If you have owned your home for several years, you may be sitting on more equity than you realize. That can lead to a common question: Can I use the equity in my home to pay for renovations or home repairs? The short answer is yes. Depending on your available equity, current mortgage, credit, income, and financial goals, you may have options to access cash from your home to help pay for a kitchen remodel, new roof, HVAC replacement, home addition, bathroom renovation, or other major home improvement project. Three options homeowners often consider are a cash-out refinance, home equity line of credit (HELOC), or home equity loan. Here is how each option works and what homeowners should know before deciding.
Published on 07/14/2026
Homebuying tips FSBO
Published on 06/22/2026
Learn how to repair your credit, improve your credit score, and prepare for mortgage pre-approval. Discover practical steps that can help you qualify for a home loan sooner.
Published on 06/15/2026
Mortgage Approval checklist
Published on 06/11/2026
What to do if rates drop after you locked your rate?
Published on 05/22/2026