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9. Debt-to-Income Ratio: None <br />10. Eligible Borrowers: All borrowers must be legal residents of the United States, as <br />evidenced by a social security number, including U.S. citizens, permanent resident <br />aliens and non-permanent resident aliens. Individual Tax identification numbers are <br />not acceptable. Must be an eligible CenterPoint Energy customer. <br />11. Ineligible Borrowers: Applicants with no ownership interest, business entities, <br />foreign nationals and non-occupant co-borrowers <br />12. Eligible Properties: All 1-4 unit owner-occupied properties located within the <br />geographical boundaries of the City of Brooklyn Park. Condominiums and <br />townhomes are eligible for this program if their individual unit’s interior is not <br />covered by the owner’s association as stated in the association by laws. Properties <br />held in a trust or contract for deed are eligible. <br />13. Ineligible Properties: Non-owner-occupied, properties with more than 4 units, co- <br />operatives, mobile homes and properties used for commercial purposes. <br />14. Eligible Improvements: Must include only the energy efficiency upgrades that are <br />eligible through the CNP On-Bill Repayment Program; furnace, <br /> <br />Specifically, all measures eligible for a rebate under one or more of CNP’s <br />Residential Segment Program will be eligible for the On-Bill Repayment Program <br />except for furnace or boiler tune-ups or thermostats not installed with an eligible <br />heating system. Eligible improvements include but are not limited to (Efficiency <br />requirements are subject to change): <br /> <br />• HES recommended improvements determined through a site visit <br />• Furnace >= 92% AFUE* <br />• Boiler >= 83.5% AFUE* <br />• Programmable, communicating, and analytics-capable thermostats installed with <br />a qualifying heating system <br />• Electronic ignition hearth products <br />• Water Heaters (conventional tank, tankless, indirect, or heating/water heating <br />combo systems) that meet energy star requirements <br />• Energy Star rated clothes washers and natural gas dryers <br />• Wall insulation in a home with natural gas heating, improving insulation levels of <br />R-5 or less to a level of R-11 or greater <br />• Attic insulation installed with air sealing in a home with natural gas heating, <br />improving from R-30 or less to a value of R-49 or greater. <br /> <br />***Other improvements are eligible to be included in the loan as long as at least one <br />eligible energy conservation improvement is being done. These improvements <br />include, but are not limited to: <br /> <br />• Central Air, Mini-Split or Heat Pumps installed with eligible gas heating <br />equipment (at least 14 SEER) <br />• Energy Star rated Windows/Doors , if doing eligible insulation measures *** <br />• Ventilation <br />• Bath fans