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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10260 E White Feather Lane Unit 2039 Scottsdale, AZ 85262

$559,000

2 Beds

2 Baths

1,381 SqFt

Status Active

MLS # 6786921

Property Type Apartment

Price Type --

Resort Style Living! Stunning, Pristine & Move in Ready! Highly upgraded condo featuring Bosch appliances, quartz countertops, white shaker cabinets & plank tile wood flooring! Beautiful floor to ceiling custom stack stone fireplace w/ distressed wood mantle! Designer shower surrounds! Custom Shiplap wall in dining area! Gourmet Kitchen w/ gas cooking and new tile herringbone backsplash & under cabinet lighting! Like new & lightly lived in! Enjoy covered Patio w/ Mountain, City & Natural Desert Views. Prestigious Ridge at Troon North Community features a Heated Pool & SPA & Fitness Center! Minutes to more world class golf, shopping & entertainment! Conveniently located close to hiking & biking trails. Walking distance to Troon North Golf Club. Welcome Home!

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20629 N Danielle Avenue Maricopa, AZ 85138

New

$559,000

3 Beds

2 Baths

2,595 SqFt

Status Active Under Contract

MLS # 6787610

Property Type Single Family Residence

Price Type --

Welcome home! This beautiful 3 bed, 2 bath residence in Homestead North is the one for you! Charming curb appeal, a no-fuss front yard, a 2 car garage w/built-in cabinets, and an electric RV gate are just the beginning. Discover a spacious great room w/high ceilings, elegant wood-look flooring, and warm palette throughout. Hone your cooking skills in this gorgeous kitchen, comprised of wood cabinetry w/crown molding, a pantry, granite counters, tile backsplash, stainless steel appliances, and an island complete w/a breakfast bar. The primary bedroom boasts a walk-in closet and a private ensuite w/dual sinks & designer touches. Double doors open up to a cozy den, ideal for an office! New 16 seer heat pump perfectly sized for your energy efficient warmth and cooling. Upgrades galore!! Lastly, the resort-like backyard includes a covered patio, extended seating area, a lovely gazebo w/a built-in BBQ, artificial turf, and a separate guest house w/an additional garage space! Fully paved RV parking with electric gate. What are you waiting for? Act NOW!

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6560 N Loma Court Casa Grande, AZ 85194

$559,000

3 Beds

2 Baths

2,032 SqFt

Status Active

MLS # 6785782

Property Type Single Family Residence

Price Type --

Welcome to this beautiful brand new 3-bedroom, 2-bath home in Chaparral Estates! 2,032 sq. ft. on approximately half an acre, this property includes a spacious 3-car garage and is set in a quiet cul-de-sac with stunning mountain views. Kitchen: Quartz countertops, large entertainment island, white cabinetry with nickel hardware, and stainless steel appliances. Tile plank flooring runs thru high traffic areas & carpeted bedrooms. Primary Suite: Features a ceiling fan, double vanity, and a relaxing garden tub. Hall Bath: Includes double sinks for added convenience. Exterior painted with stylish gray tones with an all-tile roof for durability. A low HOA allows flexibility for storing boats, RVs & Toys, ready for immediate occupancy.

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8884 E Arizona Park Place Scottsdale, AZ 85260

$559,000

2 Beds

2 Baths

1,446 SqFt

Status Active

MLS # 6785528

Property Type Single Family Residence

Price Type --

Charming and Well-Kept 2-Bedroom + Den in a Prime Location! Welcome to 8884 E Arizona Park Pl, a delightful home full of potential! This 2-bedroom, 2-bathroom residence, complete with a versatile den, offers 1,446 sq ft of comfortable living space. Thoughtfully designed, the home features a welcoming layout that is both functional and inviting. The well-kept kitchen and living areas are ideal for entertaining or everyday living, while the primary suite provides a peaceful retreat with a private bath. The backyard is low-maintenance and ready for your personal touch—perfect for enjoying Arizona evenings. Located in a desirable neighborhood close to Scottsdale Quarter, TPC etc... this charming property is ready to welcome its next owner.

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9969 W Via Del Sol -- Peoria, AZ 85383

$559,000

3 Beds

2 Baths

1,898 SqFt

Status Active

MLS # 6736412

Property Type Single Family Residence

Price Type --

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2801 N 10th Street Phoenix, AZ 85006

$559,000

3 Beds

2 Baths

1,100 SqFt

Status Active

MLS # 6670011

Property Type Single Family Residence

Price Type --

HUGE PRICE REDUCTION! Absolutely a Historic Value!!! This fabulous Bungalow is nestled within the sought-after Historic Community of Country Club Park, this immaculate home awaits you! Step into a space where brand new LV flooring graces every corner, complemented by fresh interior and exterior paint. Enjoy the elegance of Onyx countertops, stainless steel appliances, and bespoke cabinets. With three generous bedrooms, two baths, and a sprawling yard complete with patio and a two-car garage, this residence offers ample space for comfort and relaxation. Conveniently located near top-notch restaurants, recreational activities, major highways, and the airport, it promises a lifestyle of ease and convenience.

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25413 W Pueblo Avenue Buckeye, AZ 85326

$559,000

3 Beds

2 Baths

1,747 SqFt

Status Active

MLS # 6697259

Property Type Single Family Residence

Price Type --

Discover comfort and opportunity with this charming 3 bed, 2 bath home in Northwood Park. On a spacious 1-acre lot, this property offers endless possibilities for building a pool, keeping horses, and storing all your toys and RVs. The cozy dining and living area features wood-look tile flooring, high ceilings, and a neutral palette. The practical kitchen provides ample cabinet and counter space, a pantry, and stainless steel appliances. Unwind in the comfortable primary bedroom with soft carpet, a bay window, a walk-in closet, and a private ensuite with dual sinks. The expansive backyard has irrigation rights, to ensure a reliable source of water for landscaping, gardening, and any agricultural activities, even in dry seasons.

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10223 W Raymond Street Tolleson, AZ 85353

$559,000

9 Beds

3 Baths

3,420 SqFt

Status Active

MLS # 6784133

Property Type Single Family Residence

Price Type --

HOUSE WAS COMPLETELY REMODELED IN NOVEMBER 2023 AND SHOULD BE LARGELY MAINTENANCE FREE FOR THE NEAR FUTURE. IT IS CURRENTLY CONFIGURED AS A 9 BED 3 BATH SO ITS PERFECT. IT COULD EASILY BE MODIFIED BACK TO 7 BEDROOMS IF THAT IS THE INTEREST OF THE BUYER, WHICH WOULD RESTORE THE DINING ROOM. GREAT DEAL FOR LARGE GROUPS.

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1408 W 7th Street Tempe, AZ 85281

$559,000

4 Beds

3 Baths

1,755 SqFt

Status Active

MLS # 6717564

Property Type Single Family Residence

Price Type --

Welcome to your beautiful Tempe Oasis! This stunning home minutes from ASU offers modern ambiance with lots of natural light. The functional layout boasts 4 bedrooms and 3 bathrooms perfect for a growing family or investment property! Currently a profitable Airbnb. Luxury wood floors throughout. Can use the 5th room as an office or separate living area if desired (there is a locking door that leads to the exterior). The true highlight is the resort-style backyard which is perfect for entertaining or enjoying the Arizona sunshine! New artificial turf, mini-split A/C units and NEST thermostats installed in 2022. Conveniently located near Mill Avenue, Sky Harbor Airport (3 miles) & a short drive to South Mountain Preserve, this home offers the perfect blend of tranquility and accessibility!

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9818 W Pontiac Drive Peoria, AZ 85382

$559,000

4 Beds

2.5 Baths

2,045 SqFt

Status Active

MLS # 6730793

Property Type Single Family Residence

Price Type --

Beautiful home in stunning northern Peoria checks ALL the boxes! Completely REMODELED and offering an incredible open and bright floorplan with vaulted ceilings featuring 4 bedrooms, 2 1/2 baths and 2045 square feet to enjoy. Stunning open-concept chef's island kitchen with shaker-style soft close designer cabinets with gorgeous quartz counters, upgraded high-end stainless-steel appliances including a NEW smooth-gas cook top, double wall oven, refrigerator and dishwasher. Custom interior paint, new flooring, newer water heater & A/C. Incredible private pool newly treated and with new sand filter pump 2024.This remarkable neighborhood location provides convenient access to Parkridge dog and children's parks, mountain preserves, outstanding schools, and easy freeway access!

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13215 N 30th Place Phoenix, AZ 85032

$559,000

3 Beds

2 Baths

2,017 SqFt

Status Active

MLS # 6741305

Property Type Single Family Residence

Price Type --

Beautiful updated single level with diving pool is ready for a new owner. Nice open floorplan with formal living room, formal dining room, large great room with wood burning fireplace and a chefs delight for a kitchen. Newer rich wood grain cabinets, granite counters, center island,self closing drawers, and stainless appliances. The primary suite features remodeled bath and separate entrance to the pool out back. good size bedrooms- *3rd bedroom was designed to be two separate bedrooms, so double the size. AC was replaced in 2016, and a complete new roof (tear-off and extra sheathing) in July of 2024, newer double pane windows with blinds. Great location to Hwy 51/101 and shops/theaters close by.

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8016 E Medina Avenue Mesa, AZ 85209

$559,000

3 Beds

2 Baths

2,172 SqFt

Status Active

MLS # 6750548

Property Type Single Family Residence

Price Type --

You'll appreciate the central location of this 3-bedroom golf course home in the amenity-packed community of SVE, convenient to the restaurant, pool complexes, workout facilities, golf course and all Clubs/amenities. This well-taken care of home is ready to move in, so you don't delay the upcoming season of fun. There are many features unique to this home including a 9' x 8' bonus room in double garage to park your golf cart or motorcycle or utilize for extra storage or workshop as well as the electronic security shutters that enclose the covered back patio. With over 2,100 sq. ft., this floorplan provides two additional bedrooms creating ample space for visitors. Other features include a vaulted living room, family room with views to the golf course, and a formal dining room that could be converted to an office, craft or sewing room. Enjoy your morning coffee on the covered patio watching golfers attempt a birdie putt on Hole No. 7 with the Superstition Mountains in the background. Enter the home from the expanded south-facing front patio and your eyes will go right to the view of the golf course. You'll notice the abundant amount of light in the tiled kitchen coming from the sliding glass door in the dine-in area, with the kitchen providing beautiful cabinets with pull-out shelves. The large family room creates that extra space for entertaining as it includes a wet bar as well as access to the golf course patio. A primary bedroom allows the south sun to brighten the room and provides a private bathroom and walk in closet. The guest bathroom with tub/shower combo is centrally located between the second and third bedroom. The guest bedroom with north-window overlooking golf course is an expanded bedroom with his/her closets. If you didn't need a third bedroom, you could use the extra space for an office, sewing room or craft/hobby room. The garage features built in cabinets, a work bench, an exterior service door, and the bonus room. Sunland Village East is a community that provides an amenity for everyone's interests while still maintaining low annual HOA fees.

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