Energy Efficient Mortgages (EEM)


THE ENERGY EFFICIENT MORTGAGE means comfort and savings. When you are buying, selling, refinancing, or remodeling your home, you can increase your comfort and actually save money by using the Energy Efficient Mortgage (EEM). It is easy to use, federally recognized, and can be applied to most home mortgages. EEMs provide the borrower with special benefits when purchasing a home that is energy efficient, or can be made efficient through the installation of energy-saving improvements.


Home owners with lower utility bills have more money in their pocket each month. They can afford to allocate a larger portion of their income to housing expenses. If you have more cash, why not buy a better, more comfortable home? There are two options with the Energy Efficient Mortgage.

The Two Sides of the EEM Coin


Finance Energy Improvements!


  1. BulletCost-effective energy-saving measures may be financed as part of the mortgage!

  2. BulletMake an older, less efficient home more comfortable and affordable!


Increase Your Buying Power!


  1. BulletStretch debt-to-income qualifying ratios on loans for energy-efficient homes.

  2. BulletQualify for a larger loan amount! Buy a better, more energy efficient home!

There Are Two Types of EEM’s:


  1. BulletImprovement Mortgage - Finances the energy upgrades of an existing home in the mortgage loan using monthly energy savings.


  1. BulletEnergy Efficient Mortgage - Uses the energy savings from a new energy efficient home to increase the home buying power of consumers and capitalizes the energy savings in the appraisal.

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