mortgage, you should see charges in just about every section on your GFE. In addition, if you don't have 20% to put down, there are even some banks that are offering 0% down with no mortgage insurance on a 30-year fixed loan, which is another way to save on the monthly payment. If you're a homeowner that doesn't require emergency repairs, but is looking for help in making your home more energy efficient, there's the eco - ENERGY Retrofit program.