If you’ve been dreaming of a kitchen remodel, a basement finishing project, or even a full room addition, financing might be the only thing standing in your way. The good news? You don’t have to give up your home’s low existing mortgage rate to fund your home improvement project. By using a Home Equity Line of Credit (HELOC), you can access the value already built into your home while keeping your current interest rate intact. That means you can finally invest in that deck makeover or luxury bathroom upgrade without refinancing into today’s higher mortgage rates.
A HELOC gives you flexible funding that works with your timeline. Whether you want to start small with new windows and siding or take on a full-scale remodel like finishing your basement or expanding your living space, a HELOC allows you to draw funds as needed. You only pay interest on what you actually use—making it a smart way to manage costs while tackling your home improvement wish list.
Not only does a remodel improve your lifestyle, but it also increases the value of your home. A modernized kitchen, a cozy finished basement, or a spacious deck makeover can pay off if you ever decide to sell. Even smaller projects like bathroom upgrades, roofing improvements, or new energy-efficient windows add comfort now and equity later.
Ready to take the next step? Call On Top Of It Roofing & Construction at (502) 904-9595 for a free estimate on your home improvement project. Whether it’s a room addition, basement finishing, or a deck makeover, our expert team is here to bring your vision to life—while helping you make the most of your home’s equity.