HOMEfix + Figure: A Smarter Way to Finance Home Improvements

Home improvement projects have a funny way of starting small.

Maybe you're replacing a roof after a hailstorm. Maybe your HVAC system finally decides it's had enough. Maybe you've been dreaming about remodeling your kitchen, finishing your basement, or building the outdoor living space you've always wanted.

Then reality sets in.

Quality home improvements are an investment.

And while most homeowners understand the value of maintaining and improving their homes, not everyone wants to pay for major projects out of pocket.

That's why we're excited to announce our partnership with Figure.

At HOMEfix, we've always believed that homeowners deserve a simpler, more transparent experience. That philosophy extends beyond the work we do—it also applies to how projects are financed.

Our partnership with Figure gives homeowners another way to move forward with important home improvement projects without delaying plans, draining savings accounts, or settling for temporary fixes.

Whether you're replacing a roof, remodeling a kitchen, upgrading your HVAC system, or tackling multiple projects at once, financing can help make those improvements possible sooner.

Here's everything you need to know about our partnership with Figure, how home improvement financing works, and why more homeowners are choosing to invest in their homes today instead of waiting for "someday."

Why Homeowners Delay Important Home Improvements

Most homeowners don't put off projects because they don't want them.

They put them off because life gets busy.

The kitchen still functions.

The roof isn't leaking yet.

The basement can wait another year.

The HVAC system is still hanging on.

At least that's what we tell ourselves.

The challenge is that many home issues become more expensive the longer they're ignored.

A small roof problem can become water damage.

An aging HVAC system can lead to higher utility bills.

An outdated kitchen can continue causing daily frustrations for years.

A water heater nearing the end of its life can fail unexpectedly.

→ Read: The Most Expensive Home Repairs Start Small

In many cases, delaying improvements doesn't eliminate the expense, it simply postpones it.

Sometimes at a much higher cost.

Why More Homeowners Are Investing in Their Existing Homes

For years, homeowners who outgrew their space often chose to move.

Today, many are making a different decision.

Instead of searching for a new house, they're improving the one they already have.

There are several reasons why.

Higher Moving Costs

Moving is expensive.

Beyond the purchase price of a new home, homeowners often face:

• Closing costs
• Moving expenses
• New furniture purchases
• Repairs and updates
• Increased property taxes
• Higher utility costs

For many families, remodeling their current home provides a better return on investment.

Personalized Spaces

A remodel allows homeowners to create spaces specifically designed for their lifestyle.

Instead of compromising on a new home, they can improve:

• Kitchens
• Bathrooms
• Basements
• Outdoor living areas
• Storage solutions
• Home offices

The result is a home that better reflects how they actually live.

Protecting Home Equity

Home improvements often represent investments in one of a family's largest assets.

Strategic projects can improve:

• Functionality
• Comfort
• Efficiency
• Long-term value

What Is Figure?

Figure is a financial technology company focused on helping homeowners access financing solutions quickly and efficiently.

Their platform is designed to simplify the financing process and provide homeowners with a modern alternative to traditional lending experiences.

At HOMEfix, we're always looking for ways to improve the customer experience.

That includes helping homeowners explore financing options that make large projects more manageable.

Our partnership with Figure helps create a smoother path from planning a project to completing it.

Why HOMEfix Chose to Partner With Figure

When evaluating financing partners, we wanted more than just another lending option.

We wanted a solution that aligned with the same values we bring to every project:

• Simplicity
• Transparency
• Convenience
• Customer-focused service

Homeowners already have enough decisions to make during a renovation.

The financing process shouldn't add unnecessary stress.

By partnering with Figure, we're able to provide homeowners with another option when considering how to fund their projects.

What Types of Projects Can Financing Help With?

One of the biggest misconceptions about home improvement financing is that it's only for massive renovations.

In reality, homeowners use financing for projects of all sizes.

Kitchen Remodels

Kitchen renovations remain one of the most popular home improvement projects.

Common upgrades include:

• New cabinetry
• Countertops
• Islands
• Lighting
• Flooring
• Appliance upgrades

Many homeowners choose financing because it allows them to complete the entire project at once rather than tackling upgrades in stages.

Bathroom Remodels

Bathrooms are among the most-used spaces in any home.

Popular improvements include:

• Walk-in showers
• Updated vanities
• Additional storage
• New tile
• Modern fixtures

Financing can help homeowners create the bathroom they want without postponing the project for years.

Basement Finishing

Colorado homeowners love basements.

A finished basement can become:

• A family room
• A guest suite
• A home gym
• A home office
• An entertainment space

Adding usable square footage often creates tremendous value and functionality.

→ Read: Is Finishing Your Basement Worth It?

Roofing Projects

Unlike cosmetic upgrades, roofing projects are often driven by necessity.

Storm damage, aging materials, and leaks don't always occur at convenient times.

Financing can help homeowners address roofing concerns immediately rather than delaying critical repairs.

HVAC Replacements

Few homeowners plan for an HVAC replacement.

When systems fail, replacement often becomes urgent.

Financing can help families restore comfort without placing significant strain on household budgets.

→ Read: Should I Schedule an AC Tune-Up?

Whole Home Generators

Backup power is becoming increasingly important for homeowners.

A whole home generator provides:

• Peace of mind
• Convenience
• Protection during outages

Many homeowners choose financing to make this long-term investment more accessible.

Financing vs. Waiting: Which Costs More?

One of the most overlooked aspects of home improvement is the cost of waiting.

Consider a few examples.

Delaying a Roof Replacement

Waiting may lead to:

• Water damage
• Insulation problems
• Structural issues
• Interior repairs

Delaying HVAC Replacement

An aging system may:

• Increase energy bills
• Require repeated repairs
• Provide inconsistent comfort

Delaying Remodeling Projects

Homeowners often spend years living with:

• Inefficient layouts
• Limited storage
• Outdated finishes
• Frustrating functionality

The question isn't always whether a project will happen.

It's often whether it makes sense to do it now or later.

Why Homeowners Appreciate Financing Options

Every homeowner's financial situation is different.

Some prefer paying cash.

Others choose financing because it allows them to:

• Preserve savings
• Maintain emergency funds
• Complete projects sooner
• Address urgent repairs
• Invest in larger improvements

Providing options allows homeowners to choose the approach that best fits their goals.

Financing Can Help You Think Bigger

Many homeowners begin a project with a very specific scope.

Then they realize there may be opportunities to accomplish more while contractors are already on site.

For example:

Instead of replacing only countertops, they may remodel the entire kitchen.

Instead of updating a bathroom, they may improve storage and functionality as well.

Instead of repairing one section of a home, they may tackle several improvements simultaneously.

Financing can create flexibility when planning long-term investments in the home.

The HOMEfix Difference

At HOMEfix, we believe home improvement should feel exciting—not overwhelming.

That's why we've built our company around a simple goal:

Make homeownership easier.

Whether we're remodeling a kitchen, replacing a roof, installing a new HVAC system, or helping homeowners explore financing options, our focus remains the same.

We want homeowners to feel informed, confident, and supported throughout the entire process.

Our partnership with Figure is simply another extension of that commitment.

Questions to Ask Before Financing a Home Improvement Project

Before moving forward, homeowners should consider:

What are my long-term goals for the home?

Is this project solving a problem or improving functionality?

How long do I plan to stay in the home?

Will completing the project now improve quality of life?

What happens if I continue delaying the project?

Answering these questions often provides valuable perspective.

Home Improvements Are Investments in More Than Your House

When people think about home improvement, they often focus on property value.

That's important.

But value isn't measured only in dollars.

A remodeled kitchen creates better family experiences.

A finished basement provides more usable space.

A new HVAC system improves comfort.

A roof replacement protects everything underneath it.

A generator provides peace of mind.

The best home improvements don't just improve the house.

They improve the way you live.

Get Prequalified Today

Home improvement projects are rarely just about materials, finishes, or construction.

They're about creating a home that works better for your family.

At HOMEfix, we're committed to helping homeowners move forward with confidence, whether that means planning a remodel, replacing aging systems, or protecting their homes from future problems.

Our partnership with Figure helps provide another tool for making those projects possible.

→ Get Prequalified

Because sometimes the difference between putting off a project and moving forward with it comes down to having the right options available.

If you've been considering a remodel, roof replacement, HVAC upgrade, generator installation, or another home improvement project, now may be the perfect time to explore what's possible.

After all, the home you want may be closer than you think.