Compare your options before you spend
The decisions homeowners ask about most — broken down side by side, with cost, tradeoffs, and a clear recommendation framework.
Heat pump vs AC
A heat pump replaces both your AC and furnace and is 2–4× more efficient than electric resistance heat. It costs $2,000–$4,000 more upfront than a standalone AC, but federal tax credits cover up to $2,000 and most homeowners break even in 4–7 years.
HELOC vs personal loan
HELOCs offer lower variable rates (7–9% today) and tax-deductible interest when used for the home, but use your house as collateral. Personal loans are unsecured with fixed rates 9–18% — faster to close and safer if you can't tap equity.
HELOC vs renovation loan
A HELOC uses existing equity and lets you draw as needed. A renovation loan (FHA 203k, Fannie HomeStyle) is based on the home's after-improved value — better when you don't have enough equity yet.
Roof repair vs replace
Repair when the roof is under 15 years old, damage is isolated, and the repair costs less than 30% of a full replacement. Replace when leaks recur, decking is soft, or you're past 20 years on asphalt.
HVAC repair vs replace
Repair if the unit is under 10 years old and the fix is less than 30% of replacement. Replace if it's 15+ years, uses R-22 refrigerant, or has failed more than twice in a year.