VA Energy Efficient Mortgage (EEM)

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.

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. 1
   Prequalify in 15 minutes.

   Soft credit pull. No commitment. Real numbers.
2. 2
   Get your COE.

   We pull it for you in most cases through the VA's system.
3. 3
   Close in ~24 days.

   Dedicated loan officer, transparent milestones, no surprises.