白宫中识别的主要目标之一通过改造倡议恢复据2009年宣布，宣布是为能源效率改进产生房主的利益，并在此过程中开发自我维持的改造行业。

为此，住房和城市发展秘书肖恩多瓦潘和能源秘书部上周史蒂文楚介绍了一个名为PowerSaver的试点程序，它将提供高达25,000美元的房主贷款，以便能效升级，包括安装绝缘，管道密封，门窗更换，更高效的HVAC系统和热水器，以及安装光伏，太阳能热或地热的安装系统。

根据借款人的信用评分，随着5％至7％的5％至7％，贷款将通过已批准参加该计划的18个贷方提供约30,000名房主的贷款。贷款人将保留其贷款的每笔贷款风险的10％，联邦房屋委员会将确保剩下的90％违约。

能源改造的跳跃开始？

随着房屋净值继续滑动或停滞不前,其他e may well be significant homeowner interest in the PowerSaver initiative, particularly because other financing options for such improvements, including物业评估清洁能源（步伐）贷款，相对稀缺。由当地债券问题提供资金，实际上的步伐贷款于去年抵押担保人和弗雷迪MAC裁定，因为贷款在第一抵押贷款上有“超级优先权留置权”的地位，他们呈现了参与户口的第一个抵押贷款ineligible for Fannie and Freddie’s underwriting.

The press release about PowerSaver was careful to note that loans obtained through the program “generally will be secured by a mortgage or deed on the home that is subordinate to any existing first mortgage.” HUD predicts that the pilot program will create more than 3,000 jobs, although its impact on employment will be greater if it seeds further demand for retrofit services and attracts a larger share of lending community.

参加Powersaver的贷款人包括海军上将银行;AFC第一财务公司;科罗拉多银行;博伊西市，爱达荷州;能源融资解决方案;企业Cascadia;主页库;邻居的金融公司;倾向股权抵押;加快贷款; SOFCU Community Credit Union; Stonegate Mortgage Corporation; Sun West Mortgage Company; The Bank at Broadmoor; University of Virginia Community Credit Union; Viewtech Financial Services; WinTrust Mortgage; and W. J. Bradley Mortgage Capital Corporation.