The Energy Efficient Mortgage (EEM)

Phoenix  Energy Efficient Mortgage

Harness the power of going green!

With an Energy Efficient Mortgage (EEM), you have the ability to make energy efficient upgrades such as dual pane windows, slider doors, efficient heating and HVAC air conditioning unit, tankless water heaters, insulation in the attic and walls on a purchase or a refinance home loan transaction.                 


 Benefits of The Energy Efficient Mortgage (EEM) are:

  • No additional income required to qualify for extra funds for the home improvement
  • Will lower your overall utility bills adding additional savings in your pocket each month 
  • Receive up to 5% funds of the appraised value for energy conversation improvements for FHA financing and up to $6000 max for the VA home loan program
  • The appraisal does not have to appraise at the higher amount for the additional funds
  • No additional time to close escrow
  • Work is completed after the close of escrow
  • May qualify for tax credit for energy efficient up grades (please see a certified public accountant to verify which items may qualify with the star energy rating)
  • May not have the funds for these upgrades after the close of escrow, lets finance them into the loan
  • Rate does not increase when taking advantage of this loan program
  • One loan, no additional cost or a 2nd lien on the property
  • Add resale value to your home when looking to sell
  • Qualify for a larger loan amount, buy better and a much more energy efficient home
  • Make an older home that is out dated more affordable and comfortable
As you can see there are many benefits to start this home loan program at the beginning of the home loan process on a purchase loan or if you need to sell your home and looking to increase the list price. You can refinance into the EEM home loan program and obtain the funds out of your home if you do not have the extra money for the upgrades.

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