Veterans Housing Guaranteed and Insured Loans (Federal)

From Open Energy Information


Last modified on February 12, 2015.

Financial Incentive Program

Place United States

Name Veterans Housing Guaranteed and Insured Loans
Incentive Type Federal Loan Program
Applicable Sector Residential, Veterans, Retired Service Personnel, Unmarried Surviving Spouses of Veterans
Eligible Technologies Equipment Insulation, Heat pumps, Caulking/Weather-stripping, Building Insulation, Windows, Doors, Roofs, Passive Solar Space Heat, Solar Water Heat, Solar Space Heat
Active Incentive No
Implementing Sector Federal
Energy Category Renewable Energy Incentive Programs, Energy Efficiency Incentive Programs
Amount Varies

Start Date 1992-10-28

Maximum Incentive 3,000-6,000 (see summary)

Terms Department of Veterans Affairs guarantees 50% of the loan

References DSIRE[1]


The Department of Veterans Affairs (VA) may guarantee or insure loans for veterans wishing to make improvements to their homes, including the installation of solar heating systems, solar heating and cooling systems, window and skylight glazing, window insulation, movable insulation panels, portions of a residential structure that serve as solar furnaces, thermal walls, floors, and roofs, caulking and weather-stripping, furnace efficiency modifications, clock thermostats, building insulation, water heater insulation, storm windows and doors, heat pumps, and other energy conservation measures.

The VA guarantees 50% for loans up to $45,000. Loans are not to exceed the cost of the energy efficiency improvements. The maximum is $3,000 but may be extended to $6,000 if the projected savings in monthly utility costs from the improvements exceed the monthly payment for principal and interest. The borrower must own and occupy the home, unless they are refinancing a loan from a previously-occupied home. Borrowers may use the loans to refinance existing loans for energy efficiency improvements.

To secure the loan, borrowers should obtain a Certificate of Eligibility from their local VA office and present it to the private lender willing to make the loan. Eligibility depends on veteran status (see website for further details). Applicants must have a sufficient income to meet loan repayment terms and must have a satisfactory credit record. Applications are processed by Veterans Benefits Administration Regional Loan Centers in the applicants’ regions. Contacts are listed in Appendix IV of the Veterans Benefit Administration Catalog.

Authorities (Please contact the if there are any file problems.)

Authority 1: 37 USC § 3710
Date Effective 1992-10-28
Date Enacted 1992-10-28

  • Incentive and policy data are reviewed and approved by the N.C. Solar Center's DSIRE project staff.[1]


  1. 1.0 1.1  "Database of State Incentives for Renewables and Efficiency (DSIRE)"