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Improve Your Home's Curb Appeal With a HELOC

A Home Equity Line of Credit (HELOC) works like a credit card. You have a credit limit, and you can spend from it and pay it back again and again. But unlike a credit card, the limit you’re approved for is directly tied to your home's equity. Because of this, it’s often a good idea to use a HELOC for improvement projects that will increase your home’s value. And thinking about curb appeal is a great place to start. Here are a few project ideas you can take on with your HELOC. 

Photo of landscaping home improvements.

Landscaping glow-up 

Look at your plantings, water features, raised beds, pathways and lawn. From laying down new gravel to planting new trees and shrubs, a HELOC can help you revamp your landscaping. Since you can withdraw any amount you want, up to your credit limit, you can pay for some pavers here and an ornamental tree there. You can stick to your budget, taking the project one step at a time. 


Photo of a home being re-sided.


Siding overhaul 

When your siding looks shabby, it doesn’t show your house in the best light. And when the paint is peeling, or pieces are falling off, there’s potential for damage beneath the surface too. Replacing your siding now can be crucial preventative care for your home. Or even repainting will give your curb appeal a boost. When it’s time for this type of maintenance, you often can’t afford to wait. A HELOC can help you take care of it when you need to. 


Root for a re-roof

Leaks and interior damage are just the start when your roof needs to be replaced. It can also reduce energy efficiency. Use your HELOC to take the opportunity to redo your roof, upping your insulation, installing better ventilation, and going with an energy-efficient shingle color to help save you money in the long run. All of that value, along with the new look for your home, can boost value when you decide to sell. 


Increase efficiency with new windows

If eyes are the window to the soul, does that make your home’s windows the eyes of your house? If your windows are past their prime, using a HELOC to finance their replacement can give your house soulful new eyes. Plus, it has the added benefit of increasing energy efficiency and decreasing heating and cooling costs. 


Concrete home improvements.


Consider your concrete 

A parking area is often the first thing people see when they look at your home from the street. And the curb appeal in that area starts with your driveway surface. Cracked concrete with weeds growing up from the crevices just isn’t it. Redoing a concrete pad or renovating gravel areas and leveling potholes can go a long way toward giving your home a facelift. 


Go for the garage 

Garages do a lot more than just improve the look of your home. Whether you add a new garage, get gear and lawn care items stored away, or give your existing garage a fresh coat of paint, your home will thank you for the new look. Plus, this is a great value add since more square footage and more storage are always an upsell. 

When you’re ready to make over your space, a HELOC can help you get there. Talk with a loan specialist at your neighborhood RMCU branch, and see how your home can work harder to help you get some curb appeal projects done.

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