What does a HERS rating enable homeowners to do?

A HERS (Home Energy Rating System) rating serves as a standardized measure of a home's energy efficiency. By having a HERS rating, homeowners are able to compare their home's energy performance against others in the market, which helps them understand how their home stacks up in terms of energy efficiency.

Moreover, a HERS rating can also facilitate qualifying for energy-efficient mortgages, often referred to as 'green mortgages.' These types of mortgages may offer favorable terms or incentives for purchasing energy-efficient homes or for making energy improvements to existing homes. This encourages homeowners to invest in energy-efficient upgrades, as they can see not only the immediate benefits of energy savings but also potential financial benefits through more favorable lending options.

The other options provided do not accurately reflect the primary purpose of a HERS rating. While these other aspects, such as home value assessment or obtaining permits, may relate indirectly to overall homeownership concerns, they are not the main focus or benefit provided by a HERS rating.