Patent ID: 8266076

Claim:
An apparatus for determining an energy savings and applying at least a portion of the savings to a financial transaction, the apparatus comprising: a processor; a computer readable storage medium comprising: a metering module configured to receive signals representing usage of one or more of energy, temperature, flow, current, volume, and mass of at least one utility related to an identified property for a mortgagee, the identified property comprising a new building, the mortgagee owning the identified property; an analysis module configured to predetermine a baseline value of usage of the at least one utility and compare actual usage of the at least one utility, based on the received signals, to the predetermined baseline value and determine a savings in cost of energy for the identified property by calculating a difference between the actual usage and the baseline value, the baseline value based on one or more of modeling data and historic data of properties similar to the identified property; an execution module configured to interface with a mortgagor to automatically apply at least a portion of the savings in cost of energy to repayment of a mortgage loan for the new building, the mortgage loan held by the mortgagor; and wherein the metering module, the analysis module, and the execution module are executed by the processor.