The board of directors of North Carolina's State Employees' Credit Union has approved the adoption of a "green" mortgage program that encourages home energy conservation.The green mortgages will offer expanded debt-to-income ratios, a 50% reduction in origination fees, and 100% financing for qualifying members, according to SECU. The mortgages will be available on homes that have received an Energy STAR rating, which indicates that the home's energy efficiency level is at least 15% higher than the minimum requirements of the 2004 International Energy Conservation Code. SECU can be found online at http://www.ncsecu.org.

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