It depends who you negotiate with. Some lenders are willing to haggle on both the loan rate and the number of points, but this is not typical among more established lenders.
A tax-acceptable home improvement deductible is defined as one that adds value to your home, “considerably” prolongs your home’s useful life, or adapts your house to new uses.
Pristine white kitchens have been popular for years, especially when accented with marble or granite countertops and distinctive cabinet hardware. But the pendulum is swinging, home decorators say.