Maintain your system periodically to yield immediate energy savings, improved comfort, and a longer trouble-free service for any system. This includes duct repair and replacement. Be sure to hire a professional technician to service your heating equipment. Qualified technicians can often identify safety and efficiency issues that aren't immediately apparent. A professional can also teach you about the operation of your heating system and the role you can play in performing minor service tasks.
If you are taking cash out of a refinancing and/or folding the closing costs into the new loan, watch the loan-to-value ratio of the new mortgage. If it’s above 80 percent, you will have to purchase private mortgage insurance, the added cost of which may make the refinancing less attractive.