EIGHT- PENNY NEWS VOLUME 11 • NUMBER 6 MARCH 1993 Massachusetts: New rules regarding water and septic systems may introduce larger minimum lot sizes and other restrictions for new houses. The Department of Environmental Protection has proposed regulations including: setting minimum house lot sizes through a daily gallon-per-acre formula, which would require lots for new homes not connected to sewers to be at least one acre; doubling setbacks between new septic systems and wetlands or bordering septic systems, from 50 to 100 feet; and requiring home septic systems to be inspected every three years. Vermont: Fannie Mae may use Vermont for a pilot program that makes Energy Efficient Mortgages (EEMs) easier to apply for. The new EEM program would allow lenders to add $5,000 for energy improvements to a borrower's maximum qualifying loan, without any additional underwriting