energy report, the appraiser must look at it when deciding what the house is worth. This helps make sure that expensive upgrades like high-end insulation or renewable energy systems are actually counted in the home's final price.
• The rule applies to most common home loans, including those backed by the Federal Housing Administration, the Department of Veterans Affairs, and the Department of Agriculture.
• To make this work, appraisers would need to take a special seven-hour training course to learn how to read these energy reports and understand how green features affect a home's market value.
• Starting in March 2026, lenders would have to update their systems to handle these reports and give borrowers a free copy of the energy analysis if one was used for the loan.