A C C E L E R AT I N G H O M E E N E R G Y E F F I C I E N C Y R E T R O F I T S T H R O U G H L O C A L I M P R O V E M E N T C H A R G E P R O G R A M S 7 G L O S S A R Y O F T E R M S Building envelope — the shell of the home and Loan Loss Reserve (LLR) — monies put aside to includes the outside walls, the attic, the founda- cover losses on a loan due to defaults or non tions, and the floors ov. [...] 32 A C C E L E R AT I N G H O M E E N E R G Y E F F I C I E N C Y R E T R O F I T S T H R O U G H L O C A L I M P R O V E M E N T C H A R G E P R O G R A M S FIGURE 9: BENEFITS AND CO-BENEFITS OF HOME ENERGY EFFICIENCY RETROFITS HOME ENERGY EFFICIENCY RETROFIT Source: Shutterstock 3.0 | T H E B E N E F I T S O F E N E R G Y E F F I C I E N C Y R E T R O F I T S HOMEOWNER MUNICIPALITY COMMUNITY UTI. [...] PACE loans: Does sale value reflect improvements? New York: doi:10.3905/jsf.2016.21.4.006 A C C E L E R AT I N G H O M E E N E R G Y E F F I C I E N C Y R E T R O F I T S T H R O U G H L O C A L I M P R O V E M E N T C H A R G E P R O G R A M S 39 4.0 | B A R R I E R S T O E N E R G Y E F F I C I E N C Y Source: Shutterstock 4.0 | B A R R I E R S TO E N E R G Y E F F I C I E N C Y Low customer dem. [...] A C C E L E R AT I N G H O M E E N E R G Y E F F I C I E N C Y R E T R O F I T S T H R O U G H L O C A L I M P R O V E M E N T C H A R G E P R O G R A M S 43 T I T L E O F 5.0 | LUO CPACLO I MMP RI NO VGE M E N T CSHEACR GTEISO N Source: Shutterstock 5.0 | L O C A L I M P R O V E M E N T C H A R G E S 5.1 | WHAT ARE LOCAL They have been used to finance a variety IMPROVEMENT CHARGES? of projects in. [...] 45 A C C E L E R AT I N G H O M E E N E R G Y E F F I C I E N C Y R E T R O F I T S T H R O U G H L O C A L I M P R O V E M E N T C H A R G E P R O G R A M S The homeowner pays for the measures and repays the loan through regular charges added to the property tax bills.
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