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Philip Henderson, Senior Financial Policy Specialist, Washington, DC

Philip Henderson
Investment in energy efficiency often makes a ton of sense. It adds value to the property, the up-front cost of improvements is paid back in the form of lower utility bills, and there are widespread benefits in the form of reduced pollution. For lenders and investors in the real estate community, this dynamic should be welcomed as an opportunity to improve the houses and buildings that secure their loans while also helping the nation meet its goals of cutting energy waste. I’ve worked for years to bring innovation to the mortgage finance industry, including at two dynamic technology companies. At NRDC's CMI, we are working at the intersection of finance and efficiency to promote innovation and make the better future that is possible a reality today.

Recent Posts

Innovations in energy efficiency finance -- new FHA rule points the way ahead for 2014

Posted February 5, 2014 by Philip Henderson

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A simple new rule of the Federal Housing Administration should be counted as a recent innovation in energy efficiency finance: For a homebuyer to qualify for an FHA-insured mortgage to purchase a newly built house, the house must meet the...continued

Looking back at 2013, NYSERDA's innovation in efficiency financing stands out

Posted January 2, 2014 by Philip Henderson in Green Enterprise, Solving Global Warming

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It’s that time of year – time to look back at 2013. One energy efficiency deal stands out:  In August, the New York State Energy Research and Development Agency quietly sold a pool of efficiency loans to investors. Selling loans...continued

Rural electric co-ops have new resource to help customers save

Posted December 5, 2013 by Philip Henderson

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While compelling stories about energy efficiency often invoke images of high-performance skyscrapers or extol policies of cities like Philadelphia and Chicago, America’s rural electric co-ops serve millions of households and businesses with electricity and related services and can help their...continued

New evidence that more efficient houses are more valuable houses

Posted November 22, 2013 by Philip Henderson

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When insurance companies offer discounts for lower risk customers, you can bet it's based on reliable evidence. Think lower car insurance rates for drivers with no speeding tickets, and discounted life insurance for non-smokers. Genworth, the large private mortgage insurance...continued

Cut Energy Waste By Running Buildings Better

Posted October 21, 2013 by Philip Henderson

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  Most people know that new light fixtures can reduce energy waste in office buildings, but even the experts may be surprised to learn just how much energy can be saved by running office buildings better. NRDC’s new report on...continued

Sensible leadership from Senators Bennet and Isakson to correct mortgage flaw

Posted June 7, 2013 by Philip Henderson

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Once again, Senators Michael Bennet and Johnny Isakson have teamed up to show there is still leadership and good sense in the U.S. Congress.  They introduced a bill (the SAVE Act, S.1106) that would correct an important flaw in the mortgage process...continued

New study finds strong connection between lower energy expenses and better mortgage borrowers

Posted March 19, 2013 by Philip Henderson in Green Enterprise, Living Sustainably, U.S. Law and Policy

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A new study from economists at University of North Carolina found very strong evidence  that a homeowner with lower energy expenses will be a better mortgage borrower -- lower risk of delinquency, default, and prepayment. The report is titled "Home Energy...continued

How the CFPB could help achieve President's goal to reduce wasted energy in houses

Posted January 10, 2013 by Philip Henderson

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In the State of the Union address, President Obama issued a new goal for America: "Let's cut in half the energy wasted by our homes and businesses over the next twenty years." Here's one place the Administration should focus: Improving the...continued

New data from EIA shed light on residential energy expenses

Posted December 27, 2012 by Philip Henderson in Solving Global Warming

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Houses in America (and the people, machines, and devices in them….) use a lot of energy, year in and year out.  The massive quantity of energy used is often expressed in measures that are abstract to most people -- megawatt hours,...continued

New On-Bill Financing paper outlines key considerations for program design

Posted August 13, 2012 by Philip Henderson in Green Enterprise, Solving Global Warming

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On-bill financing is a very promising way for utilities to help their customers invest in energy efficiency improvements, such as adding insulation, installing new lighting, or upgrading to a high-efficiency air conditioner.  It is simply a loan to a utility...continued

Can news on energy efficiency compete on a big news day?

Posted June 28, 2012 by Philip Henderson in Solving Global Warming

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What a news day!  Yesterday, the Supreme Court issued a pivotal decision on health insurance, Italy beat Germany (on the soccer field), while Germany worries about Spanish and Italian banks at the European Summit.  With all that as competition, it...continued

Op Ed on Walkability confirms the obvious and points to transportation expenses

Posted May 25, 2012 by Philip Henderson in Living Sustainably, Moving Beyond Oil, Solving Global Warming

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The New York Times today published a very nicely argued Op-Ed that describes a reality obvious to anyone who has shopped for a house -- houses in more "walkable" locations are more expensive.  You can read it here.  Many thanks...continued

GSA's leadership

Posted May 15, 2012 by Philip Henderson

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The General Services Administration (or GSA) -- the agency that manges most of the federal government's buildings and leases -- announced today a plan to invest in systems to monitor and measure energy use in certain GSA buildings.  These investments...continued

"Green Button" project is breath of fresh air. Better utility bills to follow...

Posted February 10, 2012 by Philip Henderson in Green Enterprise, Solving Global Warming

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My electricity bill looks like it was designed to confuse customers.  I'm pretty sure I'm not alone in feeling this way.  Fees with seven decimal places, a "multiplier," distribution, transmission, generation charges, a single "kwh" usage amount.  My home address...continued

New Yahoo survey -- the American dream home turns green!

Posted January 12, 2012 by Philip Henderson in Living Sustainably, Solving Global Warming

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A recent Yahoo survey about the American consumer's evolving view of housing provides interesting and strong evidence of a definite market trend.  According to the Yahoo survey, energy efficiency is a top hallmark of the "dream home"  -- more consumers cited...continued

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Switchboard is the staff blog of the Natural Resources Defense Council, the nation’s most effective environmental group. For more about our work, including in-depth policy documents, action alerts and ways you can contribute, visit NRDC.org.

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