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Ranch-style homes are typically larger and more rectangular than most bungalows' small, square footprints. The floor plans for these two home styles are often different, too, with ranch home bedrooms placed along a hallway off the central living space and bungalows having their bedrooms directly off the main area without hallways.

An Arizona room may or may not count toward your home’s square footage, depending on local regulations and the specifics of the room, but generally does not get included in the total square footage. In many locations, a room needs to be built to the same quality as the rest of the home, have an integrated heating/cooling system, and be habitable year-round to count toward square footage. 

No, home improvement loan rates typically do not drop during certain times of the year. Interest rates go up and down based on economic conditions rather than on the time of the year. Some banks may offer slight rate discounts around the same holidays every year, but this is a marketing decision rather than a decision based on the time of the year. If you want to use a home improvement loan to fund your remodeling project, the best option is to shop around at different banks for the best rates.

Having a garage can increase the value of your home considerably, even if the garage isn't considered living space. Many people own cars and want a secure place to park their vehicles when they are home. 

If you decide to finish your garage and convert it into living space, you may affect your home's value. The livable space may increase your home's square footage, which can help its value. But, giving up the garage space may also negatively affect the sale price of your home.