Energy Efficient Mortgage (EEM)

Looking for ways to improve your home's efficiency and potentially value? With an Energy Efficient Mortgage, finance energy efficient improvements into an FHA home loan.


The Energy Efficient Mortgage (EEM) can be a great home loan program for borrowers to finance energy efficient improvements into an FHA home loan.* Borrowers can finance up to 100% of the energy saving improvements as long as the value of the energy saved can be shown to be greater than the cost of the improvements according to FHA guidelines.

EEM allows for energy improvements such as*:

  • Upgrade Existing Windows
  • Upgrade Existing Heating and Air Systems
  • Upgrade Insulation
  • Plus many many more energy efficient improvements

*Restrictions apply. The value of energy saved must be greater than the cost of improvements, according to FHA guidelines. Cost may be added to the mortgage amount per FHA's maximum calculations. Ask your Mortgage Loan Originator for details, or contact us for more information. Program guideline information may change without notice. Please contact us for the latest program guidelines.

We'll walk you through each step of the loan process.
Contact us today to get started!