Despite the fact that the Obama administration has plugged $150 million in stimulus money into programs to help homeowners install solar panels and other energy-saving improvements, mortgage loan giants Fannie Mae and Freddie Mac may not accept home loans if consumers take advantage of energy-efficiency programs.

The reason?

Even though the Energy Department wants to promote energy efficiency, Fannie and Freddie worry that taxpayers will lose if a homeowner defaults on a mortgage on a home that uses the creative financing energy efficiency home improvements currently require.

“The thing that is maddening is that this is having a real-life impact with companies laying off people and homeowners in limbo as all these projects are stalled,” Clifford Rechtschaffen, a special assistant attorney general in California, told The New York Times.

The government doublespeak has caused numerous local governments to freeze their energy-efficiency programs, which have helped many homeowners to purchase solar panels that can cost $30,000 or more before incentives.

The financing program allows local government to borrow money through bonds or other means and use it to make loans to homeowners to cover the upfront costs of solar installations or other energy improvements. Each owner repays the loan over 20 years through a special property tax assessment, which stays with the home even after it is sold.

Government mortgage giants Fannie Mae and Freddie Mac remain mired in a swamp of shaky loans for which taxpayers may be billed, FOX News reports.

In the first quarter of this year, Fannie and Freddie saw about 1,000 foreclosures a day.

Because the federal government took over Fannie and Freddie, taxpayers own all those homes, and own or guarantee the mortgages for 31 million more.