--- title: How You Could Save Mortgage Interest description: How Could Building With Enercept Structural Insulated Panels Save You Over $100,000.00 in Mortgage Interest? image: https://3823653.hs-sites.com/hubfs/IMG_3942.jpg --- [![Enercept Structural Insulated Panels](https://3823653.hs-sites.com/hs-fs/hubfs/Logo%20copy.gif?width=1643&height=903&name=Logo%20copy.gif "Enercept Structural Insulated Panels")](http://www.enercept.com) The Future Of Framing [Content Title](https://3823653.hs-sites.com/blog/how-you-could-save-on-your-mortgage-interest#) Description < Previous page Next page > Menu [Content Title](https://3823653.hs-sites.com/blog/how-you-could-save-on-your-mortgage-interest#) Description < Previous page Next page > ### ABOUT ### Applications ### Products ### Resources ### Find Enercept ### Projects ### CONTACT ### Categories Filter Here - [SIPs (124)](https://3823653.hs-sites.com/blog/tag/sips) - [Structural Insulated Panels (71)](https://3823653.hs-sites.com/blog/tag/structural-insulated-panels) - 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[homebuilders (1)](https://3823653.hs-sites.com/blog/tag/homebuilders) - [sipshabitathouse (1)](https://3823653.hs-sites.com/blog/tag/sipshabitathouse) ### Recent Posts ![NewTown-31](https://3823653.hs-sites.com/hubfs/NewTown-31.jpg) [SIPs Underground; Five Smart Reasons to Use Below-Grade SIPs](https://3823653.hs-sites.com/blog/sips-underground-five-smart-reasons-to-use-below-grade-sips) ![](https://3823653.hs-sites.com/hubfs/social-suggested-images/IMG_1570.jpeg) [Do Higher Lumber Prices Make Building With SIPs More Attractive?](https://3823653.hs-sites.com/blog/do-higher-lumber-prices-make-building-with-sips-more-attractive) ![](https://3823653.hs-sites.com/hubfs/social-suggested-images/Weaver.jpg) [Are SIPs Right for Your Build? Do the Research.](https://3823653.hs-sites.com/blog/are-sips-right-for-you-do-the-research-1) ![Enercept University Class of 2023](https://3823653.hs-sites.com/hubfs/2-Mar-22-2023-02-15-13-6741-PM.jpg) [Enercept University 2023: Take Your Building Skills to the Next Level!](https://3823653.hs-sites.com/blog/enercept-university-2023-take-your-building-skills-to-the-next-level) ![contractors-guide-ebook2](https://3823653.hs-sites.com/hubfs/E-BOOKS/contractors-guide-ebook2.png) [SIPs vs. Sticks; Contractors' Guide to Using SIPs](https://3823653.hs-sites.com/blog/sips-vs-sticks-contractors-guide-to-using-sips) # How You Could Save Mortgage Interest Posted by [Roberta Bartel](https://3823653.hs-sites.com/blog/author/enerceptadmin) on September 20, 2023 - [Tweet](https://twitter.com/share) #### How Could Building With Enercept Structural Insulated Panels (SIPs) Save You Mortgage Interest? Did you miss out on the record low mortgage interest rates of 2020 and 2021? For one reason or the other, many of us did. When you look at historical data, the 30 year mortgage rate in the United States averaged 7.74% from 1971 until 2023. Some of us are old enough to remember the all time high of 18.45% in October 1981. Having purchased our first home in the spring of 1981, securing an adjustable rate mortgage (ARM) around 14%, we were thrilled to refinance in the early 90's at 8.25%. Even though current interest rates are below the 50 year average, rates over 6% seem astronomical. With rates this high, how can we afford to build or buy a home? Why not offset your mortgage payment with lower energy costs? Enercept SIPs offer superior insulation with solid core, expanded polystyrene (EPS) foam that is laminated between two sheets of oriented strand board (OSB). This combination yields a proven 40% to 60% energy cost savings. Check out this example: With the cooperation of two neighbors, Enercept was able to perform a side-by-side comparison of two similar homes in Watertown, SD. ![Ranch Style House](https://3823653.hs-sites.com/hs-fs/hubfs/Imported_Blog_Media/project-1000-in-2008-e1474405338992-300x169.jpg?width=312&height=176&name=project-1000-in-2008-e1474405338992-300x169.jpg)The house pictured here is an Enercept house; the other house, also a single-story ranch was conventionally framed and insulated with fiberglass insulation. Both were modest in size, with about 1,000 square feet of conditioned space. Both were heated with Natural Gas and were in the same neighborhood. Based on 1983 Watertown Municipal Utility receipts, the annual expense for Natural Gas in the Enercept home was $273.46; the stick frame home was $573.04. A savings of over 50%! Obviously, Natural Gas prices are significantly higher today - but imagine saving 50% on your current gas bill! If you built an Enercept home and applied this savings to your mortgage balance every year, you could pay your home off early, saving thousands in mortgage interest.  If you simply reaped the savings - you would have additional cash to offset today's higher interest rates. Isn't saving money fun? [![Learn more about residential building with structural insulated panels](https://no-cache.hubspot.com/cta/default/3823653/c647fb51-739a-4137-9a92-c2dcf83f4059.png)](https://cta-redirect.hubspot.com/cta/redirect/3823653/c647fb51-739a-4137-9a92-c2dcf83f4059) Topics: [Energy Efficiency](https://3823653.hs-sites.com/blog/tag/energy-efficiency), [SIPs](https://3823653.hs-sites.com/blog/tag/sips), [Structural Insulated Panel](https://3823653.hs-sites.com/blog/tag/structural-insulated-panel), [SIP Home](https://3823653.hs-sites.com/blog/tag/sip-home), [Green Building](https://3823653.hs-sites.com/blog/tag/green-building) ### you may also like ![Are SIPs Right for Your Build? Do the Research.](https://3823653.hs-sites.com/hubfs/social-suggested-images/Weaver.jpg) #### [Are SIPs Right for Your Build? Do the Research.](https://3823653.hs-sites.com/blog/are-sips-right-for-you-do-the-research-1) ![Blower Door Tests? Early is Best!](https://3823653.hs-sites.com/hubfs/Blower%20Door%20Featured%20Image-1.png) #### [Blower Door Tests? Early is Best!](https://3823653.hs-sites.com/blog/blower-door-testing-early) ![Frost Ghosting: Thermal Imaging Without Equipment](https://3823653.hs-sites.com/hubfs/Thermal%20Bridging.jpg) #### [Frost Ghosting: Thermal Imaging Without Equipment](https://3823653.hs-sites.com/blog/frost-ghosting) ![Now is the Perfect Time to Build Your Dream Home with Sustainable, Energy-Efficient SIPs!](https://3823653.hs-sites.com/hubfs/ENERGY-STAR-SIP-House-Ladue-MO-Kinsella-exterior-1-1-1.jpg) #### [Now is the Perfect Time to Build Your Dream Home with Sustainable, Energy-Efficient SIPs!](https://3823653.hs-sites.com/blog/now-is-the-perfect-time-to-build-your-dream-home-with-sustainable-energy-efficient-sips) [![logosmallwebsite](https://3823653.hs-sites.com/hs-fs/hubfs/logosmallwebsite.png?width=113&name=logosmallwebsite.png "logosmallwebsite")](https://www.enercept.com/) ### CONTACT US: 3100 9th Ave SE Watertown, SD 57201 Phone: ([605) 882-2222](https://3823653.hs-sites.com/blog/how-you-could-save-on-your-mortgage-interest#) Fax: ([605) 882-2753](https://3823653.hs-sites.com/blog/how-you-could-save-on-your-mortgage-interest#) E-mail: [info@enercept.com](https://3823653.hs-sites.com/blog/how-you-could-save-on-your-mortgage-interest#) ### ABOUT ### Products ### Applications ### Resources ### Find Enercept ### Projects [Terms & Conditions](http://www.enercept.com/terms-conditions) [Privacy Policy](http://www.enercept.com/privacy-policy) [Site Map](https://www.enercept.com/sitemap) © Copyright 2018 Enercept, Inc. 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