Energy Efficient Mortgage

Decrease your carbon footprint without shrinking your bank account

The Lowdown on EHL's Energy Efficient Mortgage...

Energy Efficient Mortgage

EHL's Energy Efficient Mortgage

Whether you're a homeowner looking to improve your current home or are shopping for a home to purchase, you can use an EEM to make energy-efficient improvements. Changes you make to your home can improve energy efficiency and lower heating/cooling costs.


  • 5% of the appraised value for energy efficient upgrades
  • Roll upgrade costs into the mortgage
  • FHA (3.5% down) and VA ($0 down) programs available

Eligible Upgrades

  • Installing Double-pane windows
  • Replacing outdated air ducks
  • Replacing old insulation
  • Tankless water heaters
  • High Efficiency Furnace or Air Condition System
  • And More

Fine Print

  • FHA: Additional financing is the lesser of 5% of the appraised value, 115% of the median area price, or 150% of the conforming mortgage limit. 
  • Eligibility requirements, exclusions and other terms and conditions apply.


Do you have questions about our Energy Efficient Mortgage? Would you like to see if you're eligible? Fill out this short form below and we will get back to you as soon as possible!


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