Choose your lender carefully. Look for financial stability and a reputation for customer satisfaction. Be sure to choose a company that gives helpful advice and that makes you feel comfortable. A lender that has the authority to approve and process your loan locally is preferable, since it will be easier for you to monitor the status of your application and ask questions. Plus, it's beneficial when the lender knows home values and conditions in the local area. Do research and ask family, friends, and your real estate agent for recommendations.
The use of ridge vent has increased greatly during the past ten years and when used with a soffit vent or vented drip edge, it is a very effective means of venting rafter bays, especially in cathedral ceiling areas. An air space in the rafter bay must be provided for full airflow. There are various styrofoam vent channels that, installed in the rafter bay, keep the insulation from fully filling the bay, to allow for air space. This can help keep condensation from forming on exposed roof nail ends and dripping onto the ceiling materials below during winter months.