A guide to mortgage pre-qualifications and pre-approvals. Even if you're not a first-time home buyer, it's always a good idea to decide what you can afford before you begin viewing prospective homes. There are two ways to do this: by getting a loan pre-qualification or pre-approval from a mortgage lender. Below is an explanation of the differences between pre-qualifications and preapprovals, and why I encourage borrowers to obtain a pre-approval letter before arranging pr

Around half of the energy used in homes is heating and cooling related. The amount of energy you use can vary between homes based on the type of heating and cooling systems, the size of the home, the amount of use/resident preferences, and where the home is located. There are several maintenance and renovation tips for heating and cooling in an energy-efficient manner: Perform regular maintenance: Your heating and cooling systems need regular maintenance to run properly