Green Energy Money (GEM) is partnering and connecting with US and Canadian stakeholders to offer a High-Performance Building and Green Energy Mortgage (GEM Loan®) Program, the GEM Loan Hi-PP Initiative. GEM has beta-tested its appraisal and lending practices and methods with several national and regional mortgage lending institutions and banks. This partnership has successfully funded over $37M in loan volume, 78 units; during a 36-month Beta Program for high-performance projects where over 50 percent were near-to-net-zero homes.