Home Equity Archives - Utah First Credit Union

Oct 12, 2026 / Home Equity

Haunted by High-Interest Debt? How a HELOC Could Help

Opening a credit card statement when you have high-interest balances can be scarier than checking behind the shower curtain while you’re home alone. If you’re a homeowner with credit card debt taking up more room in your life than you’d like, a home equity line of credit (HELOC) can help you consolidate those high-interest balances…

Aug 04, 2026 / Home Equity

6 HELOC Upgrades for a Smoother School Year

Back-to-school season is here, and the supply list might be a little longer than it used to be. Along with pencils and binders, your family may be budgeting for tuition, technology, dorm essentials, and home spaces that make it easier to study, stay organized, and…

Jul 28, 2026 / Home Equity

When Does Refinancing Make Sense? A Utah Homeowner’s Checklist

At Utah First Credit Union, we know Utah homeowners often wonder, “When is the right time to refinance my home?” Refinancing can be a savvy move if it aligns with your financial goals – whether that’s saving money on your monthly payment or tapping into…

Illustration of houses with fireworks in the background

Jul 07, 2026 / Home Equity

Spark Financial Freedom With Your HELOC This Summer

Summer has officially arrived! The grills are fired up, fireworks have gone off, and chances are you’ve already started thinking about what’s next — whether that’s finally tackling a home project, taking a family vacation, or getting ahead on a financial goal that’s been hanging…

Illustration of coin dropping into a house like a piggy bank

Jun 08, 2026 / Home Equity

Turn Your Home Equity Into Opportunity With a Cash-Out Refinance

Your home does a lot more than give you a cozy place to land at the end of the day. As you pay down your mortgage and your home grows in value, you build equity that can help fund your next goals. Cash-out refinancing is…

Woman with thought bubble showing options for using a HELOC

May 20, 2026 / Home Equity

Smart and Creative Ways to Use a HELOC

When you hear the term Home Equity Line of Credit (HELOC), you probably think about home improvement projects. And while using a HELOC to upgrade your home is certainly one of the most common—and smartest—uses, it’s far from the only option. A HELOC is one…

Illustration of a house in a tropical environment

Apr 28, 2026 / Home Equity

4 HELOC-Powered Resort Makeover Ideas for Your Backyard

Vacations are always over too soon. After a week, you’ve got a great tan and fun photos, then it’s back to real life. But what if you could slip into vacation mode anytime with the perfect retreat in your own backyard? When your outdoor space is designed like a getaway, you don’t have to…

Woman with illustration comparing HELOCs with home refinancing

Apr 15, 2026 / Home Equity

Refinance vs. HELOC: Which Is Better for Home Improvements?

Thinking about upgrading your kitchen, adding a home office, or finally tackling that backyard makeover? Home improvements are exciting, but figuring out how to pay for them can feel a little less fun. The good news is that if you’ve built equity in your home, you already have options!…

Apr 10, 2026 / Home Equity

How Does a HELOC Work?

You’ve probably heard all about a home equity line of credit (HELOC). It’s a revolving line of credit that lets you use as much or as little of your available HELOC funds as you want, for whatever you want, whenever you need it. It’s a…

Mar 30, 2026 / Home Equity

Six HELOC-Worthy Outdoor Upgrades for Spring

Spring has sprung early this year! The temps are gorgeous, the days are getting longer, and somewhere between that bare patch of lawn and the grill, there’s a vision of the outdoor space you’ve been putting off for years. Thankfully, if you’ve got a Utah…