• Catherine

Cash-Out Refi and Home Equity DIY

Take advantage of the equity in your home, while increasing the value of it.

There are several smart ways to take advantage of the equity in your home, while simultaneously increasing the value of it. As we’ve discussed before, one of the most popular purposes of a cash-out refinance is to put that money back into the property – either for you and your family, future buyers, or both.

When determining how much money to refinance and roll back into your home, consider the priority projects that will add the most value. Think like a buyer and think like an appraiser, tapping into objectivity that may not come naturally when it’s your own home.


A simple coat of paint can enhance the interior of a house exponentially. Keep it fairly neutral so the colors don’t overshadow the features or turn off potential buyers. Invest in routine maintenance and repairs before they become large, expensive problems down the line. For example, a leaky roof can be repaired in order to avoid the need for full replacement.


What the house looks like from the outside is important to homebuyers. Replacing an outdated garage door is high on the list of renovations that recoup the cost, and a new or painted front door can update the look of the house. Removing dead trees and cleaning up the landscaping will make a home even more inviting.


Kitchen remodels can often pump more life into the heart of the home. You can recoup up to 120% on your investment, according to HGTV, but don’t go too crazy on high-end features unless you’re a gourmet chef who plans to stay in the house for years. Most buyers won’t appreciate – or pay – the extra expense.

If your house is short on bathrooms, which is common in older homes, then an addition of a half or full bath can be a very wise investment.

The other remodel project that earns its keep is a deck addition. People love an indoor/outdoor lifestyle and a well-made deck or patio can really bring a backyard to life.


Investing in an energy-efficient home is a win-win for you and future homeowners. By installing Energy Star windows you’ll not only save on your monthly utility bill but may also qualify for a

green energy tax credit. Likewise when you incorporate energy-efficient insulation and programmable thermostat systems – you’re really investing in the future.


In addition to deluxe kitchens, a few other projects are not worth the high dollar investment. In-ground swimming pools can be fun, however in addition to a big price tag they also cost more on your utilities and insurance, while eliminating potential buyers who don’t want a pool. Adding a garage or other room additions to the house doesn’t typically offer much return on your long-term investment either.

Whether you’re planning to sell in the near future or stay in your home forever, a cash-out refinance can substantially increase the value of the property, as well as improve your quality of life. We at EnTrust Funding (ETF) encourage you to plan ahead, enjoy now, and earn on your investment in the future.

Are you ready to take advantage of your equity? We’re happy to answer your questions about cash-out refinancing and provide up-to-date and competitive rates. We’re dedicated to providing you with the tools, guidance and support to ensure your financial success.

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