What is an Energy-Efficient Mortgage (EEM)?

An FHA/VA (and some conventional) feature that lets cost-effective energy improvements be financed into the mortgage after a qualified energy assessment — raising the effective purchase/rehab budget for efficiency upgrades.

Do solar panels automatically qualify as EEM?

Not automatically. Improvements must meet program cost-effectiveness tests. Leased solar and PACE liens create separate underwriting issues we review early.

Conventional & Government

Specialty

Energy-Efficient Mortgage (EEM)

Name: Elite Fundings — California Mortgage Team
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (626) 833-7449
Price range: $$

FHA or conventional mortgage enhanced to finance energy-efficiency improvements.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

Apply for this program (626) 833-7449

Ideal borrower

Buyers including solar, HVAC, or insulation upgrades.

Program highlights

Add cost of improvements to loan
Based on projected energy savings

Typical uses

Solar installation financing
HVAC/insulation upgrades

Frequently asked questions

What is an Energy-Efficient Mortgage (EEM)?: An FHA/VA (and some conventional) feature that lets cost-effective energy improvements be financed into the mortgage after a qualified energy assessment — raising the effective purchase/rehab budget for efficiency upgrades.
Do solar panels automatically qualify as EEM?: Not automatically. Improvements must meet program cost-effectiveness tests. Leased solar and PACE liens create separate underwriting issues we review early.

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.