; and (II) with priority given to a manufactured home that was constructed before June 15, 1976. (B) Loan term described The loan term referred to in subparagraph (A)(i) is— (i) in the case of a manufactured home replacement, not more than 20 years; and (ii) in the case of any other energy efficiency measure, not more than 15 years. (2) Repayment (A) In general Subject to subparagraph (B), a loan described in paragraph (1)(A) shall be repaid by the qualified consumer through charges added to an existing or new electric or recurring service bill for the property of the qualified consumer for, or at which, energy efficiency measures are being implemented. (B) Alternative repayment Repayment under subparagraph (A) shall not preclude— (i) the voluntary prepayment of the loan by the qualified consumer; or (ii) the use of any additional repayment mechanism, including a tariffed on-bill mechanism, that— (I) has appropriate risk mitigation features, as determined by the eligible entity; or (II) is required due to the qualified consumer no longer being a customer of the eligible entity. (3) Energy assessment (A) In general Prior to the installation of energy efficiency measures at the property of a qualified consumer that receives a loan from an eligible entity under this section, and to assist in the selection of the energy efficiency measures to be installed, the eligible entity shall conduct an energy assessment or audit to determine the impact of proposed energy efficiency measures on— (i) the energy costs and consumption of the qualified consumer