Energy Upgrades & IRRRLs: VA Expert Guide for January 2026

Energy Efficient Improvements: Extra IRRRL Benefits You Should Know

January 2026

As we enter the new year, many veterans are exploring ways to reduce their energy costs while also taking advantage of VA loan benefits. What most veterans don't realize is that the VA Interest Rate Reduction Refinance Loan (IRRRL) program offers special provisions for energy efficiency improvements that can significantly enhance your refinance.

The Energy Efficient Mortgage (EEM) Add-On

In my experience with VA lending, I've found that many veterans miss out on this valuable opportunity. The VA allows qualified borrowers to include up to $6,000 in energy efficiency improvements as part of their IRRRL—without requiring an additional appraisal in most cases.

Here's the insider knowledge I share with my clients: these improvements pay for themselves over time through reduced utility bills, while simultaneously increasing your home's value.

Eligible Improvements

The key concept to understand is what qualifies as an "energy efficient improvement." These typically include:

- Solar panels or solar water heaters - Improved insulation - Energy-efficient windows and doors - High-efficiency HVAC systems - Weatherization measures - Smart home energy management systems

After years in VA lending, I've learned that the most effective improvements are those that address your specific home's energy weaknesses. A simple energy audit (often available for free through local utilities) can identify where you'll get the most bang for your buck.

The Automated Advantage

Veterans often ask me about the process complexity—they worry that adding energy improvements will complicate their refinance. This is precisely why I created EZ-IRRRL. Our automated system streamlines the entire process, including energy improvement documentation, eliminating the paperwork headaches and delays that plague traditional lenders.

What sets our approach apart is that we've eliminated origination costs while maintaining the human expertise needed to properly guide veterans through the energy improvement options. Our automation eliminates human errors while preserving the personal touch where it matters most: strategic advice.

Financial Benefits

The financial advantages are twofold. First, you'll secure meaningful rate improvements through your IRRRL. Second, you'll reduce monthly utility expenses—creating substantial monthly payment reductions when combined.

I created EZ-IRRRL because I saw too many veterans paying unnecessary fees while missing out on benefits like energy improvement options. Unlike traditional refinances, an IRRRL with energy improvements requires NO income verification, NO debt-to-income requirements, and in most cases, NO traditional appraisal.

If you're considering an IRRRL in 2026, don't overlook this opportunity to improve your home's efficiency, comfort, and value while securing better loan terms.

This is not an offer to lend. Rates subject to change. Get an official Loan Estimate before choosing a loan. EZ-IRRRL is not affiliated with the U.S. Government.