Refinancing to Pay for Renovations? Consider the VA’s Energy Efficient Mortgage Program

Making renovations that are energy efficient is not just a great way to reduce energy output, but it’s also an effective way of decreasing monthly utility costs. It serves as a one-time investment that will save money in the long run.

However, renovations are costly and not everybody has the extra finances required to make energy efficient changes. This is where the VA’s energy efficient mortgage (or EEM) program comes into play.

The program is designed to allow veterans to apply for a new mortgage or refinance an existing one with extra funds to renovate the home to be up to energy efficient standards.

The Three Tiers Under The VA’s Energy Efficient Mortgage Program

The VA has three tiers for the cost of renovations to be done under the EEM program. The lowest, and easiest to be accepted for, is for improvements that will total under $3,000. A list of costs or a contractor’s quote may be required in the application process.

The second tier is for renovations that will cost between $3,001 and $6,000. This will require the homeowner or homebuyer to get a Home Energy Rating System report to detail how efficient a home is currently and what can be done to decrease its HERS rating.

The final tier is for any improvements to the home that will cost over $6,000. This is the most difficult tier to receive acceptance for as both the Department of Veterans Affairs and the private lender will need to approve the renovations.

Types Of Improvements Under The EEM Program

The program covers a variety of renovations for the home. These include: new insulation to walls, floors and ceilings, solar powered heating and cooling systems, thermal doors, thermal windows and new caulking and weather stripping.

There are also items that will not be covered by the program, including new roofing, vinyl siding and air conditioning units.

Using The EEM Program To Receive A Larger Loan

Any veteran or currently active military member looking to buy a brand new home can still benefit greatly from the energy efficient mortgage program. If a new home undergoes a HERS report and passes as being energy efficient, this can be applied to a VA mortgage to receive as much as $6,000 extra on the loan.

Speak with your local mortgage professional to go into more detail on the intricacies of refinancing under the EEM program and whether or not your home will qualify.  If you need mortgage professional, give me a call – 602-320-4253.

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3281 N Eagles Creek Drive Show Low, AZ 85901

$595,000

3 Beds

2 Baths

1,737 SqFt

Status Active

MLS # 6751334

Property Type Single Family Residence

Price Type --

Nestled in a tranquil neighborhood, this beautiful home offers a perfect blend of comfort, style, and convenience. As you step inside, you are greeted by a spacious and open floor plan that seamlessly combines modern design with a warm and welcoming ambiance. The well-appointed kitchen is a chef's dream, featuring sleek countertops, ample cabinet space, and state-of-the-art appliances. Whether you're hosting a family gathering or enjoying a quiet meal, this kitchen is sure to impress. The living area is thoughtfully designed with a focus on both relaxation and entertainment. The generous windows fill the space with natural light, creating an inviting atmosphere for both residents and guests. Spend cozy evenings by the fireplace, creating cherished memories or unwind on lazy afternoons while enjoying your favorite book. The bedrooms are generously sized, providing a peaceful sanctuary for rest and relaxation. The master suite is a true retreat, boasting a private ensuite bathroom and ample closet space. Wake up rejuvenated and ready to take on the day in this luxurious haven. Step outside to discover a covered deck, perfect for hosting outdoor gatherings or simply enjoying the fresh air. Whether you're entertaining guests or savoring a quiet moment, the spacious deck offers a delightful space for relaxation and enjoyment. Create lasting memories as you gather around the fire pit, roast marshmallows, and share stories under the starry night sky. Located in the desirable city of Show Low, this home provides convenient access to a wealth of amenities. Explore the nearby parks, indulge in local dining, or take advantage of the recreational opportunities available in the area. With its picturesque surroundings and welcoming community, Show Low offers a quality of life that is second to none. Don't miss out on the opportunity to make 3281 N Eagles Creek Drive your forever home. Embrace a lifestyle of comfort, elegance, and convenience in this remarkable property.

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2034 N Dayton Street Phoenix, AZ 85006

$595,000

2 Beds

2 Baths

1,150 SqFt

Status Active

MLS # 6756121

Property Type Single Family Residence

Price Type --

Masterfully restored and preserved craftsman in the centrally located Historic Coronado Neighborhood. Half the house is new construction 2009. Ample space to convert into a 3 bedroom with room to add a garage, guest house, and/or pool. Classic details include claw-foot bathtub, moulding, preserved original windows, fireplace. Oversized primary bedroom includes a sitting area, two spacious closets, en-suite bathroom, and large windows overlooking an ornamental orange tree and bougainvillea. Upgrades have been made to the house sewer line and electrical as well as tasteful updates including re-plastered walls, new water heater, paint, light fixtures, and hardware to name a few. Enjoy the outdoor patio, edible fruit trees and shrubs on the property. Blocks to all Downtown Phx has to offer.

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3002 E Pinchot Avenue Phoenix, AZ 85016

$595,000

4 Beds

2 Baths

1,676 SqFt

Status Active

MLS # 6761490

Property Type Single Family Residence

Price Type --

CORNER LOT 4 BEDROOM POOL NO HOA NEW roof (2024), HVAC (2023), Bosch refrigerator (2024). This beautifully updated Phoenix single-story home sits in a prime location near Arcadia and Biltmore. The front yard features real grass and mature trees, while the spacious backyard includes a pool, covered patio, and artificial turf, all completed in 2018. Step inside to find a split floor plan with modern updates throughout. Enjoy the convenience of no HOA and an unbeatable location near some of Phoenix's best amenities and easy access to the airport.

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4127 E Edgemont Avenue Phoenix, AZ 85008

$595,000

3 Beds

2 Baths

1,449 SqFt

Status Active

MLS # 6781398

Property Type Single Family Residence

Price Type --

Amazing and wonderful opportunity to acquire this charming lovely brick home located just outside the highly desired Arcadia Osborn neighborhood. This home features timeless classic brick construction and has been lovingly maintained for over 20 years. Just under 10,000sft irrigated lot with an extended covered patio for entertaining, extensive mature trees (numerous fruit trees), and lots of space to add your own special touches or expansions! Fabulous little storage/''man/woman cave'' already equipped with electric and water set with veranda and set up for future flower/veggie garden area plus another huge storage area with electric off laundry entrance. Awesome location with great shopping, restaurants and cafes close by! Airport and freeways are close too!

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2673 W Ivanhoe Street Chandler, AZ 85224

$595,000

3 Beds

2 Baths

1,794 SqFt

Status Active

MLS # 6786111

Property Type Single Family Residence

Price Type --

Prime Location! Close to the 101 & 202, walking distance to Whole Foods, restaurants/shopping. Beautiful home in a lake community w/3 beds, 2 baths, newer AC & water heater, mature landscape & a 2-car garage w/cabinetry. Discover the large living & dining room and the separate family room with a media niche. Vaulted ceilings add to the airy feel, complemented by custom paint & tile flooring t/out for easy maintenance. The kitchen boasts built-in appliances, recessed lighting, a pantry, and ample wood cabinetry. Enter the main bedroom to find a walk-in closet and an ensuite with dual sinks. The Arizona room, with multi-sliding doors merging the inside/outside activities. Two open patios & a citrus tree complete the large backyard. Located in the heart of Chandler - easy access to the Valle

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8314 W Berridge Lane Glendale, AZ 85305

$595,000

4 Beds

2 Baths

2,696 SqFt

Status Active Under Contract

MLS # 6752281

Property Type Single Family Residence

Price Type --

This home is spacious with 4 bedrooms, office and an extra flex space. The open concept is light and bright, and the home has recently had some nice cosmetic updates with new quartz countertops throughout, new light fixtures, new plumbing fixtures, freshy painted inside and out, new carpet in the bedrooms, new door hardware, new slider, and nice backyard. This open floor plan has a large, updated kitchen with all new stainless-steel appliances, island that seats 4, and opens to an inviting family room. The home has a split floorplan, and the primary bedroom is large with ample space and a walk in closet. Home is in a great location less than a mile from all the amenities at Westgate Mall. Seller willing to offer a rate buy down. The home has a split floorplan, and the primary bedroom has a beautiful new shower and walk in closet. Landscaping has been updated and there is a large, covered patio and 3 car garage with new openers. See documents tab for all upgrades.

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1109 W Georgia Avenue Phoenix, AZ 85013

$595,000

3 Beds

2 Baths

1,532 SqFt

Status Active Under Contract

MLS # 6751808

Property Type Single Family Residence

Price Type --

REMODELED with Incredible Curb Appeal! NO HOA - RV Gate! No expense was spared on this uptown remodel opnly 3 years ago. Exterior features 3 yeras new on all..new stucco, new artifcial turf, new pavers, new roof, new ac unit, new windows, new garage door, new tankless water heater. As you enter, the living area has been opened up to the kitchen w/ white shaker cabinets, quartz countertops, Bedrosians backsplash, and high end stainless appliances. Off the kitchen is a nice sized laundry room and garage access. Out the back door is a huge covered patio that spans the width of the house. Down the hallway is guest bathroom with tiled shower and a dual vanity for both bedrooms to share. Master features an oversized shower with dual shower heads. Your AZ Uptown living is available to you N

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8818 W Quail Avenue Peoria, AZ 85382

$595,000

3 Beds

2 Baths

1,790 SqFt

Status Active

MLS # 6769179

Property Type Single Family Residence

Price Type --

Welcome Home! This recently updated 3 bed/2 bath home invites you to come and make it your own! Located in a desired neighborhood and is on large corner lot! Just minutes from shopping, entertainment and restaurants! This home portrays pride of ownership with recently updated: tile flooring, updated bathrooms, heating and cooling unit, tankless water heater, sunscreens, custom baseboards, door trims and exterior/interior paint! It also has owned solar with grandfathered in rates! The backyard is perfect for entertaining with the pool and the newly added cabana! This home really speaks for itself, come check it out!

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1651 E Tremaine Avenue Gilbert, AZ 85234

$595,000

4 Beds

3 Baths

2,085 SqFt

Status Active

MLS # 6764834

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This stunning 4-bedroom, 3-bath two-story residence features soaring vaulted ceilings & a bright, open layout. 1 bedroom and bath downstairs. Owned solar system to minimize electric bills with no monthly lease payment. The modern updated kitchen boasts stainless steel appliances, granite countertops & gas stove. Retreat to the luxurious primary suite with a walk-in shower & elegant soaking tub surrounded by chic subway tile. Additional second floor bedrooms share a convenient Jack & Jill bathroom. Relax in your pool with privacy in this well laid out backyard. Located near great schools, shopping, & the freeway!

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41961 W Lucera Lane Maricopa, AZ 85138

Open House

$595,000

4 Beds

3.5 Baths

4,283 SqFt

Status Active

MLS # 6769687

Property Type Single Family Residence

Price Type --

Stunning home with Pool, Workshop, and 4-Car Garage in Glennwilde. PRE PAID SOLAR.. enjoy the benefits of solar without a payment! Welcome to this expansive 4-bedroom home, plus a den and a loft, located in the desirable Glennwilde community of Maricopa. This home offers a spacious layout perfect for any lifestyle. Downstairs, you'll find a formal dining room, a breakfast nook, and a large kitchen featuring rich cherry cabinets, dark granite countertops, and plenty of cabinet space. There's also a bedroom and a full bathroom on the first floor for added convenience as well as an office that could easily be converted into a 5th bedroom. Upstairs, the oversized loft provides flexible space for a home office, playroom, or anything your heart desires. The built-in desk in the hallway adds a practical touch. The oversized master bedroom include a separate sitting area, ideal for an office or additional lounging space. The master bathroom boasts a large soaking tub, separate vanities, and a massive walk-in closet. Sitting on over a quarter-acre, the backyard is one of the largest in Maricopa. It features a large pool with a seating bench and water feature, a serene rock waterfall pond, a gazebo with a cozy sitting area, a workshop, and a covered patio with pull-down shade screens. There's plenty of room to create your dream outdoor oasis. A rare 4-car garage provides ample space for vehicles, storage, and toys. Located in Glennwilde, the community offers 2 sparkling pools, walking paths, and is within walking distance of Pacana Park. Don't miss this rare find in one of Maricopa's most sought-after neighborhoods!

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2122 W Virginia Avenue Phoenix, AZ 85009

Open House

$595,000

5 Beds

2 Baths

2,150 SqFt

Status Active

MLS # 6760861

Property Type Single Family Residence

Price Type --

Come see this Newly Constructed, 4 bedrooms, 2 baths, New AC Units, A Casita, or Mother-in-law suite, near Encanto Park, Easy access to I -10 & I -17 Freeways, Shopping, Restaurants, Great Schools, Arizona State Fair Grounds, Downtown Phoenix's Vibrant Cultural Scene, Dining & Entertainment, Easy Access to Encanto 18 Golf Course

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17605 W Blue Sky Drive Surprise, AZ 85387

$594,995

4 Beds

3.5 Baths

2,840 SqFt

Status Active

MLS # 6772324

Property Type Single Family Residence

Price Type --

This stunning 2,840 sq. ft. Darius floorplan is a single-level home offers luxurious living with 10-ft ceilings, an open-concept floor plan, and a separate guest suite. The gourmet kitchen features quartz countertops, high-end finishes, and a spacious island—perfect for entertaining. With a 3-car garage, neutral color palette, and November completion.

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