A neighborhood series from Mike Kleckner
Good neighbors. Real conversations. Fresh ideas for making the home you already love work even better.
Meet out front
Front Yard Fridays brings neighbors together in a relaxed setting to connect, share ideas, and talk about the projects that can make a house feel more like home. Stop by the snow cone truck, grab a free iced coffee, and bring your four-legged neighbor along for a pup cup.
Have a remodel, repair, or outdoor upgrade in mind? Mike will be there to answer mortgage questions without the pressure—and help you understand whether using your home equity may fit your goals.
Finance the next chapter
Depending on your project, current mortgage, and financial goals, a cash-out refinance or a home equity line of credit may help fund the improvements.
Replaces your current mortgage with a new, larger loan. After paying off the existing mortgage and closing costs, you receive the remaining funds in cash. May fit: larger, defined projects when replacing the first mortgage makes financial sense.
A home equity line of credit is a separate, revolving credit line secured by your home. You can borrow as needed during the draw period and generally pay interest only on the amount used. Rates are typically variable. May fit: projects completed in stages or homeowners who want to keep their current first mortgage.
How it works
Tell us what you want to improve and how much you expect the project to cost.
We compare estimated equity, payment, costs, timing, and available loan options.
You decide whether refinancing supports the project and your bigger financial goals.
Payment calculator
Adjust the figures to explore estimated principal and interest. This is a starting point—not a loan quote.
Estimate includes principal, interest, and the taxes/insurance amount entered. It does not include mortgage insurance, HOA dues, closing costs, or other fees. Actual terms and payments may vary.
Let’s talk about the project