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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9623 E Rocky Lake Drive Sun Lakes, AZ 85248

$589,000

2 Beds

2 Baths

1,774 SqFt

Status Active

MLS # 6778848

Property Type Townhouse

Price Type --

Remodeled from top to bottom in exquisite detail is this one-of-a-kind contemporary villa in the highly desired Oakwood community. Over $100k in upgrades include a re-designed open floor plan, high-quality modern white cabinets in kitchen, bathrooms and laundry room. Kitchen includes quartz counters, stainless steel appliances, gas range, built in cabinet ice maker and pull out shelving. Master suite includes marble shower with Euro glass door, raised vanity with quartz counters and a large walk-in closet. Porcelain tile wood grain flooring, vaulted ceilings in main rooms, plantation shutters and lots of added high-end lights thru-out the home. Garage includes built-in cabinets and sink. Great patio space over looks a wide green belt. HOA takes care of exterior and common areas.

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16002 W Jenan Drive Surprise, AZ 85379

$589,000

4 Beds

2.5 Baths

2,484 SqFt

Status Active

MLS # 6780813

Property Type Single Family Residence

Price Type --

Easy to Show this Beautiful move in ready home located in Greer Ranch subdivision. This 4 bedroom 2 1/2 bath split floor plan with great room is perfect for entertaining guests. Granite counter-tops and beautiful staggered cabinets with large walk in pantry and separate coffee bar area make this kitchen a cook's dream. Gorgeous Master Bedroom and bath. Large laundry room/ pantry with door to the side yard. Raised flower bed along the entire backyard block wall and large grass area along with extended covered patio make for a gorgeous outdoor haven and play area. RV gate with 10' side yard is ready for your creative touch. 3 car garage includes a deep sink. New Paint Inside and Out, Stainless Appliances 1 year old, Luxury Vinyl Plank Floors throughout , New Upgraded Carpet in Bedroom

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35737 N Loemann Drive San Tan Valley, AZ 85143

$589,000

4 Beds

3.5 Baths

3,219 SqFt

Status Active

MLS # 6714599

Property Type Single Family Residence

Price Type --

Welcome to 35737 N Loemann Dr., a stunning home nestled in the highly desirable area of San Tan Valley. This gorgeous property boasts 4 bedrooms, 3.5 baths, and an expansive 3,219 sqft of living space on an 8,265 sqft lot that backs onto the serene Empire Park. As you step inside, you are greeted by a spacious open floorplan that perfectly balances luxury and functionality. The gourmet kitchen is a chef's dream, featuring a large island/breakfast bar, walk-in pantry, granite countertops, stainless steel appliances, reverse osmosis system, and a water softener. The main floor houses a large primary suite complete with a spacious ensuite and a walk-in closet, providing a perfect retreat. Upstairs, you'll find a second suite and all bedrooms come with their own walk-in closets, ensuring ample storage space for everyone. A huge loft and a media room add to the home's versatility, making it ideal for both relaxation and entertainment. The great room opens to an expansive backyard with a view fence overlooking Empire Park, a covered patio, and plenty of space for a custom pool, perfect for entertaining family and friends. Additional features include a 3-car tandem garage and an RV gate for extra storage. Pride of ownership is evident throughout this meticulously maintained home. Don't miss the opportunity to make 35737 N Loemann Dr. your new address in San Tan Valley, AZ.

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36095 N Desert Tea Drive Queen Creek, AZ 85140

$589,000

4 Beds

3 Baths

2,186 SqFt

Status Active

MLS # 6585436

Property Type Townhouse

Price Type --

Welcome to this tastefully decorated and designed property located in the highly desired gated community of Encanterra! Downstairs, this home offers the primary room, a guest bedroom, bathroom and laundry. Upstairs, you're greeted with a cosy loft, two bedrooms and third bath. The kitchen is complete with quartz countertops, modern cabinetry, glass tile backsplash and GE Monogram stainless steel appliances with built in refrigerator, dual ovens and warming drawer. You want it furnished, 'lock & leave' status... Sure! Relax and enjoy yourself under the covered back patio with a built-in BBQ looking out to a large grassy area. Welcome home!

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8744 E Via De La Luna -- Scottsdale, AZ 85258

$589,000

3 Beds

3 Baths

1,675 SqFt

Status Active

MLS # 6673641

Property Type Single Family Residence

Price Type --

Rare 3/3 in desirable McCormick Ranch on a quiet dead-end street. Easy access to schools, shopping, Talking Stick Entertainment District, Dbacks spring training, etc. New dual-speed AC unit with 10-year warranty assures you stay cool affordably! Lovely community pool lets you cool down and not deal with the headaches of maintenance. Please email all offers for quickest response. Supra shackle is now up for easy access! Agents show at your leisure - lockbox installed, no need to schedule.

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9122 W Circle Drive Strawberry, AZ 85544

$589,000

3 Beds

2 Baths

2,027 SqFt

Status Active

MLS # 6703166

Property Type Single Family Residence

Price Type --

Feel the peacefulness of Country Living and bring your horses - 2 horse coved corral is included. Nestled on a secluded 0.40 acre lot, this private home boasts a spacious 2027 sq ft of living space. As you step inside, you are welcomed with a generous great room adorned with cathedral ceilings and a warming gas fireplace, offering a cozy ambiance for gathering or quiet evenings in. The allure of outdoor living is evident with covered back deck overlooking a sprawling yard, providing a perfect setting for outdoor dining, sitting around the fire pit or simply soaking up nature's beauty. Upstairs is a sizable primary bedroom which provides a tranquil sanctuary, vehicle an open loft area offers versatility for various lifestyle needs. This is horse property with two stalls. The 2-car garage has a full attic making for ample storage. NEW HVAC SYSTEM heat and A/C

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915 E Cobble Stone Drive Queen Creek, AZ 85140

$589,000

3 Beds

3 Baths

2,186 SqFt

Status Active

MLS # 6716595

Property Type Townhouse

Price Type --

Start enjoying Encanterra today! This spacious resort home is situated on a premium homesite overlooking a walking trail and stunning mountain views. This home offers a bright and open floorplan with 3 bedrooms, 3 bath, den and spacious loft. Step inside and you'll find upgraded tile plank flooring. The kitchen has beautiful maple cabinets and gorgeous quartz countertops and custom backsplash. All the bathrooms are upgraded with tile surrounds and upgraded fixtures. The garage is spotless with an epoxy finish, R/O and soft water system. The home is situated on a premium homesite and steps away from La Casa as well as the new Algarve, adult pool and restaurant. The Resort collection at Encanterra is perfect for the seasonal resident or year-round homeowner!

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2947 E Rose Lane Phoenix, AZ 85016

$589,000

2 Beds

2 Baths

1,185 SqFt

Status Active

MLS # 6722709

Property Type Townhouse

Price Type --

Views, views, views!! Come see this remodeled Biltmore condo overlooking the magnificent Biltmore golf course. This home features an updated kitchen with stainless steel appliances, completely remodeled bathrooms, new flooring throughout, a good-sized living room and dining room with fireplace, a Split Master, and incredible views of the golf course and mountain from every window and patio. The AC unit was replaced in 2021. One car garage, lush landscaping, Amazing gated community with multiple pools and tennis courts. Within walking distance to all of the Biltmore amenities, world-class hotels and golf courses, shopping, restaurants, entertainment, theaters, library, access to major freeways, 15 minutes to Sky Harbor, and more.

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2930 E Leland Street Mesa, AZ 85213

$589,000

4 Beds

2 Baths

1,796 SqFt

Status Active

MLS # 6749119

Property Type Single Family Residence

Price Type --

This newly painted home w/garages & parking galore!! NO HOA!! 3 car garage, a 12 ft RV gate, & a 60 ft long by 15 ft wide concrete pad behind the gate. A 46 ft long by 5 ft wide concrete walk leads from the garage walk door to back yard. Front door is under a covered pergola seating space & opens to a large front living room & then into the spacious kitchen, great room & breakfast nook. 42'' wood cabinets glow, accented by the beautiful granite and tile work. Master and 3 bedrooms complete the package. Lg master w/walk door to back patio, walk-in closet & beautiful bath w/custom tiled shower. Newer appliances. Interior just painted/freshened up, as well as exterior and trim painted. Large back yard is an open canvas & sale includes the 10 ft x 8 ft shed. Convenient NE Mesa location

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5254 Starlight Drive Happy Jack, AZ 86024

$589,000

3 Beds

2 Baths

2,098 SqFt

Status Active

MLS # 6747257

Property Type Single Family Residence

Price Type --

Escape to your own serene retreat with this stunning 3-bedroom, 2-bathroom cabin nestled in the heart of the forest. Situated on almost an acre of lush, wooded land, this home offers the perfect blend of rustic charm and modern comfort. Perfect for family or guests, each room offers warmth and comfort with beautiful wooden accents. Enjoy updated amenities while maintaining the cabin's rustic appeal. Open floor plan with large windows that bring the beauty of the outdoors inside. Whether you're looking for a weekend getaway or a full-time residence, this cabin offers the perfect setting to unwind and connect with nature. Don't miss out on this rare opportunity to own a piece of paradise!

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2320 E La Jolla Drive Tempe, AZ 85282

$589,000

3 Beds

2 Baths

1,590 SqFt

Status Active

MLS # 6747506

Property Type Single Family Residence

Price Type --

Recently remodeled home in Tempe conveniently located near AZ-101, AZ-202, and US 60 and just minutes away from Tempe Marketplace, ASU, and Sloan Park. This home is beautiful inside and out and features so many modern touches and attention to detail. The kitchen boasts shiny Carrera quartz countertops, stainless steel appliances, shaker cabinets, subway tile backsplash and a large kitchen peninsula perfect for seating multiple people. The decor in both bathrooms blends well with the rest of the home and the guest bathroom also features a Carrera quartz countertop. Additional updates include luxury vinyl plank flooring, new carpet in all bedrooms, fresh paint inside and outside, epoxy in the garage, new custom tall shower door, new tub, and new dual flush toilets. You can also find new light fixtures throughout the home and post lights in the front yard that are dusk to dawn aluminum solar lamps. The backyard has plenty of space to gather around the sparkly blue pool and underneath the large, covered patio. There is also an RV gate and RV parking area located on the west side of the home that is closed off from the rest of the backyard, a perfect spot to park your RV or any other type of vehicle or ATV.

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1250 W Sand Dune Drive Gilbert, AZ 85233

$589,000

4 Beds

2.5 Baths

2,036 SqFt

Status Active

MLS # 6755373

Property Type Single Family Residence

Price Type --

Discover this fully updated, cul-de-sac home surrounded by 3 lakes in the highly coveted Islands community in Gilbert AZ. Located alongside the green belt with views of the lakes, this 4 bedroom, 2 1/2 bath home has been completely updated with custom wood shutters, bamboo wood flooring & new HVAC units. Discover the chef's kitchen equipped with double ovens, custom cabinetry, granite countertops & travertine flooring. The great room features custom wood shutters, a cozy fireplace & strikingly vaulted ceilings which lead into the downstairs primary bedroom, which offers a private entrance to the backyard, dual vanities, separate shower/tub & walk in closet. Enjoy entertaining in your North/South exposure backyard, perfect for hosting friends & family. Community center pool & spa. Must see

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