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.
Two documentation tiers
Up to $3,000, and $3,000–$6,000.
For upgrades up to $3,000, the cost of improvements must be supported by a bid or itemization of costs. For more than $3,000 up to $6,000, you'll need a bid or contract itemizing the improvements and cost, plus lender documentation showing the payment increase doesn't exceed the estimated monthly energy savings. Underwriting, appraisal, documentation, and lender overlays may apply by transaction. See the VA's EEM guidance.
What you get
- Finance qualifying energy-efficiency improvements
- Solar, insulation, HVAC, storm windows
- Up to $3,000: cost supported by a bid or itemization
- Over $3,000 through $6,000: itemized bid/contract plus lender documentation that the added payment does not exceed estimated monthly energy savings
- Stackable with purchase or IRRRL
How it works
- 1Prequalify in 15 minutes.No commitment. Real numbers. Submitting this inquiry does not authorize a credit pull.
- 2Get your COE.We pull it for you in most cases through the VA's system.
- 3Close with a dedicated loan officer.Timelines vary by file, property, and underwriting — your loan officer will give you a schedule specific to your transaction.