A mortgage program through Fannie Mae can help people buy older
homes and make them more energy efficient with one loan. (Photo by Lester
Graham)
Winter is here, and homeowners are preparing for another
round of expensive home heating bills. The U.S. Energy Department
says depending on the fuel you use, home heating costs will rise between
nine percent and 30 percent this winter over last. The high cost of energy
has prompted at least one family to go deeper into debt to save on energy
costs in the future. The Great Lakes Radio Consortium’s Erin Toner has
more:
Transcript
As homeowners face another winter of rising heating bills, one loan officer in the
region
is promoting energy efficiency when people shop for a mortgage. The Great Lakes Radio
Consortium’s Erin Toner reports:
The government and government-chartered companies such as Fannie Mae offer Energy
Efficient Mortgages. But relatively few homeowners take advantage of them. Under the
program, new or existing homes are inspected and rated for energy efficiency. The
homeowners decide which energy-efficient improvements to do, and then roll the cost of
them into their mortgage.
Joel Wiese is a loan officer. He recently closed one of the few non-governmental
energy
efficient mortgages in the Great Lakes region.
“When you start looking at the total housing expense, utilities on top of the rest
of what
you’re doing, you’re basically going to spend less money than you normally would.
Because you’re reducing your utilities. Even though you’re increasing your mortgage
slightly, you’re reducing your utilities significantly. It’s a win-win.”
Wiese says there haven’t been more energy efficient mortgages in the region because
few
realtors, loan officers and lenders know how to use the program.
For the Great Lakes Radio Consortium, I’m Erin Toner.
A neighbor feeds Sir Herman, a calf at Beaver Creek Ranch. Herman is a Scottish Highland bull. Highland cattle are raised in the Midwest for their lean meat. (MPR Photo/Cynthia Johnson)
Kirk Bratrud's Boathouse Restaurant offers Scottish Highland beef. He is working with local farmers to boost the supply. (MPR Photo/Stephanie
Hemphill)
Nearly 1,000 cheeses made from grass-based sheep's milk are aging in the round concrete cave at Love Tree Farm. (MPR Photo/Cynthia
Johnson)
Organic food has become so popular, it’s hard to keep up with demand. For organic farmers, that booming market is a mixed blessing. When they can’t supply as much as the customers want, it puts pressure on the farmers. Some farmers are trying creative ways to fill the demand. The Great Lakes Radio Consortium’s Stephanie Hemphill reports:
Transcript
Organic food has become so popular, it’s hard to keep up with demand. For organic farmers, that booming market is a mixed blessing. When they can’t supply as much as the customers want, it puts pressure on the farmers. Some farmers are trying creative ways to fill the demand. The Great Lakes Radio Consortium’s Stephanie Hemphill reports:
About a year ago, chef Kirk Bratrud and his family built a small restaurant near the harbor in Superior, Wisconsin. It’s called The Boathouse, and it features fresh-caught fish, local vegetables, and — Scottish Highland beef.
“It’s a very lean but tender piece of meat, it has a slightly peppery flavor, something approaching elk but more like beef.”
Bratrud says his customers love Scottish Highland beef.
“Our problem with beef however is that we wish more of it was available.”
He has to take it off the menu when he runs out. It’s hard to find, and the only way he can get it at all is because three farmers in the area raise it. One of them is Doug Anderson, owner of Beaver Creek Ranch. He says Highlands offer plenty of advantages to a farmer.
“There is no waste in the animal, as the fat is on the back of the animal rather than a heavy marbling. And our animals are not grained at all. We don’t even have a feedlot. When we’re ready to take an animal to processing, it will just be picked out of the herd, put in a trailer, and go for processing.”
The animals graze in pastures. They don’t need the antibiotics that are routinely fed to animals in feedlots. Anderson has nearly 50 Highlands. The herd is growing, but it takes time to raise cattle. About 20 steers are ready for market each year.
When he started selling to The Boathouse in Superior, he realized there was a bigger market out there than he could supply. He’s recruiting his neighbors to help out. Three nearby farmers have bought brood cows and bulls. Anderson says when their animals are ready to butcher, he’ll put them in touch with The Boathouse and his other markets.
Three miles away, another organic farm has a different specialty – aged cheese made from sheep milk. Mary and David Falk milk about 100 sheep, and make about four dozen cheeses a week. The aging cave is a concrete silo, built into a hillside.
(sound of door opening)
Inside, it’s dark and cool. Nearly a thousand cheeses are resting on cedar planks. Mary Falk enjoys the different molds growing on the rinds of the cheese.
“We’ve got a gold mold, there’s a mauve colored mold, there’s a blue mold, there’s a soft green. So each one of those little molds adds a a hint of flavor and complexity to the cheese.”
The Falks used to sell their Love Tree cheeses to restaurants in New York and San Francisco. But after September 11th, the orders dropped off suddenly, and the Falks found new customers at a local farmer’s market. Now, they don’t have enough cheese to satisfy their local retail customers AND supply restaurants and cheese shops.
To boost her production, Mary Falk tried buying sheep milk from other farmers, but it didn’t taste the same as milk from the flock on her Love Tree Farm. So she tried to recruit farmers to buy some of her sheep and sell her the milk. A couple of neighbors tried it, but quit after awhile.
Her latest idea is what she calls the Love Tree Farm extended label program.
“What Love Tree is known for is our grass-based milk. And if somebody is making a high quality cheese on their farm, we are willing to put that into our market for them. We would put the Lovetree label on their cheese, like “Love Tree introducing Johnny Smith.”
Falk says it would give customers a chance to learn about new cheeses from a name they trust, and it would give new farmers access to an established market.
It takes time and ingenuity to match producers and consumers. But more and more people want organic food. Farmers who’ve been successful are trying to recruit other farmers to join them in the organic producers movement… an effort that can be profitable and easier on the environment.
For the Great Lakes Radio Consortium, I’m Stephanie Hemphill.
A mortgage program through Fannie Mae can help people buy older homes and make them more energy efficient with one loan. (Photo by Lester Graham)
