Mortgage

Friday, June 02, 2006


4 Simple, Cheap Energy-Saving Tricks



Greetings From Jeremiah Phillips,
As the hot weather quickly approaches, you have been tempted, or if you are like me, we've kicked on the AC to stay cool.

To help reduce your energy bill, we've listed some quick tips to make your home more efficient.

4 Simple, Cheap Energy-Saving Tricks

If you can't swing new windows or more efficient appliances, here are inexpensive ways to save -- along with some ideas about how to turn your home into a modern wonder – and with energy prices the way they are, you need to do something.
For most homeowners, it doesn’t pay to bore holes in the walls of a drafty, 30-year-old tract home to add some insulation, and perhaps you can't really afford to replace your old air-conditioning system to save a few dollars on your monthly utility bill. But as a homeowner, there are some relatively easy moves that even the most cash-strapped homeowners can make to yield an immediate payback. And those committed to a more capital-intensive remodeling or addition should know about a few new lending programs that credit owners for anticipated future energy savings.

1. Buy a programmable thermostat.

his is especially helpful if your home is unattended during daytime hours. They cost about $30 and are relatively easy to install. We suggest setting it to turn on a half-hour before the first person gets home. The payback is usually seen in the first 30 days.

2. Upgrade your attic’s insulation.

Look at what you have in your attack now and see it is comparable to a resistance rating of R-21 to R-30.

3. Caulk over cracks around your doors and windows.

Sure sounds easy and it is! And while you are in this mode, invest in some weather stripping around an old drafty door. Did you know a quarter-inch gap at the bottom of a standard door can equal the energy loss of a 9 square inch hole in the wall!

4. Change Your lighting.

This is one of the easiest things to do. The new compact fluorescent bulbs are much more energy- efficient than standard bulbs and usually last for years instead of months. You can buy a 12 to 15 watt bulb that is comparable to a 60 watt one - and they will last from 7,000 to 15,000 hours (these bulbs generate little heat, so you're not paying for your air conditioner to remove that heat).

Because such energy-saving homeowners will have a lower utility bill, there is more cash at the end of the month – so you can afford a larger mortgage payment. A lower utility bill means you’ll have a more marketable home.

Finding the right home loan has never been easier!

As the #1 most recommended mortgage professional by local realtors, CPAs and lawyers in the southern New Jersey and Philadelphia area, we specialize in finding ways to say “yes!”

Whether you’re a new home buyer or an existing home owner, a credit superstar or credit challenged – Custom Mortgage Solutions has hundreds of home loan options.

Call today and we can discuss your loan needs at no- cost or obligation.

Sincerely,
BullFrog Mortgage – Custom Mortgage Solutions

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