Summer is right around the corner, and for many homeowners, that means it’s time to tackle the projects that have built up through the winter and spring. Perhaps you have a growing to-do list for summer prep, or maybe you’re considering upgrades to improve comfort and efficiency before the heat sets in. Regardless, thoroughly preparing your home makes the entire season more enjoyable and protects your long-term investment.

Tackle your home update to-do list

Preparing your home for summer doesn’t always require a major renovation. You can complete all your home projects with a little time, planning, and a can-do attitude.

• Clean and service your HVAC system. Replace or clean air filters and clear debris from outdoor units to improve airflow and efficiency.
• Seal windows and doors. Use weatherstripping or caulk to close any gaps that could allow cool air to escape and warm air to enter.
• Refresh outdoor spaces. Power wash decks, patios, and siding to remove buildup and create a clean, inviting environment where you’ll want to spend time. You can rent a power washer from any local hardware or home improvement store for a fraction of the price a professional would charge you.
• Inspect gutters and downspouts. Prevent water damage by clearing leaves and debris to ensure proper drainage during spring and summer storms.

Home improvements

For homeowners ready to take things a step further, a few strategic improvements can enhance both comfort and property value during the summer months.

• Upgrade your outdoor living area. Adding a deck extension, pergola, or shaded seating area creates a functional space for relaxing and entertaining.
• Install or upgrade ceiling fans. Proper air circulation helps rooms feel cooler and increases the efficiency of your air conditioning.
• Improve landscaping and drainage. Thoughtful grading, planting, and irrigation updates can boost curb appeal while protecting your home’s foundation. Planting trees or other greenery around windows can also keep your home cooler.
• Consider warmer months for kitchen upgrades. Plan to remodel your kitchen during the summer months to take advantage of the warmer weather for outdoor grilling and to avoid using the stove indoors.

Go green

Energy efficiency is another key consideration, especially as temperatures rise and cooling systems work harder. Strategic updates can lower your utility bill and keep your home comfortable at the same time. Many energy companies, such as DTE Energy and Consumers Energy, offer rebates to make energy efficient upgrades (such as insulation, windows and smart thermostats) to your home. Both DTE Energy and Consumers Energy also offer home energy audits to make sure your home is as efficient as possible.

• Upgrade insulation. Improving attic or wall insulation helps maintain consistent indoor temperatures and reduces energy loss.
• Install a smart thermostat. An automated temperature control allows you to optimize cooling schedules and reduce unnecessary energy use.
• Install double or triple-glazed windows or add thermal curtains. Energy-efficient windows can significantly reduce the level of heat that's entering your home, and thermal curtains or blinds can block direct sunlight.
• Replace your roof. Environmentally friendly “cool roofs” can help you save on your energy bill by reflecting more sunlight and absorbing less heat than a traditional roof can.

How MSGCU can help around the house this summer

While many of these projects can save you money in the long-term, the upfront cost of home improvements or upgrades can feel intimidating. At MSGCU, we offer several solutions to help you accomplish your home improvement goals with confidence. Here’s a few ways we can help:

1. Home Equity Loan. Ideal for larger renovations, a home equity loan provides a lump sum with a fixed rate and predictable monthly payments. This option works well for defined projects like a deck addition or insulation upgrade and provides lower interest rates to boot.
2. Home Equity Line of Credit (HELOC). A HELOC offers more flexibility by allowing you to draw funds as needed over time. This is perfect for phased projects, or if costs may vary along the way. HELOCs also typically offer lower interest rates compared to other forms of borrowing, making them a cost-effective way to invest in your home. Our Interest-Only (IO-HELOC) option offers an ideal short-term solution for funding large projects while keeping your immediate monthly obligations low.
3. MSGCU’s Visa cards. The MSGCU Rewards Visa card is a useful tool for purchases such as materials, tools, or contractor deposits. You can earn points or cash back on everyday spending, which helps offset the overall cost of your projects when used responsibly. MSGCU’s Titanium and Classic Visa cards both offer traditionally lower, fixed interest rates than leading competitor credit cards do.

If you want to enhance the quality of your daily life while adding long-term value to your property, give us a call at 866-674-2848, make an appointment at any of our 24 branches, or contact us online. With the right plan and the right financial support, MSGCU can help bring your vision to life.

Category: Home