An Energy Efficient Mortgage (EEM) has been a very popular product and one thousands of veterans take advantage of each year. There are numerous ways home buyers and current home owners can take advantage of this type of VA Loan. As their name suggests, EEMs are used soley with energy-efficient homes. However, many borrowers don't realize they can get an EEM to buy a new home in addition to the standard VA refinance to make energy-efficient improvements to a residence. The exciting benefit, of course, is it will absolutely save money in the long run by cutting your monthly utility costs. Additionally, homebuyers and home owners can increase their homes' marketability with such improvements. Saving money on utilities each month creates a productive cycle where borrowers save money that they can put toward their mortgage or other bills.