Home Improvement Claymont DE

Home improvement in Claymont, DE does not come without cost. Most energy-efficient financing programs will encourage you to have an energy rating for your new or existing home, which will tell you and the lender how energy-efficient it is. A rating typically involves an inspection by a professional energy rater who is certified under a nationally or state accredited home energy rating system (HERS). Please scroll down to learn more and get access to all the related products and services in Claymont, DE listed below.

Sunset Mortgage Company Lp
(610) 494-1900
1386 Naamans Creek Rd Ste 1
Marcus Hook, PA
 
Bill Curry
1521 Concord Pike
Wilmington, DE
Company
Company: Curry Poole Group, LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
BS
MBA
JD
Years Experience
Years Experience: 42
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Portfolio Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Man

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Wilmington Savings Fd Society
(800) 792-6000
838 Market Street
Wilmington, DE
 
Homeamerican Mortgage Corp
(609) 654-9300
2 Braxton Way Ste 100
Glen Mills, PA
 
Wilmington Trust Co
(302) 651-1540
1100 North Market Street
Wilmington, DE
 
Sunset Mortgage Company Lp
(302) 762-8761
203 Blue Rock Rd
Wilmington, DE
 
American Family Mortgage Corp
(302) 888-1993
2115 Concord Pike Suite 201
Wilmington, DE
 
Lehman Brothers Bank Fsb
(302) 654-4250
1000 N West St
Wilmington, DE
 
Gilpin Financial Services Inc
(302) 656-5400
1400 N Dupont St
Wilmington, DE
 
Mortgage Network Solutions LLC
(302) 475-5508
2401 Pennsylvania Ave
Wilmington, DE
 
Data Provided by:

Home Improvement

Home Improvement Financing


Consider: Energy-Efficient Financing, Home Equity Lines of Credit, Home Equity Loans, Home Loans, and Low Rate Construction Loans.

Home Energy Rating

Most energy-efficient financing programs will encourage you to have an energy rating for your new or existing home, which will tell you and the lender how energy-efficient it is. A rating typically involves an inspection by a professional energy rater who is certified under a nationally or state accredited home energy rating system (HERS). There are several options regarding HERS, so the type of HERS used will depend on where you live. Some states even have more than one HERS.

For the most part, an energy rater will inspect the energy-related features of a home, such as insulation levels, window efficiency, heating and cooling systems, and air leakage. After the inspection, the energy rater will probably give you a report that includes the home's energy rating along with an estimation of annual energy use and costs. The report also may include recommended energy-efficient improvements, if needed, and their costs, as well as the potential annual savings and eventual payback of the improvements.

To help qualify for most energy-efficient financing, the report usually must show that the home is energy-efficient or that recommended improvements are cost-effective and will save you more money than you'd be borrowing to install them. While calculating whether a borrower qualifies for a mortgage, a lender can recognize these savings and add the cost of the improvements into the mortgage. Or, if the home is already energy-efficient, the lender can stretch the debt-to-income qualifying ratio, which is expressed as a percentage (the ratio is calculated by dividing a borrower's monthly payment obligation on long-term debts by the borrower's net effective income or gross monthly income).

The cost of a home energy rating and how it can be paid—by the borrower, the seller, the lender, the real estate agent, or financed as part of the mortgage—as well as the availability of certified energy raters, can vary from state to state and from one energy-efficient financing program to another.

Energy-Efficient Financing Programs

You can apply for energy-efficient financing through a government-insured or conventional loan program. Some states even have programs for their residents, so it's a good idea to contact your state energy office to find out if your state does.

There are two types of energy-efficient mortgages (EEMs): one for a new home and one for an existing home. With an EEM, you can purchase or refinance a home that is already energy-efficient. Or you can purchase or refinance a home that will become energy-efficient after energy saving improvements are made. Most energ...

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