You’ve dreamt about renovating your kitchen for years — it was outdated, cramped, and lacked storage. But every time you looked at your options, the numbers were overwhelming. You didn’t want to refinance your mortgage and give up your great rate, or take out a personal loan with high interest.
Then you discovered a Home Equity Line of Credit (HELOC) through Better — and everything changed.
Wait… what is a HELOC?
A HELOC is basically a way to borrow against the equity you already have in your home, kind of like a credit card but with a much lower interest rate. And you only borrow what you need, when you need it.
You don’t have to refinance your mortgage or sell anything. You just unlock some of the value sitting in your house and use it for… whatever! In this case, maybe a kitchen that doesn’t make you want to scream every time you open a cabinet.
Why you might want to go with Better
You could explore a few lenders, but Better makes it way easier than you might expect.
- The application is 100% online. No appointments. No digging through a filing cabinet for a decade’s worth of paperwork.
- You can get pre-approved in as little as 3 minutes, with no impact to your credit.
- If you’re approved, you can get your cash in as little as 7 days, which is great if your contractor has a rare opening you don’t want to miss.
- No hidden fees, and you might not even need an appraisal (which saves extra time and money).
- The interest rates on Better’s HELOC are much more competitive than any personal loan or credit card option you’ll likely find.
- You can borrow up to 90% of your properties value, up to $500,000 – and it’s available on primary, secondary, and even investment properties.
Overall, it could be one of the most low-stress financial processes you ever go through.
Why it’s 100% worth it
Once you’ve got the funds, you can knock down a wall, upgrade to soft-close cabinets (life-changing, truly), or put in a big island that doubles as your WFH spot and dinner prep zone. It’ll feel open, bright, and finally work for the way you live.
In the short term, it’ll make your home feel so much better. You might actually enjoy cooking again and find yourself hanging out in the kitchen. It’ll be cozy, flow better, and feel more like home.
A smart investment that builds over time
Renovating your home isn’t just about creating a space that works for your life today — it’s also a powerful way to build equity for the future. Kitchen remodels, in particular, add serious value to your home.
So even if you’re not planning to sell anytime soon, it’s nice knowing you’re adding to your house’s value. By using a HELOC through Better to make those upgrades now, you're investing in both your comfort now, and your financial future long-term.
If you’re considering a HELOC…
If you’ve built up equity in your home, don’t sleep on it – especially if there’s a renovation you’ve been dreaming about for years. A HELOC through Better could give you the flexibility and breathing room to finally make it happen.
Better makes that possible without the overwhelm or the fine print. Got a home project that keeps getting pushed off because of budget? This might be the thing that finally helps you cross it off your list.
If you’re a homeowner with big plans and untapped equity, applying for a HELOC could be the smartest first step.
