Love Your Mortgage: A Financial Check-Up Before Spring

Blog posted On February 12, 2026

“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.