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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2218 W Curry Street Chandler, AZ 85224

$574,900

4 Beds

2 Baths

2,040 SqFt

Status Active

MLS # 6774650

Property Type Single Family Residence

Price Type --

Welcome to Your Dream Family Home! Fall in love with this stunning North Chandler residence featuring 4 Bedrooms, 2 Baths, and a Sparkling Pool—perfect for Family Fun and Relaxation! This beautiful Home boasts impressive Curb Appeal with a Spacious 2-Car Garage and an RV Gate for all your toys and adventures. Step inside to discover a Bright and Inviting Interior, highlighted by a completely remodeled Chef's Kitchen. Enjoy Upgraded Premium Cabinetry, a large Kitchen Island, Granite Countertops, and a cozy Eat-in Dining area, all complemented by elegant Tile Flooring and Soft Carpet in just the right places. The welcoming Living Room features French doors that lead to your own oasis—a Crystal-Clear Pool surrounded by a Covered Patio. The Oversized Main retreat is a true sanctuary, offering His and Hers Closets, a resort-style Ensuite Shower, and easy access to the backyard patio through more French Doors. Additional highlights include a Soft Water System, Dual-Pane Windows, recent Attic Insulation, and a Drop-Down Ladder in the Garage for extra storage. Both front and backyards are equipped with a Sprinkler System, and the New Turf creates a low-maintenance, green space. Enjoy modern conveniences with a 3-Stage Efficient Pool Motor, an Outdoor Hot and Cold Shower by the Pool, and Wi-Fi-controlled A/C thermostat and Garage Door. Located in a peaceful neighborhood, this home is surrounded by Parks and Common Areas, perfect for family outings and community fun. Don't miss this incredible opportunity....this gem is priced to sell!

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12827 S Hermit Road Buckeye, AZ 85326

$574,900

4 Beds

2 Baths

2,161 SqFt

Status Active Under Contract

MLS # 6729702

Property Type Single Family Residence

Price Type --

Welcome into your beautiful spacious horse property with a pool located on just over an acre! The property is fully fenced and has a 2 car garage. You'll love this spacious floor plan, with 4 bedrooms, 2 bathrooms and has tons of natural light throughout with vaulted ceilings. The gorgeous kitchen has custom cabinets, stainless steel appliances and a breakfast bar. The owner's suite features tons of space, with a large master bathroom that has a separate tub and shower and double sinks. Out back you'll find a fenced pool with a large baja step and is surrounded with travertine decking. The extended covered patio makes for great entertaining space. This oversized lot has tons of space to build horse stalls, storage sheds etc. Home is located in a non HOA community. Come out to see it!

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4570 S Felix Place Chandler, AZ 85248

$574,900

3 Beds

2.5 Baths

1,983 SqFt

Status Active

MLS # 6757381

Property Type Single Family Residence

Price Type --

Welcome to Parkview Place, a beautiful GATED Ocotillo community. This home has been meticulously maintained by original owner and shows like a model! Fabulous floor plan features 3 bedrooms, 2.5 baths PLUS a large open LOFT and 2 car garage. Modern Craftsman design features 42'' white cabinetry, stainless steel appliances, quartz kitchen countertops, wood plank style tile, upgraded carpet in bedrooms, white blinds, satin nickel fixtures and finishes, 8' four panel sliding patio door and much more. Artificial turf in yard and sparkling community pool with BBQ area.. At Parkview Place, convenient, low maintenance living meets exceptional design & innovation. Snedigar Park and the Fulton Ranch walking paths and lakes just steps away. Fabulous lock and leave opportunity!

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20148 N 109th Drive Sun City, AZ 85373

$574,900

4 Beds

2 Baths

2,246 SqFt

Status Active

MLS # 6762784

Property Type Single Family Residence

Price Type --

BRAND NEW ROOF, JUST ADDED! With a warranty! Don't miss out on this rare opportunity to own a beautifully renovated gem in the highly sought-after Ventana Lakes community! This stunning 4-bedroom, 2-bathroom home is perfectly situated on a sprawling 16,000 square-foot cul-de-sac lot, offering ample space and privacy. The home has been completely transformed with modern upgrades, including brand-new flooring, fresh interior and exterior paint, sleek quartz countertops, freshly painted cabinets, new hardware, state-of-the-art kitchen appliances, updated lighting and fans, modern plumbing fixtures, baseboards, and more! As you step inside, you'll immediately be greeted by the soaring vaulted ceilings and an abundance of natural light that fills every corner of this open and airy space. The tranquil atmosphere creates the perfect backdrop for both entertaining guests and enjoying peaceful moments at home. The highly desirable Ventana Lakes community offers more than just a homeit's a lifestyle. Enjoy the scenic walking paths winding around nine beautiful lakes, catch-and-release fishing in fully stocked waters, and a wealth of amenities including pickleball courts, four community pools, tennis courts, and a well-equipped clubhouse with a fitness center and rooms for classes and activities. This home embodies the perfect blend of comfort, style, and community living. Come see it for yourself before it's gone!

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19001 W Desert Mirage Drive Surprise, AZ 85388

$574,500

3 Beds

2 Baths

2,010 SqFt

Status Active Under Contract

MLS # 6756108

Property Type Single Family Residence

Price Type --

Welcome to your dream home in Surprise! This stunning 3-bedroom, 2-bath residence with a den boasts impressive curb appeal, featuring a tranquil front porch. Inside, you'll find a meticulously maintained space, highlighted by a gourmet kitchen with custom cabinets, a pantry, an oversized island, and stainless-steel appliances. The open-concept design seamlessly flows to an inviting outdoor area with dual sliders, a covered patio equipped with ceiling fans and TV hookups, and a self-cleaning, heated, and cooled saltwater pool with a beautiful water feature. The owner's suite is a spacious retreat, featuring a spa-like bathroom and a custom closet. Additional highlights include plantation shutters, solar, sun screens, and an oversized garage with built-in cabinets. Come see it today!

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18313 E Spring Valley Court Rio Verde, AZ 85263

$574,449

2 Beds

2 Baths

1,678 SqFt

Status Active

MLS # 6758949

Property Type Single Family Residence

Price Type --

Welcome to this beautiful home in the Resort Collection at Trilogy at Verde River. The Valletta offers a well thought-out layout with 2 bedrooms, 2 bathrooms, and an office. Enjoy Beautiful Gold Landscape Package which Includes Pavers and upgraded window covering package. The kitchen is stunning with Barcelona Granite Countertops and a spacious kitchen island with a breakfast bar. The great room boasts a 12 foot multi-slide door that open to the covered patio. The primary suite has a lavish ensuite with a huge tiled shower and walk-in closet. Do not miss out on this home The amenities at Verde River are World Class with Tom Lehman inspired eighteen-hole Golf course, tennis courts, pickleball courts, and bocce ball, heated lap pool and Resort style swimming pool, hot tub, Afterburn fitness center, Helen's demonstration Kitchen for cooking classes and a 7.5 acre dog park. The community center has casual poolside dining at Eddy's Diner and gourmet dining at award-winning Needle Rock Kitchen and Tap, Alvea Spa with full-service Salon and Spa amenities, Art Loft and events center. Trilogy at Verde River is adjacent to the Tonto National Forest and is situated in the middle of miles and miles of hiking and biking trails.

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14226 W Parkland Drive Sun City West, AZ 85375

$574,400

2 Beds

2 Baths

2,103 SqFt

Status Active

MLS # 6761226

Property Type Single Family Residence

Price Type --

Welcome to this spectacular home-resort style living with a serene interior atmosphere! Meticulously updated San Carlos model featuring private, heated pool and amazing views of the 18th fairway of the Grandview Golf Course-situated on a large lot in a low tax area with no HOA fees! Come inside this luxurious dream home that features custom granite countertops throughout, upgraded GE Profile S/S kitchen appliances & updated spa-inspired bathrooms, plantation shutters T/O, popcorn ceilings removed, wall corners bullnosed, int/ext neutral paint, OWNED SOLAR BLANKET HEATING SYSTEM FOR POOL, automatic Remote-Controlled Misters on rear patio, Culligan water softener system & mature fruit trees, beautifully landscaped, Oversized utility room w custom utility sink-storage & pull-out faucet.

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20221 N 31st Street Phoenix, AZ 85050

$574,000

5 Beds

3 Baths

2,177 SqFt

Status Active

MLS # 6749488

Property Type Single Family Residence

Price Type --

Immaculate 5-Bedroom, 3-Bath Move-In Ready Home with Fresh Updates, and Backyard Paradise. Discover the perfect blend of modern luxury and convenience. This newly painted 5-bedroom, 3-bathroom home is move-in ready and packed with features that make it an exceptional find. With two brand-new AC units installed in May 2024, you'll enjoy year-round comfort in this energy-efficient, beautifully upgraded property. Step inside to find a bright, open layout with plenty of space to entertain. The living room is prewired for a large TV, ready for your home theater setup—perfect for movie nights or watching the big game in style. The home also features a remodeled master bathroom and new flooring upstairs, adding a touch of luxury at every turn. The wardrobe in the upstairs guest room conveys with the property, offering added convenience. Outside, the backyard oasis awaits, featuring a charming pergola and fruit trees that create the perfect setting for outdoor gatherings or peaceful evenings at home. Location couldn't be betterCostco is less than a mile away, and you're just minutes from Desert Ridge Marketplace for shopping, dining, and entertainment. Plus, with easy access to Loop 101 and SR-51, commuting anywhere in Phoenix is a breeze. This stunning home checks all the boxes: space, style, comfort, and a prime location. Don't miss this incredible opportunityschedule your showing today before it's gone!

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8762 E Posada Avenue Mesa, AZ 85212

$574,000

4 Beds

2 Baths

2,516 SqFt

Status Active

MLS # 6732222

Property Type Single Family Residence

Price Type --

Highly sought-after MOVE-IN READY single level home with 4 spacious bedrooms and 2 full bathrooms! The open kitchen features a large island, granite counters, tile backsplash, and stainlesss steel appliances- perfect for hosting gatherings with family and friends. The walk-in pantry provides ample storage space for all your kitchen essentials. Outside you will find a private pool with a waterfall feature and pergola, perfect for outdoor entertaining and relaxation. The primary bedroom is spacious with a bathroom that offers dual sinks, separate shower/bathtub, and a large walk-in closet. A new AC was installed this year, so you don't have to worry about the heat. Quick access to 202 & 60 freeways! Don't miss out on the chance to make this house your home! Gilbert Schools/Mesa taxes

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29502 N 126th Lane Peoria, AZ 85383

$574,000

4 Beds

2 Baths

2,287 SqFt

Status Active

MLS # 6767268

Property Type Single Family Residence

Price Type --

WELCOME TO YOUR NEW HOME! As you step through the beautiful, lush front yard, you'll immediately feel at home. Inside, enter through a wide foyer and spacious living room which flows seamlessly into the family room, just off the updated kitchen. The kitchen boasts granite counter-tops, a large island with a breakfast bar, and opens into a roomy breakfast nook. This home features a split floor plan with a generous primary bedroom, a large en-suite bath, a walk-in closet, and a stylish tiled shower. On the opposite side, you'll find three additional bedrooms and a full bath. Outside, enjoy a large grassy play area and a recently installed pool, perfect for relaxation or entertaining. Three car tandem garage and spacious inside laundry room add to the efficiency of this home. See it today

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2351 N Tierra Alta Circle Mesa, AZ 85207

$574,000

4 Beds

2 Baths

1,811 SqFt

Status Active

MLS # 6775532

Property Type Single Family Residence

Price Type --

Incredible Opportunity in East Mesa! Discover the only single-level, 4-bedroom home under $600,000 east of the 202 Loop with a private pool in a gated community. This rare find is nestled on a premium corner lot in the secure Boulder Mountain Community, offering a perfect blend of comfort and style. The home showcases a beautifully updated chef's kitchen with a gas range, Taj Mahal quartzite countertops, a custom backsplash, and many thoughtful upgrades. The functional split floor plan ensures privacy, with one secondary bedroom featuring a walk-in closet.The stunning primary bathroom boasts a large shower with a glass wall and a separate soaking tub, perfect for unwinding. Elegant diagonally laid tile throughout the main living areas adds sophistication, while the oversized 2.5-car garage provides ample storage space and includes an 18,000 BTU HVAC mini split for heating and cooling. The expansive corner lot is ideal for entertaining, with a gorgeous pool as the centerpiece. Lots of entertainment areas, and lovely garden beds. Plus, enjoy peace of mind with a new AC unit that keeps the home comfortable year-round. Boulder Mountain's prime location near Loop 202 and its proximity to Usery Mountain Regional Park offers endless opportunities for hiking, biking, and outdoor recreation. Also, walking distance to A+ rated schools! Don't miss out on this exceptional find!

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25817 N Bolero Bend Rio Verde, AZ 85263

Open House

$574,000

2 Beds

2 Baths

2,205 SqFt

Status Active

MLS # 6762128

Property Type Single Family Residence

Price Type --

Calling all investors and buyers looking for a bargain in the vibrant adult community of Rio Verde! Priced to sell and below market so you can reap the benefits of this fabulous property with tons of potential and equity! Spacious corner lot, this property offers a spacious backyard complete with a wonderful patio area & your own pool. Both bedrooms offer their own baths, while an additional flex space is perfect for an office, roomy sitting area, or home gym. The formal living and dining areas seamlessly flow into the generous kitchen, which boasts ample cabinet space and an inviting eat-in area. With a 2.5-car garage, there's plenty of room for your golf cart and extra storage. As a social member of the Rio Verde Country Club, you'll enjoy a wealth of activities; tennis, pickleball, bocce ball, and a community gym and pool. This is an excellent opportunity to create your own unique sanctuary while living the Rio Verde lifestyle!

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