save money Archives - Rector Hayden REALTORS®

4 Tips to Slash Your Summer Energy Bills!

Heating and cooling can be the most expensive factor of your monthly utility bills, especially in the summer.

Here are some tips that will help cut your summer energy costs while still keeping your home cool.

1. Plug Up The Holes!

First, plug up holes and seal cracks around windows and doors using foam, caulking and extra insulation. Leaks and holes allow cool air to escape, so you’ll have to run your system longer to make your home comfortable.

2. Keep Your Shades or Curtains Closed

Natural light is wonderful, but the heat from the sun will also keep your home from cooling down. Keep your shades closed when you’re not using the room to prevent the sun from neutralizing the air conditioner’s efforts.

3. Change Your Air Filters Ever Month

Next, replace your air filters every month or two for optimal savings on your energy bill. If you have the reusable type, simply clean them by running them under water and air drying before placing them back inside the unit.

Bonus Tip: Consider Purchasing a Programmable Thermostat.

Consider purchasing a programmable thermostat, which is a relatively inexpensive investment. This device works on a schedule, adjusting the temperature according to your preferences, the time of day and the day of the week. By allowing the temperature to increase when you’re away, you can expect to save up to 30 percent on your energy bills annually.

Adding energy efficiency to your home is not only a smart way to start saving right now – it can also be very advantageous for you when it comes time to sell!

Check out our pinfographic on what green home buyers look for: See the Pin on Pinterest!

Here’s how homebuyers and homeowners alike can take steps to help lower their mortgage costs!

When applying for a mortgage or a refinance, there’s often a fee charged up-front by the lender to begin the process. Before applying for a loan, be sure to ask about the application fee that will be charged – and don’t hesitate to shop around to compare these fees (important: also ask if the lender will refund this fee if the loan is not approved). TIP: Rector Hayden Mortgage does NOT charge an application fee!

It is always a good idea to compare rates and fees from potential lenders when buying or refinancing. Lenders offer different fees and can also offer different rates, depending on a variety of factors. TIP: Rector Hayden Mortgage offers rates and fees that are often the LOWEST to be found!

When buying or refinancing, your credit score and history will be important to lenders, so keeping track of your financial situation in the months leading up to applying for a loan or refinance is crucial.

Rector Hayden Realtors’ affiliated lender, Rector Hayden Mortgage, provides a vast menu of mortgage programs and products. Get started today! Click here for more about Rector-Hayden Mortgage. One of the best benefits of working with a Rector Hayden REALTOR® is having access to our in-house Lending Company, Rector Hayden Mortgage! Aaron Mason, our chief Mortgage Loan Officer, is on hand 5 days a week to answer any questions about the loan process. Aaron assists our agents and their clients in finding competitive rates and unique loan options that are CUSTOM FIT for your situation.