7 Ways That Having Trees Save Money

Indeed, trees are a stunning addition to every home. Without trees, your backyard is void of greenery and warmness, and it’s seemingly naked. A good tree on your lawn does more than improving the aesthetic features.

While looking for ways to save money, very few consider how beneficial trees are. The initial investment may be quite hefty in terms of money and time. However, it quickly pays off while significantly saving you on bills. Below are the primary ways in which having trees saves money.

#1. Reduced Heating and Cooling Costs

Other than the mortgage, heating, and cooling costs are significantly high for most homes. For regions with hot summers and cold winters, temperature regulation is somewhat expensive.

The American Power Association lists landscaping as an effective means of cutting energy costs. Through landscaping, your home cooling utilities lower by approximately 50%. In the summer, a good shade-tree blocks direct sunlight, hence minimizing the heat.

During winter, well-positioned trees, particularly evergreens, shield your home from the cold winds. Therefore, heating costs reduce by between 20-50%, which amounts to about $250 annually.

#2. Increase Your Home’s Value

Trees improve the value of your home significantly. For home buyers, trees stem a …

The Declining Direction of Mortgage Rates in Texas

Interest rates or construction loans Texas are a topic of conversation for everyone who takes part in the home buying process. Home owners need to be informed about mortgage rates and how they will impact the monthly mortgage payments on your new or refinanced home. One thing is for certain: the direction of mortgage rates in Texas is down. Because rates are low right now, it can be a good choice to talk to a Texas mortgage broker who can show you a variety of loan programs and help you select the one that is right for you.

What is APR?

Your mortgage broker will help explain why the downward direction of mortgage rates in Texas is to the advantage of the home buyer in our current economy, but it is good to be familiar with some terms before entering into that conversation. One of them is the acronym APR, which stands for annual percentage rate. The annual percentage rate is not the same as the interest rate. You will see both rates listed on loan instruments, so knowing the difference is important in understanding what it is that you are being offered.

The APR is the interest rate percentage, …