Blogs

Love Your Mortgage: A Financial Check-Up Before Spring

"Home is wherever I'm with you." - Edward Sharpe and the Magnetic Zeros The season of love is upon us! Chocolates, roses, cheesy cards, and fancy dates await. But why not give some love for your home, a place of cherished memories and stability? If you need to tweak your home loan to adapt to your changing lifestyle, now's the time to look into your options.

Published Feb. 12, 2026

Share on

“Home is wherever I’m with you.” – Edward Sharpe and the Magnetic Zeros

The season of love is upon us! Chocolates, roses, cheesy cards, and fancy dates await. But why not give some love to your home, a place of cherished memories and stability? If you need to tweak your home loan to adapt to your changing lifestyle, now’s the time to look into your options.

Loan Terms: Is It Time to Change Up Your Mortgage?

Unlike a marriage, your current mortgage isn’t a lifelong commitment. Through refinancing, you can adjust the original terms of your loan to adapt to your lifestyle. For instance, if you have private mortgage insurance (PMI) but can now qualify without it, you can refinance to have it removed.

Reasons to Update Your Mortgage

  • Convert your traditional mortgage into the All In One Loan® to potentially expedite loan payoff through combined banking
  • Reduce or remove your PMI completely if your financials have changed
  • Update from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage
  • Refinance from a 30-year to a 15-year mortgage to pay less interest over time if your income can support higher payments
  • You need to add or remove a borrower
  • You may qualify for a lower interest rate, whether it’s due to the shifting economy or an improved credit score
  • You want to tap into your home equity (more on that below!)

Renovation Loans: Give Your Home a Little TLC

Like a fresh haircut or makeover before Valentine’s Day, your home might also need a slick remodel. While you treat yourself to a mani-pedi for date night, you can treat your home to a new paint job by unlocking your home equity!

Refinance & Renovation Options

  • Cash-Out Refinances

A cash-out refinance is a type of mortgage refinance that lets you convert your home equity into cash. It essentially gives you a lump sum when you close, which can be used towards renovations.

  • Home Equity Line of Credit (HELOC)

A HELOC uses the equity you have built in your home as a revolving line of credit, essentially functioning as a credit card. You can withdraw money from your HELOC to finance home renovations!

  • Flex HELOC

Our Flex HELOC allows enhanced flexibility to the standard HELOC, built to move quickly and give homeowners even easier access to equity. You apply, get approved, and get up to $750,000 in as little as 3 days!*

  • HomeStyle® Energy Loan

Fannie Mae’s flexible financing solution for energy-related improvements! This loan can encompass a wide range of energy-efficient updates, offering affordable and simple options.

“Where we love is home, home that our feet may leave, but not our hearts.” – Oliver Wendell Holmes, Sr.

With love in the air, try to give a little love and care to your home this month. And for future homeowners looking to fall in love with a new home this spring, ask us about our HomeFundIt™ platform to help raise money for your down payment. Commit yourself to homeownership, today!

Source: NerdWallet, CBS News, TODAY.com

*Your maximum loan amount may be lower than $750,000 and will ultimately depend on your home value and equity at the time of application. Three business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.

Resources & Insights

Related Content

Fall Into Comfort: 5 Ways to Cozy Up Your Home

A hush in the air, a trickle of rain urging the comfort of blankets and piping hot cider, the crunching of leaves as you set up a crackling bonfire for marshmallows — all indications that fall is upon us and continuing in earnest! And with the spooky season comes creative ways you can decorate your home to further envelop yourself within the embrace of autumn, whether you want to make subtle alterations to your home with pumpkins or take advantage of larger renovations like adding a fireplace or completely redoing your backyard area. Here are five easy ways to transition your decor for the cozy months ahead:

Get Ahead of the Holidays: Tap Your Home Equity Early

The holidays are full of excitement, but they can also bring financial stress. With Thanksgiving, Black Friday, and Christmas approaching, winter expenses can add up quickly, and high-interest debt (like credit card bills) can linger well into the new year. Whether you want to purchase a home or use your home equity to ease expenses, we can help you make this season full of joy. Why don’t we take a gander at the ways that you can make the holidays work for you?

Mortgage Terminology 101: What Every Home Buyer Should Know

Like any field or industry, a boatload of terms goes hand-in-hand with the mortgage world. For home buyers, it can be an overwhelming process, with unfamiliar terms being flung at you left and right. But just because it can be a lot at once doesn’t mean it has to be. We’ve compiled some of the most commonly used words and phrases that are pertinent to the home buying process. We hope this helps set you up for success as your home loan gets closer to the finish line!

Upgrade Your Summer: Use Your Equity to Buy a Vacation Home

Picture this: sunlight shimmering off of rolling waves, blanketed by blissful heat, sipping a mango lemonade as condensation drips onto the sand, utterly

Contact Apply