"Energy Efficient Mortgages," also known as EEMs, make it easier for borrowers to qualify for loans to purchase homes with specific energy-efficiency improvements. The concept is founded on the premise that energy-efficient homes cost less to own than non-efficient homes. Consider this example: Lenders can offer conventional EEMs, FHA EEMs, or VA EEMs.

Conventional EEMs: Lenders who sell their loans to Fannie Mae and Freddie Mac may offer conventional EEMs. They increase the purchasing power of buying an energy-efficient home by allowing the lender to increase the borrower's income by a dollar amount equal to the estimated energy savings. The Fannie Mae loan also adjusts the value of the ...

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