Finance home improvements using your equity. Compare HELOC, cash-out refinance, and renovation loan options. Plan your project with our free tools.
Fiona Bryan, Mortgage Advisor
Empire Home Loans
Phone: (310) 567-6988
Email: [email protected]
NMLS# 1812932
Company NMLS# 1839243
Empire Home Loans, Inc., NMLS ID#1839243, CA DRE# 02086593, CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional licensing information. The corporate office address is 4401 Hazel Ave., Ste. 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc. supports equal housing opportunity.
Finance home improvements using your equity. Compare HELOC, cash-out refinance, and renovation loan options. Plan your project with our free tools.
HomeEquityNinja is an educational resource. Personalized reviews by , NMLS .
Whether you are updating your home, handling repairs, adding space, or preparing for future resale, your home equity may help you fund improvements without draining savings.
Kitchens, bathrooms, outdoor living spaces, home offices — improvements that make your home more enjoyable and functional for your daily life.
Roof repairs, plumbing updates, electrical work, foundation issues, HVAC replacement — necessary work that protects your investment and safety.
ADUs, additions, curb appeal improvements, energy upgrades — projects designed to increase your property value for future resale or rental income.
Get contractor estimates and create a realistic budget with contingency funds.
Determine how much equity you can access based on your home value and current mortgage.
Compare HELOC, cash-out refinance, home equity loan, and renovation-specific options.
Fund your project and enjoy the improvements, knowing you did not drain your savings.
Underestimating project costs. Always add 15-20% to contractor estimates for unexpected issues and upgrades.
Choosing the wrong financing structure. A HELOC works well for phased projects. A cash-out refinance may be better for one-time major renovations. Match the financing to your project timeline.
Over-improving for your neighborhood. The most expensive kitchen on the block may not recoup its cost at resale. Research comparable homes in your area.
Get a personalized review comparing HELOC, cash-out refinance, and renovation-specific options based on your project and equity.
Renovation financing options vary by project type, budget, timeline, and whether the work is urgent or optional. Some projects may qualify for renovation-specific loans that use post-completion value. Request a personalized review to understand your best options.
Information on this website is for educational purposes only and is not a loan approval, quote, or commitment to lend. Actual options depend on your full application review, property, equity, credit, income, and program guidelines.