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Affordable Financing Available for Insulation and Solar Power

The most significant and most important investment most of us have in our lives are our homes. Much of our time will be spent there, and it is the place where we seek comfort. When it comes to the energy efficiency of a home, energy lost equals dollars lost. A chance to invest smart dollars into your home, making your environment more comfortable year-round with the least out of pocket costs, and doing something positive for the environment just makes good sense.

The NEIF or National Energy Improvement Fund is the nation’s only certified “B corporation” energy efficiency and resiliency lender meeting the highest standards of social and environmental performance, public transparency, and legal accountability.

Loans are based on credit scores and range from 7.99% to 12.99%. A credit score of 720+ would place you in the 7.99% interest bracket. The average credit score for most Americans is 680 to 699, placing them in the 9.99% interest bracket. A credit score of 640 to 679 would put you in the 12.99% interest bracket, which is still cheaper than a credit card. Terms are 3, 5, or 10 years, and loans may be paid in full at any time without penalty. Credit scores are pulled from TransUnion. The loans are unsecured, and the percent is static and will never increase. The loans can be applied to primary residences, vacation homes, condominiums, and trailers on a fixed foundation. The amount clients can borrow ranges from $2,900.00 to $25,000.00.

To put things in a clearer perspective, 7.99% and 12.99% is only about $6.00 difference per month, and in the loan space of less than $10,000.00, 70% of the applicants will qualify. Only one loan can be taken at any one time, so we encourage homeowners to choose to perform the job wisely and seal, insulate, and ventilate. Doing one or two without the third will not provide the savings, comfort, and environmental impact you will desire. We invite you to play with the calculator on our website portal to see what your payments would be. Additionally, Attics and More does not require a down payment. This is really a win-win for the consumer all the way around.

Steps to Applying for NEIF:

1. Visit our website www.atticsandmore.com.
2. Scroll to the bottom of the page.
3. Click on the NEIF symbol.
4. This brings you to the Attics and More portal.
5. Scroll to the bottom to the Monthly Payment Estimator. By sliding the blue dots to the amount you are
interested in financing, you can compare what the monthly payment amounts would be.
6. Click on “Learn More About the National Energy Improvement Fund.”
7. Click on “Learn More” or “Apply Now.”
8. Click on “For Homeowners” at the top of the page to apply online or pay online.

Some important information for consideration:
Customers can apply individually or jointly, but if a joint application is chosen, the person with the lower credit score is the score the NEIF uses. For this reason, clients should file individually first to see if they can qualify for a better interest rate. If someone applies and the application kicks out, a message will explain what is missing. No down payment is required by Attics and More or the lender. If you finalize an application, the loan approval is good for 120 days from the date completed and electronically signed by the applicant.

After you apply for a loan, a decision is made immediately. If you are not working due to being retired or disabled, the client must choose “other income” on the application requiring additional time for the income to be verified.

We are proud to partner with the NEIF. We take your relationship with our financing company just as seriously as you do. We want our customers to feel comfortable entering into an agreement with this reputable company. Now is the time to take advantage of this fair and transparent financing relationship and show your home and our Earth a little love.

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How Solar Attic Fans Work (And Why You Need One)

This article will take approximately 4 minutes to read. By the end of this article, you will learn how to improve the comfort of your home, save money, protect your home, reduce your carbon footprint, and make your home safer.

All year long in the Delaware Valley, your roof is absorbing heat from the sun. That energy can do a lot more for your home than heat up your shingles — if you know how to use it.

With the right tools, homeowners can create cost savings and a comfier home. One of the best tools to implement is a solar attic fan. Solar attic fans revamp your attic’s temperature control and ventilation processes, saving energy and ultimately costs down the road.

You may think your attic’s insulation is enough to keep the heat out of your home, but the insulation only slows the process down rather than stopping it completely. According to HGTV, your attic’s temperature could rise up to 150°F if not properly ventilated. That heat works its way into your home where it forces the air conditioner to work harder, and as a result, your energy bills will go through the roof (no pun intended). Here’s where the solar attic fan comes into play.

So a solar attic fan helps make a home energy efficient, healthier, and stronger. That sounds great on paper — but how does it actually work?

At Attics And More, we know homeowners want the hard facts. So we’re here to give it to you.

Solar attic fan basics

How attic ventilation works

The Building Science Corporation explains the importance of year-round ventilation. In cool climates, ventilation allows the moisture from the living space to escape through the attic. In warm climates, ventilation is necessary to push out the hot air that becomes trapped in the attic. It is imperative for homeowners in the Delaware Valley to reap the benefits of ventilation throughout the year, especially with the common occurrence of experiencing all four seasons in the course of a week.

Ventilation allows a home to breathe and improves the quality of life of your loved ones inside the home. Along with controlling heating and cooling costs, proper ventilation also ensures homeowners get the maximum amount of life out of their roofing materials.

The importance of attic ventilation has been studied since the 1930s, and research architect William B. Rose quickly discovered that an attic with proper ventilation has little to no ‘trouble’ compared to an attic that is not ventilated.

Why your attic needs ventilation

What happens to an attic that is not properly ventilated? William B. Rose lists potential problems in his research ranging from failure of roofing, buckling of roofing, rotting of wood materials, and moisture accumulation in insulation.

A poorly ventilated attic could also allow for the growth of mildew and rot. Mildew and rot not only impact the air quality in the attic but could also decrease the air quality of the home’s living spaces.

The benefit of having a well-ventilated attic is further proven by research from the University of Florida where it was found that “conditions in a ventilated attic are stable through seasonal changes and promotes cost-effective, energy efficient climate control of unconditioned spaces in hot, humid regions.”

How to properly ventilate your attic

Fortunately, there is a simple solution. A solar attic fan works to lower the temperature of your home, keeps your attic dry and ventilated, and helps to maintain the structure of your roof. The main function of a solar attic fan, explained by Energy Star, is to cool down a hot attic by pushing hot air from the attic outside and drawing in cooler air from outside. By providing steady and constant airflow into the attic, a solar attic fan causes warm and moist air to be vented out.

One of our solar attic fan installations on a home in southern New Jersey.

Why you should choose a solar attic fan

Solar attic fans improve the comfort of your home

By moving hot, stuffy air out of the attic and improving ventilation, solar attic fans work to decrease the attic’s temperature. Regulating the temperature of the attic helps the lower level rooms and occupants in your home feel cooler and more comfortable.

Solar attic fans help you save money

After installation, solar attic fans are free to operate since they use the power of the sun for efficient operation. Homeowners in New Jersey are eligible for a 26% federal tax credit through December 31, 2019, for solar attic fan installation. A solar attic fan also eliminates the need for your air conditioner to overcompensate for heat entering the home — leading to lower energy bills.

Solar attic fans protect your home

Solar attic fans prevent moisture-related damage from damaging the roof. Having a solar attic fan expels moist, warm air from the attic year-round and prevents the growth of mold and mildew, and significantly reduces the chance of rotting roofing materials.

Solar attic fans help you save energy

Solar fans reduce your carbon footprint as well as your consumption of fossil fuel. Energy Star acknowledges that installing an attic fan helps to save energy by preventing your air conditioner from working overtime — as previously mentioned, this saves you money on your energy bills, but it also makes a big difference in your energy use.

Solar attic fans are safe

It is important to note that a conventional electric fan has the potential to pull carbon monoxide and dangerous fumes from the basement or ground-level gas appliances through your home. Solar attic fans move air gently, keep your attic pressure at a safe level, and provide effective airflow without endangering your loved ones.

Feeling intrigued?

We offer a free in-home attic inspection and assessment.

To find out if a solar attic fan is right for your home, contact Michele DuCoin at 856-809-2744 or send an email directly to Michele by clicking here. We like saving homeowners in the Delaware Valley a pretty penny without sales gimmicks or pressure.

 

Written by Samantha Brumbaugh and Michele DuCoin