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Metal Roof vs. Asphalt Shingle Roof

Tuesday, November 24th, 2020

At Homeowner Funding, we make it our business to be experts in the home improvement industry. After all, we are more than just the company that provides remodeling financing to customers throughout the Northeastern United States. We are also the installers who know how to do it all.

When it comes to roofing, everybody knows you can’t skimp. Roofing is too important to go cheap with materials or labor. The wrong kind of roofing will allow gaps to form and rain to come pouring inside your home.

Many customers who come to us seeking roof funding ask us which material is best. You certainly have options to consider on the type of roofing you get.

We are comparing a metal roof to an asphalt shingle roof in this post. You probably have heard things about each, maybe about the durability of metal or the affordability of asphalt shingles.

We are going to set the record straight here by showing you how, when you’re looking to get a new roof on your house, asphalt shingles win out every time.

The Cost

Pretty much everything you can buy has different levels and price points. The same applies to roofing.

You can roof your house with anything you want, but when it comes to metal vs. asphalt shingle roofs, shingles win from a pricing perspective.

Metal roofs tend to be about three times as expensive as asphalt shingles. Consider the fact that shingle roofs can cost several thousand dollars, and then triple that for metal. In that case, metal roofs suddenly seem out of reach and unnecessary for the average homeowner.

In the interest of explaining things as comprehensively as we can, you should know that homeowners do get something back for the cost of a metal roof. In this case, that is longevity, as metal roofs are estimated to last between 40 and 70 years based on the metal type and proper installation (more on that later).

Compare that to shingle roofs, which last between 20 and 25 years. However, we still fully support asphalt shingles at Homeowner Funding because we know that most homeowners today would not remain in their current homes long enough to reap the 40-to-70-year benefits of metal roofs. That makes the cost simply not worth it.

Color Fading

This one is a no-brainer. Roofing fades over time due to the sun and the UV rays it produces. This fact applies to shingles and metal.

You can attempt to slow the faded look of your roof by choosing lighter colors for the materials, but the truth is this: dark metal fades quite easily over time. Metal roofing materials are dyed with colors that simply can’t last against the power of the sun. For instance, a navy blue roof will look quite different in five to ten years.

When you pick out lighter-colored shingles for your roof, you can delay the inevitable fading process by a long time while also saving a lot of money. It just makes more sense.

The Construction

When it comes to assembling your roofing, shingles come out on top by sheer simplicity and effectiveness. Shingles are laid down in straight lines, and the excess is cut off when the roofer reaches the edge of the house. Shingles are a much more precise method of roofing for this reason.

Metal roofing comes in seams that have to be screwed and fastened together. Therefore, the chances of exposing an opening are greater and make a leak more likely. Furthermore, over time, the sun’s UV rays can affect the roof’s washers and screws. This can wear down any existing openings and eventually create a hole.

The problem is compounded by the fact that metal expands and contracts over time, particularly with ice and water. This fluctuation further exposes those seams and gaps in the roof.

None of this is an issue with asphalt shingle roofs.

Labor Pool

Because asphalt shingle roofs are much more common on houses today, you will find the labor pool for installing them is much larger than it is for metal roofs. Any roofers worth their weight will know how to select and install shingles on your roof.

This is not so with metal roofs. The margin of error is quite high, since it is so difficult to find a true expert in metal roof installation. You will likely find many roofers who claim to be knowledgeable in metal roofing but who actually install the pieces incorrectly.

With a roof, you want peace of mind, knowing that your home is protected from the elements. Shingle roofs are popular for a reason.

Installation Time

Finally, we come to installation time. Whereas shingle roofs take just a few days to install, metal roofs can take up to a few weeks.

Not only does this extend the inconvenience for you, the homeowner, but it also leaves your home exposed to the elements for much longer.

Asphalt shingles are a tried-and-true roofing material, and roofing contractors everywhere should know how to install them. You can speed up the process by going with shingles every time.
We hope you’ve learned a bit from this listicle on metal roofs vs. asphalt shingle roofs. Shingles are what we install when customers come to us looking for roof funding. They’re reliable, affordable, and don’t take too long to install. They’re a win all around.

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4 Ways to Boost Your Credit Score Fast

Tuesday, September 15th, 2020

Everybody wants a good credit score. After all, a strong number on your credit report is essentially the key to unlocking all kinds of financial products and options that can benefit you in the long run. Credit cards, substantial loans, and low interest rates could all be yours if you can just get that credit number in the 700 range.

Unfortunately, life circumstances sometimes take over, and money gets tight. Before you know it, you could find yourself buried under a mountain of debt and a credit score that wouldn’t get you the time of day.

Improving your credit score generally takes some time–say, several months. However, there are ways to boost your credit score fast. These are common-sense solutions, and if you follow them, your credit score can begin to rise. That means you will qualify for all kinds of new loans. You may even start looking into how home improvement loans work.

Check out these four ways to kickstart a stagnant credit score when you’re in a pinch.

1. Pay Down Current Debts

If you’re the type of person who keeps your debts revolving from month to month, then take steps to pay off those debts as soon as you can. Aside from saving yourself on all that interest, eliminating the debt will instantly decrease your credit usage. To creditors, that’s a sign of a fiscally responsible person. Some finance experts recommend using no more than 30% of your available credit in a given month. The less credit you use, the better off your credit score is likely to be.

2. Pay Your Monthly Bills on Time

Now, it’s worth it to mention that utility companies generally do not report your payments or non-payments to credit bureaus. If that’s the case, you might wonder, then why would someone recommend paying these monthly bills on time?

It’s because utility bills naturally provide one of the best ways to build credit fast. If you use a credit card to pay your utilities, you will probably accumulate a few hundred dollars a month in those bills alone.

Put it in your calendar, or write yourself notes, to pay off those utility payments from your credit card bill on time every month. The recurring nature of those payments guarantees you a monthly outlet to pay down debt. This is an easy way to boost your credit score fast.

3. Increase Your Credit Limit

If you’re able, you can also boost your credit score by raising your credit limits. With more credit available to you, any debt you currently have will suddenly equal a smaller percentage of your total. Of course, the trick here is not to grow that debt just because you can borrow more. That would wind you back up in the same predicament.

There are two main ways to increase your credit limit. You can request a credit increase from the institution where you hold your credit cards. Some banks do this automatically every so often, but asking directly for an increase expedites that process.

The other way to increase your credit limit is to open a new credit card. Doing that instantly expands your total credit allowances. Managing the extra card responsibly shows creditors that you can handle the temptation of additional credit.

All of this is good for your credit score.

4. Correct Credit Report Errors

The last of our recommended ways to boost your credit score fast is to check over your credit reports for errors and correct them as soon as possible. If you didn’t think it was possible for mistakes to exist on those ever-so official documents known as credit reports, think again. Errors are present in about 25% of credit reports in the United States. Those errors could seriously bring down your credit score, and unfairly so.

If you find such an anomaly in your report, dispute it with the credit bureau. The sooner you correct the mistakes, the faster you can raise your credit score and get on with your life.

Simplify Improving Your Credit Score

Our main point in this post is to impart to you that it doesn’t have to take you years to rebuild a low credit score. You can take these four simple steps right now to start down the right path, that of producing and maintaining a healthy credit score.

Don’t forget, once you build up that number again, you can start looking into all kinds of new financing options for yourself. From researching how home improvement loans work, to getting a mortgage, to securing a car loan, a robust credit score is good news all around.

The Beginner’s Guide to Credit Scores

Tuesday, September 15th, 2020

It doesn’t matter if you’re a teenager getting your first credit card or an adult looking to buy your first house: most people could probably use some education on credit scores. You’ve probably heard how important it is to build and maintain good credit throughout your life. A strong credit score can allow you to get a mortgage and take out a car loan.

With that said, Homeowner Funding has prepared this beginner’s guide to credit scores to assist anyone looking to boost their credit standing and get ahead in life. We’ll cover what determines a credit score, provide a credit score breakdown, and describe the effects of a good and bad credit score. We will also list some ways you can improve your existing score.

Healthy credit is the key to many good things, from securing low interest rates to qualifying for vinyl siding funding. Let’s dive into the facts.

What Determines Your Credit Score?

Credit bureaus use various models to calculate a person’s credit score. Those bureaus typically do not share which model they use, although the most common ones are the FICO score or VantageScore.

The exact nuances of each are probably of little interest to the average consumer. However, to give you an idea of what goes into your credit score, here is an overview of the elements that factor into an individual’s FICO score:

  • Credit card repayment history
  • Credit utilization rate, or your current debts compared to your credit limit
  • How long you have held your current credit
  • Frequency of new credit applications, as in, how often you open new credit cards
  • The diversity of your existing debts, such as a balance between a mortgage, car loan, and monthly credit allowances

You can learn a lot even from this bird’s-eye view of the matter. Credit scores really come down to this: the less financial risk you seem to pose to your lenders, the more options will be open to you when you need a loan.

Credit Score Breakdown

FICO scores and VantageScores are calculated slightly differently. To make it easy, however, the three-digit numbers are broken down into categories indicating the strength of that credit score range.

The credit score breakdown for FICO read like this:

  • 300-579: Very poor
  • 580-669: Fair
  • 670-739: Good
  • 740-799: Very Good
  • 800-850: Exceptional

Meanwhile, the VantageScore credit ranges run this way:

  • 300-499: Very Poor
  • 500-600: Poor
  • 601-660: Fair
  • 661-780: Good
  • 781-850: Excellent

How Your Credit Score Affects Your Life

You can see from the breakdowns above that the higher your credit score, the better off you will be when applying for credit and other financing. Conversely, a low score will make that aspect of life more difficult for you. Let’s see how it works.

Benefits of a High Credit Score

A high credit score–say, one between 740 and 850 in the FICO range–will allow you to get approved for virtually any kind of credit you want. You should have no trouble getting credit cards, a car loan, or a mortgage, and at the lower end of interest rates, too!

In some cases, like getting a mortgage for a house purchase, your credit could be the deciding factor in whether you can proceed. Pose too much of a risk to a potential lender, and you’ll get passed up. That could seriously foil your life plan of buying a house and settling down.

So, always work on keeping your credit score high and healthy.

Disadvantages of a Low Credit Score

On the other hand, if your FICO score is anywhere from 300 to 669, you may struggle to get approved for credit cards or major loans. That means you could be rejected for car loans and mortgages, two of the largest types of loans a person will generally take out in life.

You can see how having bad credit can frustrate your efforts to get ahead. If your current car is on its last legs, and you badly need a replacement, you would have to come up with cash to pay for it. Mortgage lenders will also probably avoid giving you a loan, meaning you might be unable to buy a house with anything other than cash (an unrealistic expectation for most people).

The other major disadvantage to keep in mind here is that, if a lender does approve you for a loan, the terms will not be favorable to you. That means your interest rates would be higher than for someone with good credit. You may also have to pay annual fees for the life of the loan, whereas someone with a high credit score might not have to pay any fee at all.

Improving Your Credit Score

It is never too late to start improving your credit score. Doing so can open all kinds of doors to the future you want to make for yourself and your family. We have written about the ways to boost your credit score fast.

Here are a few methods:

  • Start paying your bills on time – pay off your credit card bills in full every month. This shows you are responsible with your credit.
  • Lower your credit utilization rate – one way to pay off those bills on time is simply to spend less if you can help it. Eliminate unnecessary purchases so you can ultimately use less of your available credit each month. Reducing that percentage over time will help raise your score.
  • Correct credit report errors – your credit reports, which explain your credit history in greater detail than a score does, may contain errors that artificially lower your score. Check over your reports and ensure the credit bureau that produced it fixes any mistakes.
  • Get a credit card now if you have no credit history – having no credit history can hurt you, too. The longer you hold credit, the higher your score will tend to be. Make small, responsible purchases with your new card every month, and you can start building credit.

Credit Scores Matter in Many Ways

As you can tell, good credit scores are necessary to get a lot done in life. They are also a large part of how Homeowner Funding does business.

In explaining to our customers how home improvement loans work, we remind people that good credit is often necessary to qualify for such a loan, or at least for a favorable one. Low credit scores could wind you up with a low loan amount, high interest rates, or no loan at all. This all comes back to the point we made above: bad credit can stop your life in its tracks. Good credit is the key to opportunity.

We hope you have learned from this beginner’s guide to credit scores. Building good credit isn’t rocket science, but it also doesn’t take much to ruin a good score with bad spending habits. Stay conservative with your credit, and all kinds of exciting options will become available, from financing your home improvement projects to buying that first house.

Finding Home Loans With Bad Credit (Yes, You Can)

Tuesday, September 15th, 2020

Most home improvement projects are extremely expensive, so few people can pay for this out of pocket. If you’re planning your first large home renovation project, you might be wondering how to pay for home improvements. To afford home repairs, most people turn to home improvement loans. These loans are specifically meant for homeowners to get access to funding that can help them tackle their home improvements. You can spend the money how you need to, and then pay it off later.

While home improvement loans can make completing your home improvements possible, you do need to consider your credit score. Many require you to have a high credit score, but finding home loans with bad credit is possible.

Here are a few ways to get a home loan with bad credit. 

Government Home Improvement Loans 

Many people who are looking for home improvement loans look at what’s offered by private lenders. However, private lenders aren’t your only option, especially if you have a low credit score. There are many government loans available that are intended to help people afford home improvements who might not qualify for private home improvement loans. Government home improvement loans can help various groups of people get access to funding they wouldn’t be able to get from a private lender. Where you live, your income, and how old you are can all affect what type of loans you can qualify for. 

Energy Efficiency Home Improvement Loans

Making energy-efficient home improvements is extremely beneficial. While many home improvement loans can be used for whatever project you have lined up, some are intended to be used for specific projects, such as loans for energy-efficient home improvements. There are many great reasons to make energy-efficient and many of the reasons to make this change go beyond you. Having an energy-efficient home can help you save a significant amount of money over time, which is why many people decide to do this. Your choice to be more energy-efficient affects everyone and can positively impact the environment. Because of this, you may be able to qualify for a special energy-efficient home improvement loan to help you create a greener home. 

Work With Homeowner Funding

Applying for any type of loan is often a hassle. Figuring out what home improvement loan is right for you is always difficult, especially when you have to worry about your credit score. Homeowner Funding is an NRIA program provider, meaning that one of our main goals is to help you get access to special funding for your home repair projects. Even if you’re struggling with a low credit score, we can work with you to find a funding option that will fit your needs. We work with many programs that help homeowners get access to funding for whatever improvements they need. 

At Homeowner Funding, we know how important it is to be able to complete the improvements and repairs that your home needs. Contact us today to learn more about how we can help you get renovation loans for bad credit. 

Here’s How to Finance Your Remodel

Tuesday, September 15th, 2020

Most of us have long lists of things we want to do around the house. Between urgent, necessary  repairs and cosmetic changes to make a house feel more like a home, houses require a lot of professional work. No matter how good of a caretaker you are, eventually, repairs will need to be done throughout the house. Any homeowner who has owned their home for a long time or has a fixer upper, will eventually need to do some repairs and remodels. Going through a remodel can be stressful when your house is being worked on, but figuring out how to finance your home remodel is often the worst part. 

Here are a few ways you can get home improvement funding.

Personal Loans

When many people wonder how they’ll afford the costs of a remodel, a personal loan is often the solution. A personal loan gives you easy access to the funds you need and can be used for whatever your remodel requires. Personal loans often require you to have a great credit score, which can cause issues for some. If you have a bad credit score, you could be stuck with high interest rates. This can be a good choice if you have a high credit score, but you might want to either work on improving it or look into other options if you don’t. 

Government Loans

A loan from the government might not be the first thing that comes to mind when you’re trying to find out how to pay for your home improvement project. Government loans can be great, but not everyone will qualify for them. Many government home improvement loans are intended to give people who might not qualify for loans from private lenders access to funding. There are several government loans that can be used for home remodels in certain situations, like loans just for homes in rural areas.  

Home Equity Lines of Credit

If you know that your home remodel projects are going to be on-going, a home equity line of credit could be helpful. A HELOC gives you access to funds that you can use over a period of time when you need it, and you can use as much or as little of your total amount as you need. For a home equity line of credit, you’ll need to put your home up as collateral. While this can be a big risk to take if you’re worried about paying it off, you can often get much lower interest rates because of it, so it can be worth considering.  

Let Homeowner Funding Help You Find Funding

There are many routes you can go to get funding your home remodel, and not all of them are the right choice for you. When you need a lot of funding to cover the cost of a project like home additions, it’s extremely important to understand what your options are and what will work for you. At Homeowner Funding, we can help you tackle your home remodel project and get the funds you need to make it happen. 

If you’re trying to figure out how to pay for home improvements, let us make it easy for you. Contact us today to get started. 

How to Choose the Right Program to Fund Your Home Improvement Project

Tuesday, September 15th, 2020

In a perfect world, you can pay for whatever you need out of pocket and not worry about finding assistance or applying for loans. Unfortunately, this isn’t the case for most people. When you have a big expense, you’ll likely have to get help paying for it. This is the case for many home improvement projects, which are usually extremely expensive. Getting funding for projects like this can be overwhelming, but it helps to understand what options are available. 

Choosing the right home improvement funding program is the most important part of your home improvement project. Here are a few ways you can find funding that works for you. 

Consider Your Credit Score

Many people who are planning home improvement projects use home improvement loans to get access to funding. This is a get, easy to use choice, but it isn’t for everyone. Like any loan, you need to have a good credit score to qualify. If you have a high credit score, there’s a good chance that getting a loan for your home improvement project will be the best route for you. With a low credit score, getting a home improvement loan can end up hurting you over time, so there could be better options for you. Those who have a low credit score and want a home improvement loan can end up with high interest rates, so this is an important aspect to consider when you need funding. 

Look at What’s Available for Your Exact Project

Depending on what your home improvement project is, you might be able to use certain funding programs. If your project has specific programs that you can qualify for, this might be a better option for you. For example, if you need new roof funding, you might find programs specifically meant to help people pay for a new roof. This gives you more options to choose from and could be a good choice if you don’t want to take out a loan. However, these programs might not be available for everyone’s renovation project or might only be available for certain demographics. 

Research Government Funding

Government programs help make home improvement projects possible for many people. Government home improvement grants to cover your next project or federal loans are both options for people who need certain home repairs completed. These programs are extremely important, as they typically help provide funding to people who would have a hard time getting it other ways. There aren’t a huge number of government programs available to help people pay for home improvements, but the available ones can make a huge difference to the people who need them. These programs can benefit people who need home repairs but have difficulty paying for it due to circumstances like their income, age, or disability. 

Finance Your Project With Homeowner Funding

At Homeowner Funding, helping people complete their home improvement projects is our goal. We know how difficult it can be to find funding and go through home repairs, but it doesn’t have to be. With our experience and resources, we can make finishing your home improvement projects easier than you thought possible.

Contact us to learn more about how we can help.

4 Types of House Additions to Add More Space

Tuesday, August 11th, 2020

Homeowners can have all kinds of reasons for wanting to add on to their existing houses. Usually, home additions come down to the extra space. Maybe a couple realizes their family is getting too large for their current home, and yet they love their house and neighborhood and don’t want to move.

In that situation, a home addition may be the solution. An architect and contractor detail what kind of space a homeowner has to work with and then collaborate on what type of design will be possible in that space. Every house addition will be different. Additions can be for adding bedrooms, sunrooms, living space, or entirely separate structures apart from the main house.

Whatever the case for you, financing a home addition with Homeowner Funding can be just what you need to see the job through to the end. We finance any kind of addition you want, and then you pay the loan back once the work is complete.

To give you an idea of what your options are for adding onto your home, here are four types of additions to add more space to your home.

Room Addition

A room addition–also known as a bump-out–is one of the simplest types of home additions you can get. Room additions are just as they sound: extra space added onto a single room of a house. They generally don’t add much square footage to the overall structure, but they can still be lifesavers for families that need more dining room space, or for a couple that wants to expand the master bedroom. Room additions usually have their own roofs and must be supplied with new utility work. They also have to be inspected for local code adherence.

Finished Basements

While finishing an existing basement is not exactly adding another structure to a house, it does create additional living space that can increase the value of your home. One nice aspect of finished basements is that they can be used as all kinds of rooms, from bedrooms to living rooms to media rooms. One consideration homeowners must make if the basement is to be used as a bedroom is that it must have window or door access to the outside in case of emergency.

Kitchen Addition

The kitchen is one of the most important rooms of a house in that it is where food is prepared and families gather to socialize. As such, it is one of the rooms where an addition might make the most sense for a homeowner. At Homeowner Funding, we often see families unhappy with their existing kitchens because the rooms sacrifice sitting space for the cabinets and appliances. You can have it all with a kitchen addition from Homeowner Funding. We can finance and install your add-on space, whether for additional seating or to add more natural light with windows and glass doors.


A mudroom addition can go a long way toward adding value to your home. People see mudrooms as valuable parts of a house because they exist to keep the main house clean. Mudrooms are used to store extra or wet clothing so they don’t clutter up the general living space. A mudroom can also be where you store a washer and dryer so that they, too, can be out of the way of the high-traffic areas of the house.

Finance Your Home Addition with Homeowner Funding

At Homeowner Funding, we realize that any kind of home addition can run families into the thousands of dollars. Additions increase the resale value of a home, but paying for them upfront can be challenging.

That’s why Homeowner Funding provides options for financing a home addition. We fund your addition project and install your new work. Then, you repay the loan with our competitive interest rates. The terms are simple so you can start enjoying your addition as quickly as possible.

Contact Homeowner Funding today to learn more about our financing options!

Bathroom Remodel Ideas That Really Pay Off

Tuesday, August 11th, 2020

Home design magazines are filled with beautiful bathroom ideas that look like they could be in a spa. We all want a bathroom that looks like the ones you can find in magazines, but few of us have one. Bathrooms go through a lot of wear and tear that other rooms in the house don’t get. In addition to the damage bathrooms can have, at some point, they’ll also become outdated. This is no place for you to feel relaxed at the end of the day. 

Not only should you consider remodeling your bathroom for your own comfort, but it can really pay off in the long run. Homebuyers strongly consider the quality of bathrooms when looking at houses, and they’re often willing to spend a little more on homes that already have great bathrooms. If you invest in your bathroom right now, you could benefit from it when you move. 

Here are a few bathroom remodel ideas that you should start looking into. 

Install a New Bath/Shower

When most people think of their perfect bathroom, they’re likely picturing a great bathtub or shower. You might have a bath that works perfectly fine but is far from a relaxing place to take a bath. A bathtub should be an inviting place where you can unwind at the end of the day. Likewise, you want a shower that makes you feel like you’re at a spa every day. You might also need a bath and shower that are more accessible for anyone in your home who struggles to step into a tub. Age and disabilities can make bathing unsafe without the right bath, so this is extremely important for those who need it. 

Get New Flooring

The floors in your bathroom get exposed to water regularly. Some bathroom floors can handle constant water exposure, but not all flooring is intended for this, so it won’t last very long. Commonly used materials like vinyl aren’t meant to last long and can go out of style quickly. Your bathroom floor should be able to hold up for years to come. A high-quality bathroom floor may be expensive at first, but you won’t have to worry about replacing it anytime soon. 

Update Your Fixtures

Not all ways you can improve your bathroom need to be major changes. Sometimes, a few minor fixes can have a huge impact on the look of your bathroom. New light fixtures can completely change the feel of a room instantly, even just getting lightbulbs in a different tone can feel major. If you have a vanity that’s in great condition, but a little dated, you might just need new hardware or even a new faucet. You should also fixtures you might not pay much attention to normally, like towel hooks or your toilet paper holder. These are changes that you’ll easily be able to do on your own in no time. 

Add a New Vanity

Many of us wish we had more space in our bathrooms. Unfortunately, building storage like shelving or a linen closet isn’t an option for most people. One way you can easily create more storage space in your bathroom is with a new vanity. If you have the space for an updated vanity that’s larger than your current one, this is a great switch to make. This will not only give you more storage and countertop space, but it also changes the look of your bathroom significantly. A vanity is one of the most prominent parts of the bathroom and will immediately catch someone’s eye. 

Invest in a Water-Saving Toilet

It probably hasn’t occurred to you just how much water your toilet uses up. Even if you have thought of this before, you might have thought nothing can be done about it. If you haven’t heard of water-saving toilets, wasted water might be something you thought you had to accept. More and more people are concerned with the amount of water they use, so toilets that can use less water are becoming more commonplace. Over time, you’ll also end up saving money on your water bill. 

Fund Your Bathroom Remodel

Just because you’ll benefit from your new bathroom over the years, doesn’t mean you have the money right now to do it. Although it’s more than worth it, a high-quality bathroom remodel can be extremely expensive. A home improvement loan can give you the funds you need to complete your bathroom renovation.

Contact Homeowner Funding to learn more about how we can make your bathroom remodel possible.

8 Ways to Lower Your Electricity Bill This Summer

Tuesday, August 11th, 2020

Many people spend a good portion of the year waiting for summer to come. Being able to sit outside in the sun and enjoy the warm weather is a relaxing way to spend the day. Once this weather starts, you might feel relieved to not have to deal with the cold. However, the heat can lose its charm quickly, especially inside your house. At the end of a hot summer day, you want to feel cool and comfortable inside your house.

Blasting the AC all summer can feel great, but not once you see your electricity bill. You don’t want to deal with the cost of running your air conditioning all the time, but you have to get some relief from the heat. 

Check out these eight ways you can lower your electricity bill over the summer. 

Don’t Have the AC on All Day

This might seem obvious, but many of us are guilty of doing it. It can be easy to keep your air conditioning running all day without realizing it. You might even accidentally leave the AC on when you’re not in the house or in certain rooms. Once your house is a comfortable temperature, you can go without the AC. If it’s a slightly cooler summer day, you might not even need the air conditioning at all. 

Install a Smart Thermostat

A great way to manage your electric bill, and eventually your heat bill, is with a smart thermostat. With a smart thermostat, you won’t have to put any effort into effectively heating and cooling your home. Over time, your smart thermostat will pick up on your preferences and cool and heat your home the way you like without you having to do anything. These thermostats will know exactly when to cool your house and to what temperature, so the AC will only run when you need it. 

Get Energy-Efficient Appliances

There are ways to keep your AC on and not worry about the cost of running it. Today, there are plenty of air conditioning units on the market that are energy-efficient.  An energy-efficient air conditioning unit will be just as good at cooling your home, This way, you can turn your AC on when you need it and know you’re doing the best you can to reduce the amount of energy you use.

Clean AC Vents and Filters

When was the last time you cleaned your air conditioning unit? This is supposed to be done regularly, but many of us end up forgetting about it. It might seem like your AC is running perfectly fine, but built-up dirt can be causing it to struggle. Dirt in the vents and filters can be causing your AC to work harder and use more energy to cool your house as well as an AC that’s well maintained. Regular cleaning can ensure your air conditioning unit is as effective as it can be. 

Invest in insulation

If you’re concerned about the cost of heating and cooling your home, you might need new insulation. Without the right insulation, you could be practically throwing money away. A properly insulated house will do a better job of keeping the cool air from your AC in. Of course, getting all new insulation in your home can be a big expense, but it will be useful in every season for years. 

Get a Fan

 Using your AC less doesn’t mean you can’t use any appliances at all. Placing a fan in the right spot can also help cool air from your air conditioning unit circulate easier, which means you might not need to run it as long to cool down a room. On a day that isn’t too hot, a fan can also be used in place of your AC.

Buy New Blinds and Curtains

Letting the sunlight shine in your home can often be calming. However, this can be causing your house to heat up. If you’ve ever sat where a sunbeam is shooting, you know how warm this can get. With heavy blinds and curtains, you can block this warm light from getting in. This will also be beneficial in the winter if you have drafty windows that let in the cold.  

Open the Windows

Not every summer day is going to be scorching hot. On a breezy day when the temperature is a bit cooler, turn off your AC and open your windows. This is also true for many summer nights when the temperature can drop quickly. Keeping the windows open on a comfortable summer day isn’t just great because you’re saving energy, filling your home with fresh air is another reason to consider doing this more often.

Apply for Home Renovation Loans

Some of the changes you need to make to lower your electric bill can come at a cost. If you need new windows or insulation to keep your home comfortable, you need to figure out how you’ll afford this. Paying for this out of pocket isn’t always possible, but a home renovation loan can help.

Contact Homeowner Funding to find out how we can help you afford your next renovation project. 

Top 3 House Siding Options

Tuesday, August 11th, 2020

The siding of your house is one of those aspects of home improvement that is easy to ignore. Siding sits there on the house for years, not attracting much attention. However, siding is actually among the most important parts of your home safety and security. Siding exists to protect the structure itself from the harshness of the elements. Rain, wind, snow, and hail can all damage the exteriors of homes over time. The right kind of siding also protects you and your family from experiencing more of the heat or cold from outside.

You can see why it is so vital that you choose a quality siding for your home. Maybe the siding on your current home is now several decades old, and you are looking for a replacement.

At Homeowner Funding, we offer siding financing for vinyl home siding, which is one of the best choices out there for house siding. But if you want to be presented with a list of options, here are three house siding products for you to consider.

Vinyl Siding

We want to mention vinyl siding first not just because we work with it all the time, but because of its exceptional quality and value. When you have vinyl siding covering your house, you know you are getting a product that resists weather, insects, and even fading from the sun. It’s also a versatile product that you can buy in all kinds of colors and facades. Perhaps best of all, vinyl siding, once installed, doesn’t need much maintenance other than a good power wash now and again. That’s because vinyl is susceptible to collecting and showing dirt from the air. But that is truly the worst of the issues here. Get in touch with Homeowner Funding to discuss our vinyl siding financing options!

Wood Siding

Next up on our list is wood siding. This is an option you may not see on homes too often, but it offers a truly beautiful, rustic, and relaxing look when it covers an entire house. Cedar is a top-quality wood you can get for your home, but keep in mind it tends to be more expensive than other woods, such as pine. With all woods, however, you will have to perform some maintenance to keep the siding strong and healthy, since rot, fading, and splitting can set in after so many years. You will want to power wash and seal your wood siding on a schedule to make the siding last as long as possible. When all this is done correctly, wood siding will provide your home with excellent resistance from outdoor elements.

Fiber Cement Siding

The last item here is fiber cement siding, a product constructed from cement and cellulose fibers. Compositing cement and these plant fibers creates a siding that resists moisture, rot, fire, insects, and weather. Fiber cement siding is considered one of the best on the market for these reasons. You may even find that your home insurance company provides you with a discount for having it installed. DIYers, take note, however: fiber cement squares take some expertise to handle, cut, and install properly, so professionals installation is strongly recommended. In any case, all the positive qualities of fiber cement siding show that you really can’t go wrong with this particular siding option.

Get Vinyl Siding Funding from Homeowner Funding

Homeowner Funding has been working for a long time to provide the citizens of the Northeastern United States with reasonable home renovation loans for all their home improvement projects.

We understand the right type of siding is essential for any homeowner, but we also know that not everyone can afford what they need right now. Updating your home can get expensive. To make it all a little easier for you, we offer siding funding at competitive interest rates. We install your siding, and you repay the loan later. It’s that easy. Our loans have allowed thousands of families to start remodeling the homes of their dreams. We can do the same for you.

Contact us today to find out more about our financing options!