January 8th, 2010 by

I love my house, but spending winter in it was an act that required many blankets on the beds, and extra pairs of socks and a couple of sweaters on all the time when walking around the house. My husband had tried fixing the heater once, but I guess that’s why it never worked again.

When a friend came over to visit, she told me of VA Loan through chattering teeth. Since my husband was in the US Army service, we could apply and even get a loan that would enable us to get the heater up and working.

While browsing the VA Loan website, I almost cried with joy when I found out about the VA energy efficiency mortgage (EEM), which allowed us to borrow an additional $6,000 for energy improvements had we gone through with any purchase and refinance transactions.

As long as we keep our energy cost low, we could use that money to repair our heater. This was going to be easy because I had had enough practice in maintaining low utility bills, so I signed the VA Loan papers quickly and now enjoy plenty of warmth while it snows outside.