During winter, a ceiling fan can move heat trapped near the ceiling back into the living area. This is especially valuable in rooms with high or vaulted ceilings. Remember to run your ceiling fan counter-clockwise in the summer and clockwise in the winter.
The Federal Housing Administration works to make homeownership a possibility for more Americans. With the FHA, you don’t need perfect credit or a high-paying job to qualify for a loan. The FHA also makes loans more accessible by requiring smaller down payments than conventional loans. In fact, an FHA down payment could be as little as a few months’ rent. And your monthly payments may not be much more than rent.