; (ii) an estimate of baseline average energy costs; and (iii) additional sources of information as determined by the Secretary. (B) Report requirements For the purposes of subparagraph (A), an energy efficiency report shall— (i) estimate the expected energy cost savings specific to the subject property, based on specific information about the property; (ii) be prepared in accordance with the guidelines to be issued under paragraph (1); and (iii) be prepared— (I) in accordance with the Residential Energy Service Network’s Home Energy Rating System (commonly known as HERS ) by an individual certified by the Residential Energy Service Network, unless the Secretary finds that the use of HERS does not further the purposes of this section; or (II) by other methods approved by the Secretary, in consultation with the Secretary of Energy and the advisory group established in subsection (f)(2), for use under this section, which shall include a third-party quality assurance procedure. (C) Use by appraiser If an energy efficiency report is used under paragraph (2), the energy efficiency report shall be provided to the appraiser to estimate the energy efficiency of the subject property and for potential adjustments for energy efficiency. (4) Required disclosure to consumer for a home with an energy efficiency report If an energy efficiency report is used under paragraph (2), the guidelines to be issued under paragraph (1) shall require the mortgagee to— (A) inform the loan applicant of the expected energy costs as estimated in the energy efficiency report, in a manner and at a time as prescribed by the Secretary, and if practicable, in the documents delivered at the time of loan application