If you are planning to sell your home in the next twelve to eighteen months, then you may want to consider some of the government programs that are available. They are not free, but they may help you to sell your home when the time is right – more importantly, they may help you save money when the time does come to sell.

The homeowners “PowerSaver” loan of up to $25,000 is a good example. This loan is designed to help homeowners make their homes more energy efficient. The loans can be used to repair/install insulation, duct sealing, replacement doors and windows, HVAC systems, water heaters, solar panels, and geothermal systems.

If you know your HVAC system is on its last legs, then there is a good chance a property inspection will identify this for repair or replacement, at your cost. Having this done now will save you from having to suddenly find the money come sale time. Insulation and solar panels are good selling points today and could make the difference between a quick sale or a long listing period.

These are loans and are subject to normal lending approvals. However, FHA mortgage insurance is covering up to 90 percent of the loan amount and this will make the loans a little more accessible. If you are planning to sell, then making changes to your home that improves it’s power efficiency can only add to the home’s value. What is more important is that you can repair or replace problem areas now rather than later when a home inspection report forces your hand – or forces you to renegotiate the settlement on your home.