FHA Energy Efficient Mortgage
Finance energy-saving improvements with your FHA loan
What is an FHA Energy Efficient Mortgage?
An FHA Energy Efficient Mortgage (EEM) allows homebuyers to finance energy-efficient improvements as part of their FHA loan. This program helps reduce utility bills while increasing home comfort and value.
Energy Improvements
Finance up to $8,000 in energy-efficient upgrades
Cost Savings
Lower monthly utility bills offset increased payments
Simple Process
One loan covers both purchase and improvements
Key Benefits
- No additional down payment required
- Energy savings offset mortgage costs
- Improved home comfort and value
- Environmentally friendly improvements
- Can be combined with other FHA programs
- Available for purchase or refinance
Eligible Energy Improvements
Energy Systems
Major energy system improvements that increase efficiency and reduce costs.
Eligible Projects:
- Solar panels and systems
- High-efficiency HVAC systems
- Energy-efficient water heaters
- Smart thermostats
- Energy-efficient appliances
- LED lighting systems
Building Envelope
Improvements that enhance the building's thermal performance and efficiency.
Eligible Projects:
- Insulation improvements
- Energy-efficient windows
- Weather stripping
- Air sealing
- Cool roofing systems
- Energy-efficient doors
The EEM Process
Initial Assessment
- Home energy assessment
- Identify improvements
- Cost analysis
- Energy savings estimate
Loan Process
- Standard FHA qualification
- Energy report review
- Contractor bids
- Cost-effectiveness review
Implementation
- Improvement installation
- Energy inspection
- Final certification
- Project completion
Ready to Go Green?
Our energy efficiency experts are here to help you create a more sustainable home.
Call Us
(855) 699-1424
Business Hours
Monday - Friday: 8:00 AM - 5:00 PM