Sentences with phrase «used by homeowners»

The ideas and possibilities are limitless, which is probably why it's the most popular style used by homeowners, interior designers, and architects.

In the past, reverse mortgages were commonly perceived as a loan of last resort used by homeowners who were struggling financially.

This Rating is usually used by homeowners to showcase their green remodel or to certify their home as green at time of sale.

You can deploy a huge array of tactics — many of which are rarely used by homeowners and for no good reason — to get your rates lower.

The tiny houses can be used by homeowners for their personal use or as rental property.

Bullfrog Power ensures renewable electricity is put into the grid to match the amount of conventional electricity used by homeowners.

During 2013 and 2014 solar leases and solar PPA's became the dominant financing used by homeowners to install solar panels because back then to buy solar was still expensive, around $ 5 per watt making the zero down lease and PPA products attractive.

They are used by homeowners in setting a perimeter within their yards.

A VA cash - out refinance loan is used by homeowners who wish to take cash out of their home's equity in order to fund other things, such as educational expenses or to make improvements to a home.

Prior to the BAPCPA reforms, most people qualified for a Chapter 7 bankruptcy so Chapter 13 was mostly used by homeowners that wished to keep their home and had significant equity, or those who owned other assets with substantial value that they did not want to expose to liquidation and disbursement to creditors.

You can deploy a huge array of tactics — many of which are rarely used by homeowners and for no good reason — to get your rates lower.

Basic is cheap, but doesn't protect your home's contents, so it's not typically used by homeowners.

Basic coverage is the cheapest, but it is not typically used by homeowners because it only protects the building and not its contents, explains John Thorpe, an independent broker with Utter / Morris Brokers.

Chapter 13 is frequently used by homeowners who would like to keep their home, and can work out a repayment plan to get caught up on past due amounts within the next five years.

But when housing values tumbled, many lenders froze those home equity lines of credit, still requiring the balance used by homeowners to be repaid.

Then it could be used by the homeowners as non-potable water to save money or simply released after the risk of flood is gone.

Made from cheap, abundant components, these cells use a titanium dioxide dye to turn 11 percent of incoming light into electricity — close to the efficiency of standard solar cells used by homeowners today as shown in the photo.

Mortgage refinancing is a common strategy used by homeowners who want to lower their interest rates.

This framing nailer is designed for professionals but can be used by a homeowner or hobbyist as well.

I will inspect all the normal operating devices designed for use by the homeowner on a day - to - day basis.

Where upgrade works are necessary then the technical assessment document can be used by the homeowner to get quotes from contractors for these works.

Net metering laws require power companies to bank excess credits for solar electricity fed to the utility grid for later use by the homeowner.

Not exact matches

Kelly hopes that in the next 10 years he can inspire enough homeowners and businesses to come on board that 50 percent of America's 40.5 million acres of lawn will be switched to organic care, reducing by half the 3 million tons of synthetic fertilizers and 30,000 tons of pesticides used annually.

That is, when debt service ratios are calculated using the discounted mortgage rates actually charged by banks (about 125 percentage points below posted rates), the average Canadian homeowner is paying just 25 % or so of income on mortgage payments, far below the 32 % benchmark used for mortgage - insurance qualification.

In San Diego, two real estate professionals who asked to remain unnamed said homeowners» associations have been plagued by long - term tenants turning houses into «youth hostels» in the area, typically using Airbnb to book guests.

By contrast, homeowners can use a HELOC to provide the money for just about any type of spending.

In order to qualify for a HARP loan, homeowners must a have a mortgage backed by Fannie Mae or Freddie Mac which predates June 2009; must show a 6 - month history of on - time payments; and, may not have already used the HARP loan to refinance.

To calculate true value in New Brunswick (and the value used for county taxes), a homeowner would multiply his or her assessed value by 1 / (0.3872).

«The other is the price - to - rent ratio, which is analogous to the price - to - earnings ratio used for equities, with rents going to landlords (or saved by homeowners) equivalent to corporate profits.

The Powerwall 2, used for storing surplus energy generated by Tesla's Solar Roof tiles or Tesla's slim - profile solar panels, would allow homeowners to function without drawing energy from the main grid.

Used carefully, HELOCs can improve the financial position of homeowners by helping them upgrade their properties, fund investments, lower their borrowing costs, make monthly payments more manageable or set up a financial safety net.

Some homeowners defray their monthly mortgage expense by renting out their vacation home when they're not using it.

As long as the loans are used to bid up property, stock and bond prices, they can claim that they are «responding to the market» by getting homeowners, commercial real estate investors, corporate raiders and financial managers to pledge their assets as collateral for yet new loans in a process that seems to be self - sustaining.

Though it is perfect for a single homeowner, it can also be used by a small family or even a small office.

They were improperly installed by homeowners or other baby proofing companies that did not use the proper gate or did not install the baby gate properly.

Former Governor George Pataki's School Tax Relief (STAR) program, passed in 1997 and fully phased in by 2002, actually does reduce most homeowners» tax bills, through the mechanism of sending added aid to school districts that are required to use the money to finance a partial homestead tax exemption.

A state program administered by towns wants to change that by cutting the price of solar panels to homeowners who use approved vendors.

[86] However, comments made by Osborne in 2003 on BBC2's Daily Politics programme then resurfaced; these regarded the avoidance of inheritance tax and using «clever financial products» to pass the value of homeowners» properties to their children, and were widely criticised by politicians and journalists as hypocritical.

Instead of doing good, Diaz took big checks from insurance lobbyists and stuck Floridians with higher rates; Diaz used his office to enrich himself while raising property taxes by $ 500 million — increasing the cost of living for Miami homeowners.

Peekskill's city council says the city comptroller will review the cases of extra water use charges upon request of homeowners affected by the new meters.

The program, initiated last year by County Executive Anthony J. Picente, Jr., targets properties in Cornhill, West Utica and parts of East Utica that are «at risk» for lead poisoning and allows the homeowners to replace old lead - base painted, single paned windows with new energy efficient replacement windows purchased at cost and using lead safe work practices.

Lawmakers changed the rules of the STAR school property tax rebates so that new homeowners would get their rebates by the end of September, in order to use them towards their tax bills.

Konopko went on to explain additional federal aid programs which can be used by affected homeowners on River, Beach, and Grassy Point Roads.

The average homeowner shifted enough consumption to shrink his peak electricity use by 15 percent.

For that reason, toxicologists María Fernanda Cavieres of the Universidad de Valparaiso, Chile, and James Jaeger and Warren Porter of the University of Wisconsin, Madison, made sure to include very low doses when they examined an off - the - shelf weed - and - feed mix used widely by homeowners and lawn - care companies.

A recent study conducted with homeowners in central Florida found that, on average, 64 percent of the drinking water used by homes went to irrigation.

Bright green and noisy, the birds attract attention and ire from homeowners by cutting sticks out of live trees, and using them to build large, communal nests.

The more I think about it the more I believe that this is a smoke screen used by a government agency to rally public discord away from their own bureaucracies which via their HST, land transfer taxes and mortgage insurance rules — all percentages calculated on the sale price of the home by the way — do more to inflate house prices without providing any evidentiary benefit to the homeowner.

Homeowners insurance policies can provide coverage for damage to your home's physical structure (Dwelling coverage); damage to other structures like a garage or shed (Other Structures coverage); your personal belongings — whether in your home or elsewhere (Personal Property coverage); additional living expenses if necessary in the event of a covered loss (Loss of Use coverage); and your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage).

Before entering into a mortgage refinance loan, homeowners typically use one of many online mortgage calculators, which are tools that help determine which available loan option is the best, and if the costs of refinancing are justified by the savings derived from changing the terms of their loans.