Doors, Windows

Shedding Light on New-Window Options - 2002-12-23

With the thick of winter here, you may be experiencing leaking or drafty windows. Maybe it's time to replace those old single-pane windows. Or maybe the winter blahs have taken hold and you're ready for a new look. Replacing your windows can help you save on your energy bill, provide a stylish new look to your home, and can be a strong lure when it comes time to sell.

Related Article...

2524 - Interest rate surveys don't always tell the truth. Which surveys? The ones in your Sunday newspaper and their online counterparts listing various local mortgage lenders and their current rate quotes. Which ones don't tell the truth? You can spot them by the variance in APR. Federal Truth in Lending laws, specifically a sub-section called "Regulation Z," set out guidelines that mortgage lenders must follow when advertising mortgage rates. The statute requires, among other things, that if a lender advertises a particular interest rate, the lender must also quote the Annual Percentage Rate, or APR. The APR is correctly defined as the "cost of money borrowed, expressed as an annual rate." The APR takes into account the note rate, which is the rate your monthly payment is based on and any and all lender fees and finance charges. Here's where it gets tricky. There are four functions when calculating a monthly payment: Term (or number of months financed), Interest Rate, Loan Amount and Payment. To find a monthly payment for a home loan, you need to know the term, rate and loan amount. For a 30-year loan at 5.75 percent borrowing $100,000 the payment turns out to be $583. Read this Nemmar Real Estate Training article at Mortgage Loans, Finance, Economy, Appraisal

 

Remodeler Magazine says that changes in technology, including alterations designed to increase energy efficiency and convenience features such as tilt-out hardware, can make recently installed windows a prime selling point for prospective buyers.

The magazine's 2002 Cost vs.Value Report says an upscale window replacement project (replacing 10 existing 3-by-5-foot double-hung windows with double-glazed divided-light windows with interior finish of alder or cherry and exterior finish of copper or aluminum cladding) cost a national average of $15,502 installed and yielded a slightly higher return of 77 percent over replacement windows at a mid-range price point.

The mid-range job (replacing 10 existing 3-by-5-foot double-hung windows with vinyl-clad double-glazed replacement windows and not disturbing existing interior or exterior trim) had a national average cost of $9,424 and the cost was recouped at 74 percent.

But new windows do more than just look good. They're also a source of heat, and need to be tinted or shaded to reduce heat, but those options also reduce natural light. And not only do windows increase a room's temperature fluctuation, but incoming light can also cause fading of carpets, fabric, wallpaper, paint and wood.

By using energy efficient replacement windows, you can reduce light and heat transfer, as well as heating and cooling costs.

According to the U.S. Environmental Protection Agency's Energy Star Program U.S. Environmental Protection Agency's Energy Star program, which began in 1992 as a voluntary labeling program designed to identify and promote energy-efficient products, the average household spends more than 40 percent of its annual energy budget on heating and cooling costs. You can save 15 percent of that with Energy Star-qualified windows.

The Efficient Windows Collaborative, a group that manufactures and promotes energy-efficient windows and receives support from the U.S. Department of Energy's Windows and Glazings Program, says the most harmful sunlight rays are ultraviolet (UV), which are the most energetic and most likely to break chemical bonds, leading to fading and degradation of materials with which the light comes in contact.

The EPA says that windows with Energy Star labels are energy efficient all year long and are twice as efficient as the average window produced 10 years ago. They're available in aluminum, fiberglass, vinyl and wood, and include design styles such as single-hung, double-hung, casement, horizontal slider, fixed and picture, as well as patio slider.

All Energy Star windows are labeled by the National Fenestration Rating Council, a non-profit, public/private organization created by the window, door and skylight industry and comprised of manufacturers, suppliers, builders, architects and designers, specifiers, code officials, utilities and government agencies. The NFRC provides unbiased energy performance ratings on window, door and skylight products.

The NFRC suggests looking for the following when choosing replacement windows:

  • U-factor, or how well a window keeps heat inside a building. The lower the U-Factor, the greater a window resists heat transfer. A good U-Factor to look for is 0.35 or lower.
  • Solar heat gain co-efficient (SHGC), or a window's ability to block warming caused by sunlight. The lower an SHGC number, the less UV rays that cause heat gain are coming through a window. Look for an SHGC number of 0.40 or lower.
  • Visible transmittance (VT), or how much light gets through a product. A VT number is a direct percentage of available light coming through a window - the higher, the more light coming through. A good percentage is about 55 percent.
  • Air leakage, or heat loss and gain by infiltration through cracks in the window assembly.
  • Low-E coatings, a microscopically thin, virtually invisible metal or metallic oxide layer deposited on the glass during manufacturing. Low-E coatings reduce heat transfer through the glass, and can reduce UV rays that cause heat gain by up to 75 percent and reduce fading of interior furnishings.

    And of course windows offer style as well as function.

    Design options from manufacturers include Pella's integrated crank that features a fold-away handle for casement windows, KML by Andersen architectural windows in radius-top casements and double-hungs, and Andersen Art Glass in 11 original patterns including Frank Lloyd Wright series designs.

    Window manufacturer Owens Corning suggests choosing a window style that complements your home's current window system. And keep in mind that the windows you select express your personality and can give your home a great new look.

    New windows are a feature of your home you're sure to enjoy. And with products like Energy Star windows, you'll save money now by reducing heating and cooling costs, and in the future by using the windows as a selling point when you're home's on the market.

  • Discuss this article

    Real Estate From A to Z  -  Nemmar Real Estate Training. House Exterior Interior Structure Roofing Plumbing Insulation Heating Electrical Air Conditioning Construction Repair Home Improvement Renovation Home Inspection Appraisal Market Value

    Nemmar Real Estate Training
    Nemmar Business and Computer Consulting