It is hard to talk about how our homes impact our health, well-being, and climate when so many people still struggle to afford the cost of buying their own homes. Today, I bring you a solution cultivated by Kerry Langley, an industry colleague I have known for quite some time.  I’m Marla, the Green Home Coach, and I invite you to lean in and pay attention as you discover how his financial modeling tools and software can help you unlock the doors to a brighter financial future and lead you to the home you deserve! I am so excited to have Kerry share his insights today! They will allow you to approach your housing journey with a fresh perspective and attain outcomes you may never have thought possible. Getting to know Kerry  Kerry Langley is a financial math enthusiast. With a career spanning 38 years in mortgage banking, he used to cater to millionaires with complex financial dealings. However, the 2008 recession took him from thriving to struggling and led him to re-evaluate his approach. After talking to a friend who worked at Merrill Lynch, he felt inspired to explore opportunities that could benefit a broader audience. So he transitioned to high-performance homes and green buildings, even though he had limited knowledge about green and energy-efficient concepts.  Making Green Living Financially Accessible Kerry began a mission to make sustainable, green living financially accessible. He partnered with various organizations to create EarthCraft House, a certification program promoting green homes. That endeavor led to the development of his green mortgage software, Home Bucks, to help consumers identify ways to improve their homes, enhance energy efficiency, and reduce the total cost of ownership. Creating Home Bucks Even though he lacked experience in software development, Kerry still embarked on developing a software tool. The result was a groundbreaking tool called TCO (Total Cost of Ownership), which he later trademarked under the name Home Bucks. This innovative tool aims to empower consumers to live in homes that may seem out of their budget range by optimizing financial aspects.  Making Green Choices affordable  Through Home Bucks, Kerry demonstrated how buyers could incorporate items like solar panels into their mortgage, lower their interest rates, and ultimately reduce their total cost of ownership without straining their initial budget. His practical approach dismantled the misconception that sustainable living was financially out of reach and reinforced the idea that green choices could, in fact, be affordable. The EarthCraft House Certification Program  After being approached by the Atlanta Home Builders Association and the Southface Institute, Kerry partnered with them to develop a green mortgage and got involved with the EarthCraft House certification program.  Enhancing Energy Efficiency Kerry's approach to green homes includes the integration of solar panels, improvements in insulation, installation of energy-efficient appliances, and upgrades to windows. He aims to demonstrate that achieving sustainability and energy efficiency does not necessarily come with a higher price tag.  Addressing Misconceptions About Green Homes One of the challenges Kerry encounters is the prevailing misconception that green homes are expensive and unattainable. Through his meticulous financial modeling and calculations, he debunks that myth.  Creating Long-Term Wealth Kerry helps his clients make informed decisions about their homes, which is their most significant investment. He firmly believes that with careful consideration and a comprehensive understanding of the financial aspects, individuals can build long-term, multi-generational wealth through homeownership. His approach also involves smart financial planning. The Importance of Thoughtful Home Buying Kerry emphasizes the importance of thoughtful consideration when buying a home. He points out that people often spend significant t