Financing Summer Home Projects: HELOC, Loan, or Savings?

Whether you’re tackling unexpected repairs or taking on upgrades you’ve planned for years, summer is busy season for home projects. And financing choices matter because renovation costs add up quickly: according to a recent U.S. Houzz & Home Study, median renovation spend held at $20,000 in 2025, while high-end project spending rose to $150,000.
