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

FHA Loan Hub: Explore All FHA Loan Programs

Comprehensive FHA loan resources organized by topic. Navigate through our complete collection of FHA loan programs and guides.

FHA Purchase Loans

Buy your home with just 3.5% down payment and flexible credit requirements.

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FHA Streamline Refinance

Refinance your existing FHA loan with minimal paperwork and no appraisal required.

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FHA 203(k) Renovation Loans

Finance both home purchase and renovation costs in a single FHA loan.

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FHA Energy Efficient Mortgage

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Fund energy-saving home improvements with your FHA loan financing.

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FHA Loan Limits

Explore FHA loan limits by county and understand maximum borrowing amounts.

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FHA Loan Calculator

Estimate your monthly payments, MIP costs, and total loan costs with our FHA calculator.

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All FHA loan programs are government-backed mortgages designed for first-time homebuyers and borrowers with lower credit scores.

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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.

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(855) 699-1424

Business Hours

Monday - Friday: 8:00 AM - 5:00 PM

Explore All FHA Loan Programs

Browse our complete collection of FHA loan options