VA Loan Product

VA Energy Efficient Mortgage (EEM)

Roll energy-saving upgrades into your VA loan.

The VA EEM lets you finance qualifying energy-efficiency improvements directly into your VA purchase or refinance — cutting your utility bill without touching your down-payment or savings.

Up to $6,000 streamlined

No energy audit. No appraisal addendum. No extra approval.

For upgrades costing $6,000 or less, the VA EEM is a simple add-on to your purchase or refinance. Insulation, smart thermostats, efficient water heaters, and low-cost windows are common uses. Above $6,000, a home energy audit unlocks larger projects like solar and geothermal.

Run the EEM savings calculator →

What you get

Add up to $6,000 in EEM improvements
Solar, insulation, HVAC, storm windows
No re-qualifying for the extra amount
Stackable with purchase or IRRRL

How it works

1
Prequalify in 15 minutes.
Soft credit pull. No commitment. Real numbers.
2
Get your COE.
We pull it for you in most cases through the VA's system.
3
Close in ~24 days.
Dedicated loan officer, transparent milestones, no surprises.