Home Improvement Claymont DE
Marcus Hook, PA
Glen Mills, PA
Company: Curry Poole Group, LLC
Investment Advisor Rep: Yes
Registered Investor: Yes
Years Experience: 42
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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...
Philadelphia Flower Show 2018
Dates: 3/4/2018 – 3/11/2018
Pennsylvania Convention Center Philadelphia
1101 Arch Street
The Philadelphia Flower Show, internationally recognized as one of the nation's premiere events as well as the oldest and largest indoor show of its kind, is produced by the Pennsylvania Horticultural Society. PHS has more than 15,000 members throughout the country, offers hundreds of educational programs year-round, and is considered the nationâ�TMs leading authority on urban renewal through greening. PHS's acclaimed Philadelphia Green program restores neighborhood parks, creates community gardens, conducts large scale tree plantings, revitalizes vacant land, engages thousands of citizens in community development activities and maintains treasured public landscapes. Its greening efforts are modeled in many cities across the country.Not sure if you want to exhibit at or attend the Philadelphia Flower Show 2018? See the panels below to get the information you need to make an informed decision.All information in Events In America is deemed to be accurate at the time we add it,and we take steps to verify all details and update our records when new information is provided, but as people, events and circumstances change, we caution users to independently confirm all information. EventsInAmerica.com and Events In America LLC make no guarantee of accuracy and assume no liability for inaccurate information.