Cosan Mortgage Lender

VA Mortgage Lenders


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VA Mortgage lenders know that VA home loans are guaranteed loans. There is nothing better than a Veteran's Administration home loan guarantee and a qualified applicant.

Here is a brief overview of the EEM program's requirements:

  • Energy-efficient modifications that cost up to $3,000 — this is almost always offset by monthly utility cost savings.
  • Energy-efficient modifications that cost between $3,000 and $6,000 — verify that monthly utility savings cover the cost of the mortgage increase (they usually do).
  • Energy-efficient modifications over $6,000 — valuation for a "post-repair" home supports the mortgage increase in the official Notice of Value.
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