FHA Loan Requirements in 2026: A Complete Guide for Tucson Homebuyers
Jan 07, 2021By Derrick Polder • NMLS #207630 • Published: Original Publication Date 6.22.26 • Updated: June 30, 2026
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Unlock Savings with Winter Energy Efficiency Tactics
As we welcome the new year, it's the perfect time to make smart changes that can lower your household expenses. National Cut Energy Cost Day, celebrated each year on January 10, is a great reminder to improve your home's energy efficiency and reduce monthly utility bills.
Whether you're a current homeowner or preparing to buy a home in Tucson or Southern Arizona, these practical energy-saving tips can help you reduce costs while making your home more comfortable year-round.
There's no need to heat your home while it's empty. According to Energy.gov, lowering your thermostat by 10 to 15 degrees for about eight hours each day could reduce your annual heating costs by approximately 5% to 15%, depending on your home's efficiency and climate.
Heating water accounts for nearly 90% of a washing machine's energy use, while only about 10% powers the machine itself. Switching to cold water for most laundry loads can significantly reduce energy consumption while still effectively cleaning your clothes.
Ice buildup inside your refrigerator or freezer forces the appliance to work harder. Defrost these appliances before frost reaches approximately ¼ inch thick to help them operate more efficiently.
Many electronic chargers continue drawing electricity even when they're not actively charging a device. Unplug phone chargers, tablet chargers, and other electronics when not in use to reduce unnecessary energy consumption.
Most modern smartphones also reach a full charge within a few hours, making overnight charging unnecessary in many cases.
Many utility providers experience peak electricity demand between 4:00 p.m. and 9:00 p.m. Running your dishwasher, washing machine, or dryer later in the evening or on weekends may help lower energy costs if your utility offers time-of-use pricing.
Lighting accounts for approximately 12% of the average home's electricity use. Simply turning off lights when leaving a room—and upgrading to energy-efficient LED bulbs—can help reduce your monthly utility bill.
Drafts around doors, windows, garages, and attics allow heated air to escape during the winter. Installing weather stripping, door sweeps, or replacing older windows with energy-efficient models may improve comfort while lowering heating costs.
Going paperless is an easy way to reduce waste and simplify bill management. Most utility companies offer secure online billing and automatic payment options.
Computers, printers, monitors, and other office equipment consume electricity even when idle. Turn them off when not in use whenever possible.
If you're shopping for new equipment, laptops generally consume significantly less electricity than desktop computers.
If your furnace was installed before the early 1990s, it may operate much less efficiently than today's models. Replacing an older system with a high-efficiency furnace could reduce wasted energy and lower heating costs, depending on your home's heating needs.
Improving your home's energy efficiency doesn't always require major renovations. Small changes made consistently throughout the year can help lower utility bills, increase comfort, and even add long-term value to your home.
If you're planning to purchase a home, consider using The Polder Group's Home Loan Calculators (https://www.thepoldergroup.com/calculators) to better understand your monthly housing costs. You can also learn more about the home loan process (https://www.thepoldergroup.com/loan-process) or explore available mortgage loan programs (https://www.thepoldergroup.com/mortgage-loan-programs-tucson) that may fit your financial goals.
Energy-efficient upgrades may make a home more attractive to buyers and could contribute to increased market appeal, although value depends on many factors.
Simple changes like adjusting your thermostat, using LED lighting, sealing air leaks, unplugging unused electronics, and washing clothes in cold water can all help reduce energy use.
If your heating system is older or requires frequent repairs, it may be worth discussing replacement options with a qualified HVAC professional to determine potential energy savings.
Whether you're purchasing your first home, upgrading to a new property, or exploring refinancing options, The Polder Group at CrossCountry Mortgage is here to help. Our experienced mortgage professionals proudly serve Tucson and communities throughout Southern Arizona with personalized financing solutions based on your unique goals.
Contact The Polder Group today to learn more about available home loan options, refinancing opportunities, or to get started with a mortgage pre-approval.
This article is for educational purposes only and does not constitute financial or mortgage advice. Loan programs, rates, and guidelines may change at any time. All loans are subject to credit approval and underwriting. For guidance tailored to your situation, consult a licensed mortgage professional.
By Derrick Polder • NMLS #207630 • Published: Original Publication Date 6.22.26 • Updated: June 30, 2026
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By Derrick Polder • NMLS #207630 • Published: February 17, 2026 Updated 6.30.26
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