Summer is the season of sunshine, barbecues… and finally tackling those home improvement projects you’ve been thinking about all winter. But which upgrades actually boost your home’s value—and how can you pay for them without draining your savings?

At BrightSide Lending, we’re more than just mortgages. We help Michigan homeowners unlock smart ways to finance upgrades that build equity, not debt. Here’s what to know:

🔨 Top 5 Summer Projects That Pay Off

1. Replace Old Windows

  • 💵 ROI: Up to 85%
  • New windows improve energy efficiency and curb appeal—plus you’ll feel the difference come winter.

2. Add a Deck or Patio

  • 💵 ROI: 70–80%
  • Outdoor living space is a big draw for Michigan buyers and adds immediate functionality.

3. Upgrade Siding or Paint

  • 💵 ROI: 60–75%
  • First impressions matter. A fresh exterior boosts value and buyer interest.

4. Install Central Air or Improve HVAC

  • 💵 ROI: 50–70%
  • Inconsistent temps? Modern HVAC systems improve comfort—and appraisers take note.

5. Remodel the Kitchen (Modestly)

  • 💵 ROI: 60–80%
  • Focus on new counters, refaced cabinets, and upgraded lighting. No need to gut the place!

💸 Financing Options That Won’t Kill the Budget

1. Cash-Out Refinance
Use the equity in your home to fund renovations. Rates are often lower than credit cards or personal loans.

2. Home Equity Line of Credit (HELOC)
Great for ongoing projects—borrow only what you need, when you need it.

3. Renovation Loan (FHA 203k or Conventional Homestyle)
Buy or refinance a home and roll renovation costs into a single loan.

4. Personal Loan
Fast approval and no lien on your home—but rates may be higher.

✅ Want to Know Your Equity? We’ll Run the Numbers Free.

Before swinging a hammer, let’s figure out how much equity you can tap—with no obligation. You might be surprised what’s possible with the current value of your home.

📞 Call/Text: 586-270-5070
📧 Email: jeffkaltz@brightsidelending.com
🌐 BrightSideLending.com

💡 Pro Tip:

Combine your project + loan strategy smartly. Adding A/C with a refinance? That monthly savings might help offset your project cost. Let us model out both scenarios for you.

Don’t Just Renovate. Invest in Your Future.

Summer projects should add more than curb appeal—they should add value. With BrightSide Lending, you’ll get clear advice, local guidance, and fast approvals to fund your next home upgrade the right way.