Removing Impediments to Energy Efficiency from Mortgage Underwriting and Appraisal Policy Cliff Majersik | 2010 | Finance & Real Estate | Report Share Goal: Enable the market to internalize the financial impacts of energy efficiency by reforming standard residential underwriting and appraisal practices. Read what IMT's Cliff Majersik has to say about addressing this issue by clicking on the PDF. Download PDF Want to get regular updates from IMT? PhoneThis field is for validation purposes and should be left unchanged.