Weather stripping can seal leaks around movable joints, such as windows or doors. You need to choose a type of weather stripping that will withstand the friction, weather, temperature changes, and wear and tear associated with its location.
Tankless coil water heaters work well during colder months because the heating system is used regularly.
The loan to value ratio (LTV) is the amount of money you borrow compared with the price or appraised value of the home you are purchasing. Each loan has a specific LTV limit. For example: with a 95% LTV loan on a home priced at $50,000, you could borrow up to $47,500 (95% of $50,000), and would have to pay $2,500 as a down payment. The LTV ratio reflects the amount of equity borrowers have in their homes. The higher the LTV ratio, the less cash homebuyers are required to pay out of their own funds. So, to protect lenders against potential loss in case of default, higher LTV loans (80% or more) usually require a mortgage insurance policy.
Many people find bamboo flooring very attractive. It looks similar to regular wood flooring, but it is harder and more durable. Bamboo has a short growing time, so it is a rapidly renewable resource. Most bamboo flooring contains trace amounts of formaldehyde; one brand that does not is Bamboo Hardwoods, and Teragren contains very low levels.