NerdWallet - September 7, 2025

Can a HELOC build your dream deck?

How to get a grill-worthy setup by summer 🌞 ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

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NERDY TAKEAWAY

HELOCs borrow against your home’s equity, making them a smart choice for building the fancy-wood deck of your dreams.

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How a HELOC can help build an epic deck

Picture this: It’s almost barbecue season and you want to splurge on a new deck (because someone’s gotta step it up for the annual family reunion), but you don’t want to put it all on your credit card.

The solution? Paying with a home equity line of credit (HELOC), which lets you put the hard-earned equity you’ve built in your home to work. Your loan comes with a low interest rate and flexible borrowing terms so everything is smooth sailing until, suddenly, what you thought would be a $10,000 renovation quickly becomes a $20,000 renovation. How’d that happen? Well you wanted the fancy wood and the nice tables.

 Other people might have been stressed but you were smart and got a HELOC which lets you borrow exactly as much as you need. In the end, you’re left with a grand deck that will greatly add to the re-sale value of your home. The only issue is: how are you ever supposed to leave a home with the most epic deck ever?

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