FHA Energy Efficient Mortgage (EEM)

Federal Housing Administration

Available Energy Assistance

About This Program

FHA Energy Efficient Mortgage (EEM) is available to homeowners in Mesa, AZ.

Allows Mesa homebuyers and refinancing homeowners to finance cost-effective energy improvements into their FHA mortgage without increasing the down payment requirement.

Additional loan amount for energy improvements based on home value

Official program page checked live on 2026-06-22.

Data last verified 2026-05-25. How we verify our data.

This is a national program. In Mesa, AZ, you can stack it with local programs like these:

Key Details

  • Finance energy improvements into mortgage
  • Up to 5% of property value
  • No increase in down payment required
  • Must use FHA-approved lender
  • Energy audit required

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 225-5342

A grant-savvy contractor in Mesa, AZ can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Mesa early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Available through FHA-approved lenders

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can FHA Energy Efficient Mortgage (EEM) provide in Mesa, AZ?

Up to 5% of property value.

Who qualifies for FHA Energy Efficient Mortgage (EEM) in Mesa?

FHA Energy Efficient Mortgage (EEM) is open to homeowners in Mesa, AZ.

How do I apply for FHA Energy Efficient Mortgage (EEM) in Mesa, AZ?

Apply directly with Federal Housing Administration using the official program link on this page or call (800) 225-5342. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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Find More Programs in Mesa, AZ

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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