Sometimes, the house of your dreams is the one you're already living in. With just a few changes-a new kitchen, an addition, a new pool or some curb appeal-your home could be everything you want it to be. It's easy. There's never been a better time to access the funds. Take advantage of historic low mortgage rates and rising real estate values by tapping into your home's equity. Countless studies show home improvement projects and renovations are a smart way to increase the value of a home. It's an investment in your future and your quality of life. Using your home equity to consolidate your debt, you can improve monthly cash flow, have one easy payment, and be mortgage-free quicker.