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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51123 N 297th Avenue Wickenburg, AZ 85390

$599,000

3 Beds

2 Baths

1,458 SqFt

Status Active Under Contract

MLS # 6681768

Property Type Manufactured Home

Price Type --

Front porch sittin at its finest with wonderful mountain views overlooking your entire 3+ acre parcel. Beautiful home with both rustic and modern touches. Enjoy a split master bedroom with a beautiful en-suite with a large garden tub and separate shower. Wood look vinyl plank floors throughout the home for easy cleanup and a great look. The large detached barn and garage gives you more options for animals as well as a great storage and parking facility. The horse setup includes 7 covered stalls with a turnout and an arena (140' X 250') equipped with a steer pen and round pen. Home and property are move-in ready and waiting for your enjoyment! Ride out from this property all the way to Box Canyon to work your horses as needed!

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4628 N Desert Stream Way Litchfield Park, AZ 85340

$599,000

3 Beds

2.5 Baths

2,513 SqFt

Status Active Under Contract

MLS # 6701011

Property Type Single Family Residence

Price Type --

Corner view lot with only one immediate neighbor! Property backs to pond with tranquil water and sunset views! 3 Bedrooms + Huge Loft, 2.5 baths, Great Room with dramatic ceiling. Roof redone 2016, 2 New Trane HVAC's 2019, 2 1/2Car Garage updated Nov 2022 with side mount garage door openers, epoxy floor, garage cabinets, 5 overhead storage racks, lighting, wired for EV charging & tankless hot water heater. Neutral tile, carpet and paint. Primary spacious bedroom features vaulted ceilings, window seat and separate door to back patio & lush backyard. Kitchen with backyard/pond views has granite counters, professional appliances, trash compactor and pantry. Private balcony for stunning views! Loft is versatile for office/play room/game room. Front entry with extensive paver patio and steps. Nearby: Wigwam Resort and Country Club featuring 3 renowned golf courses offering 54 holes of championship-level play, tennis, spa, & 3 on site restaurants. From the Litchfield Greens community there are 2 tunnels connecting to Litchfield Park Proper, featuring 4 Parks,1 Lake, miles and miles of walk ways friendly for walking and cycling. Residents enjoy a high quality of life, with access to parks, libraries, and award-winning schools. The city's vibrant community life is reflected in major events like the Litchfield Park Festival of the Arts and Christmas in the Park. Upcoming New Litchfield Square Development~At the heart of Litchfield Park is the Litchfield Square projecta 26-acre mixed-use urban hub that will serve as new downtown. Designed with a walkable, community-oriented layout.

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4525 E La Mirada Way Phoenix, AZ 85044

$599,000

4 Beds

3 Baths

2,250 SqFt

Status Active Under Contract

MLS # 6733584

Property Type Townhouse

Price Type --

Why drive to your next hike or ride? Live tucked in the hills of 16,000-acre South Mountain Park, with over 100 miles of pathways. Access the trailhead right at the corner of your cul-de-sac. Your next home is also nestled with Arizona Grand Golf Course, so your sunset strolls come with a green oasis. The Pointe is truly resort-like living 365 days a year. You can relax in your private pool or head to one of 4 community swim spots. Like to work out? Arizona Grand Athletic Club is 20,000 sf of the latest in fitness & it's right around the corner. When it comes time for work, The Pointe has great access to freeways, including their own gate that only homeowners can use to bypass traffic. This enclave allows you to be close to it all yet surrounded by views. The vistas are calling you!

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1888 W Dion Drive Phoenix, AZ 85086

$599,000

3 Beds

2 Baths

2,080 SqFt

Status Active Under Contract

MLS # 6741209

Property Type Single Family Residence

Price Type --

Your patience is about to pay off! This beautiful, meticulously maintained Telluride perched on a private, elevated, golf-course lot has long-range views of mountains in every direction. Lowered view-fence provides unobstructed sunrise vistas that truly ease the soul. EZ-care turf & landscape. Tastefully updated: New appliances include induction stove sure to improve your cooking experience. Extended solid wood cabinets, some with textured glass fronts. Slab granite counters + backsplash. Plantation shutters and new blinds. Contemporary frosted-glass barn door to walk-in closet. Updated light fixtures + fans. Office w/ glass French doors could be 3rd bedroom. Extended garage with EV CHARGING OUTLET. Fully enclosed, shady front patio extends outdoor living. Move in now! Features List: EXTERIOR Elevated lot with east-facing backyard View-fence dropped to 26 for unobstructed views Soul-soothing vistas in all directions Fully enclosed front courtyard, spacious & shaded Side gate has electronic access Easy-care landscape Artificial turf in backyard New sculptural fan on covered patio (2024)

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3721 E Catalina Drive Phoenix, AZ 85018

$599,000

3 Beds

2.5 Baths

1,977 SqFt

Status Active Under Contract

MLS # 6751178

Property Type Townhouse

Price Type --

This stunning 3-bedroom, 2.5-bath townhome, built in 2019, is located in the highly sought-after Arcadia neighborhood within a gated community. The home features a spacious 2-car garage and beautiful wood plank tile flooring throughout the first floor. The modern kitchen boasts elegant grey cabinets, quartz countertops, stainless steel appliances, and a convenient island with seating. Upstairs, you'll find a large loft, perfect for a home office or additional living space. The expansive master suite is filled with natural light and includes a luxurious master bath with a double vanity and a walk-in shower. Outside, enjoy the small private yard with pavers and low-maintenance artificial turf—ideal for relaxation. Additionally, this home comes equipped with a water softener and an alarm system, adding to your comfort and peace of mind.

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1017 E Grandview Road Phoenix, AZ 85022

$599,000

3 Beds

2 Baths

2,271 SqFt

Status Active

MLS # 6781711

Property Type Single Family Residence

Price Type --

Discover this stunning single-family home featuring an open living room with vaulted ceilings and a cozy wood-burning fireplace. The split floorplan includes a spacious primary suite with a sitting area, double sinks, jacuzzi tub, separate shower, and walk-in closet. The remodeled hall bath boasts a walk-in shower with Kohler fixtures and granite counters. The kitchen offers granite countertops and ample cabinet space. Step outside to a terraced backyard oasis with a covered patio, artificial turf, putting green, and an elevated deck. Enjoy privacy with a lot backing to the serene desert and exclusive HOA-owned hilltop hiking trail. Private park across the street offers playgrounds, basketball court and dog park for residents. Located close to shopping and dining!

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6485 E Heritage Road Florence, AZ 85132

$599,000

3 Beds

3 Baths

2,255 SqFt

Status Active

MLS # 6763202

Property Type Single Family Residence

Price Type --

HIDDEN OASIS! AN ABSOLUTE MUST-SEE ONE-OF-A-KIND HORSE PROPERTY that is fully fenced with block wall & gated with a Stunning 2-story SEMI-CUSTOM HOME with NO HOA! 1.27-acre lot. 3 Car Garage Slate flooring, Granite countertops in kitchen, laundry room, & bathroom vanities. Custom hickory wood cabinets & soaring vaulted ceilings. FLEX Room & Master bedroom on main floor with 2 bedrooms upstairs. Master bedroom bath has granite double sinks, separate tub from shower. Large walk-in Closet in Master with vaulted ceilings. Guest bath is off the dining area. Full Bath upstairs. Dual AC Units. Huge backyard with beautiful mature trees. Enjoy the stunning Arizona Sunsets from your large, covered patio. Recently added a separated spacious horse area with 4 stalls and an enclosed tack/feed shed. Appliances included Refrigerator, Built-in dishwasher, Microwave, & Washer & Dryer. Huge unfinished room over the 3-car garage could be made into a family room, additional bedrooms, endless possibilities! Access door could be made thru up-stairs bathroom. Access to it right now is through the crawl space in the kitchen. Property is located in a new area. Close to shopping, dining, entertainment, hospital, Superstation Mountain, hiking trails, and horse trails.

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4026 W Bluefield Avenue Glendale, AZ 85308

$599,000

5 Beds

3 Baths

2,357 SqFt

Status Active

MLS # 6778290

Property Type Single Family Residence

Price Type --

Huge Swimming Pool Oasis Back Yard, 13,743 sqft lot. Updated Split Floorplan. Northern Glendale, desirable location. Welcome Home to your split floorplan boasting 5 bedrooms 3 full baths. Walk into the formal entry and step inside to an open and bright layout. Primary room with its own private court yard to enjoy some sunshine. New carpet in secondary bedrooms, updated large tile marble look floors, freshly painted and recently remodeled kitchen that steps outside into entertainers dream, large oasis grassy back yard with lush fruit trees and huge patio gazebo to enjoy out door living while you relax in your swimming pool! Conveniently located to the north 101, shopping, restaurants, schools all within easy distance from this amazing. Very large RV gated parking and more room to grow.

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2435 E Jensen Street Mesa, AZ 85213

$599,000

3 Beds

2 Baths

1,991 SqFt

Status Active

MLS # 6772031

Property Type Single Family Residence

Price Type --

Welcome to this impeccably remodeled 3-bedroom, 2-bathroom home spanning 1,990 sqft of elegant, modern living. Home includes newer windows, roof, flooring, paint, and more! The spacious primary suite is a true retreat with a remodeled en-suite bathroom and a large walk-in closet. A secondary bedroom also features its own walk-in closet, providing ample storage. The gourmet kitchen impresses with a deep walk-in pantry, sleek countertops, and beautiful cabinetry. Outside, enjoy a private backyard space ideal for entertaining or unwinding under mature trees. This home seamlessly blends style and functionmove-in ready with every detail thoughtfully updated!

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20858 W Glen Street Buckeye, AZ 85396

$599,000

3 Beds

2 Baths

2,089 SqFt

Status Active Under Contract

MLS # 6764370

Property Type Single Family Residence

Price Type --

Your Dream Home Awaits! This beautiful pool home on an oversized lot in Verrado's coveted Main Street district is sure to impress! As you enter the home, you'll be sure to appreciate the upgrades from floor to ceiling with Luxury Vinyl Plank Floors, upgraded carpet, 9' Ceilings with 8' Doors and brand new paint, wood blinds and ceiling fans throughout! The front of the home is appointed with two guest bedrooms and a guest bath with upgraded vanity height, dual square sinks and a tub/shower combo. The gourmet kitchen is a stunner with quartz counters, custom tile backsplash, upgraded height upper cabinets, double ovens, gas range and walk-in pantry! The Primary suite provides ample space with a massive walk-in shower, upgraded height vanity with dual square sinks and huge walk-in closet! The upgraded Laundry room offers a sink, lower cabinets and upper shelving. Spend the days relaxing in the sparkling pebble tec pool with water feature and baja step. Pre-plumbed and electrical work already done to easily add a heater to the pool! Easy to install pool fencing will stay with the home as well. Low maintenance yard with turf so you can enjoy green grass all year round! The 3 car garage provides space for your golf cart or other toys and projects! A short walk to Main Street with all of it's dining, events and grocery store, as well as many grassy parks and a trail which winds throughout Verrado. Also a short walk to Verrado Elementary and Middle Schools. Verrado features top rated schools, golf courses, over 80 parks, dog parks, splash pad, 2 community pools, fitness center, and Main Street with shopping, dining, and grocery. Enjoy community events like tree lighting ceremony, founders day celebration weekend, and other holiday events

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11021 W Buchanan Street Avondale, AZ 85323

$599,000

5 Beds

2.5 Baths

2,830 SqFt

Status Active

MLS # 6764601

Property Type Single Family Residence

Price Type --

An AMAZING OPPORTUNITY for a spacious NEW HOME in a FAMILY FRIENDLY COMMUNITY near the heart of New Downtown The BLVD in Avondale. Seller will consider up to a 3% allowance towards buyer's closing costs/rate buy down with a full price offer. Expansive community green belt on one side gives the feel of a corner lot with extra privacy. Luxurious upgraded kitchen with GE Profile appliances and quartz countertops. Huge master bedroom with a private retreat space, beautiful custom built-in closet and large shower. 2 bedrooms with a Jack-and-Jill bathroom. 2 flex rooms that can turn into extra bedrooms, guest spaces, playrooms, or home offices. Additional Interior Features: Ceramic tile flooring, Hunter ceiling fans with remotes and custom motorized blinds throughout the home. Future school planned next to the community for families. Additional Interior Features: Ceramic tile flooring, Hunter ceiling fans with remotes and custom motorized blinds throughout the home. Additional Exterior Features: Insulated 3-car garage, Tankless Hot Water Heater, Pre-Plumbed utility sink and Soft Water loop.

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907 E Encinas Avenue Gilbert, AZ 85234

$599,000

5 Beds

3 Baths

2,699 SqFt

Status Active

MLS # 6696710

Property Type Single Family Residence

Price Type --

Dramatic price reduction!! Rare basement home in the highly desired Circle G Meadows community. Just a few minutes from all of the attractions of downtown Gilbert. Close to FREESTONE PARK, shopping, restaurants and freeways. This beautiful BASEMENT home features a formal living room, open eat in kitchen with island and bay window with family room. The basement has two additional bedrooms, full bath, living room & fireplace. The backyard offers a private pool with covered patio area & a mature grapefruit producing tree. Homes in this desired area do not last long!

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