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Sacramento Real Estate by Julie Jalone
Real Estate News from Sacramento
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My business is built on referrals and because I want
to build a successful business long term I work hard to exceed client expectations. I very much appreciate your referrals. As
some of you know, it is my custom to reward referrals and I will continue that tradition. If you know someone who is
thinking about buying or selling a home please let me know. Follow this link to my referral form.
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Sacramento Real Estate News
Make your home purchase more affordable By Julie
Jalone October
13, 2009 The Energy Efficient Mortgage is recommended by the U.S. Department of
Energy and enables you to finance valuable energy-related home improvements directly with your mortgage in such a manner that
the improvement savings is documented by a qualified energy professional. Any increase in your monthly mortgage payments will
be more than offset by a corresponding decrease in your utility bills, in some cases as much as 50 percent. With an Energy Efficient Mortgage loan program, you can now affordably: Even better, financing your home purchase with an EEM program doesn’t
affect your income qualification, down payment or appraisal. You literally can afford a better and more comfortable home,
equipped with energy efficient upgrades that pay for themselves. The Energy Efficient Mortgage program is available through Fannie Mae,
Freddie Mac, FHA, VA and ENERGY STAR. The program is limited to home upgrades known to reliably save energy and lower utility
costs. If the home you are buying or refinancing was built before 1994 it is almost certain that an energy audit of the property
and corresponding improvements will provide sufficient utility savings to more than offset the additional cost added to the
mortgage by financing the improvements. There is no cost to apply for the EEM and it is something everyone who
is buying or refinancing a home should consider. If you are considering buying an older home and would like additional
information about an Energy Efficient Mortgage please contact me, Julie Jalone, by email at juliej@jalone.com or call me at (916) 290-9339.
The following article was prepared especially for our website by Asbestos.com is the web's leading resource for up-to-date
information regarding asbestos exposure and resulting illnesses. (August 6, 2009) Utilized in thousands of construction and building applications throughout
the 20th century, asbestos was a highly regarded mineral due to its heat resistant properties. With its qualities
as flame and heat resistant, it was not only versatile, but extremely durable. Homes and buildings built prior to 1980 still maintain the chance of
contain asbestos materials. Exposure to asbestos is easily prevented by taking simple precautions. Many green and healthy
alternatives exist that replace the need for asbestos entirely. Asbestos If any suspected asbestos is located, do not touch or disturb it as this
can break its fibers down and make it become airborne. A professional home inspector can determine the validity of danger
and determine the best course of action to take. Asbestos removal in public facilities, homes and workplaces must be undertaken
by a licensed asbestos abatement contractor. The removal of asbestos is a finite process that must be done by a professional.
The California Department of Health Services has set standards and regulations in regards to asbestos use and abatement. Despite knowledge of the state’s asbestos
problems, many communities throughout California still find themselves constructed atop asbestos deposits. Exposure to airborne asbestos fibers may lead to the development of a
rare, but sevre lung ailment known as mesothelioma. Research demonstrates that over 2,000 to 3,000 cases are diagnosed in
the U.S. each year. Many variables can affect a mesothelioma diagnosis. These include length latency period, age of diagnosis and cigarette smoking. Due to the fact many symptoms of mesothelioma are similar to less serious ailments, diagnosis is one of the more difficult tasks physicians encounter. Sacramento Going Green Green options such as cotton fiber, cellulose and lcynene should be given
consideration as replacements to asbestos. These options have been shown to reduce annual energy costs in the home by 25 percent.
Cotton fiber is also becoming a favorite insulation method. Made from recycled batted material, it is then treated to be fireproof.
Water based spray polyurethane foam, lcynene, is a healthy insulation which contains no toxic components. Tax breaks are being offered through The American Recovery and Reinvestment
Tax Act of 2009. This package extends energy efficiency tax incentives first enacted in 2005 and even creates some new ones
for those who remodel their homes using eco-friendly materials. Some of the measures that are eligible for tax credits include added
insulation to walls, ceilings, or other part of the building envelope that meets the 2009 IECC specifications, sealing cracks
in the building shell and ducts to reduce heat loss. Storm doors paired with U-factored rated wood doors are also eligible. |
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