Kelly Schuit of W Home Group of Next Step Realty Provides Expert Insights on Financing Luxury Home Improvements
Kelly Schuit of W Home Group of Next Step Realty has released an in-depth guide to help new luxury homeowners understand how to finance renovations that elevate comfort, functionality, and long-term property value. As high-end buyers continue seeking personalized, move-in-ready spaces, Schuit’s guidance offers clarity on how to strategically fund improvements that transform a recently purchased house into a true dream home.
According to Schuit, even the most beautiful newly purchased luxury properties often require upgrades—whether it’s modernizing a kitchen, creating a spa-inspired primary suite, or designing a premium outdoor entertainment space. These enhancements not only enrich daily living but also meaningfully strengthen resale value in Maryland’s competitive luxury market.
In the newly released guidance, Schuit outlines the key financing tools available to homeowners, including home equity loans, HELOCs, personal loans, and cash-out refinancing. Each option offers unique benefits based on renovation scope, equity level, and long-term financial strategy.
For example, HELOCs provide flexibility for multi-phase or evolving projects, while home equity loans offer fixed-rate stability for large, clearly defined upgrades. Cash-out refinancing can be particularly beneficial for homeowners planning to stay long-term, especially if interest rates align favorably. Schuit emphasizes that understanding these options helps homeowners choose the financing structure that best fits both their project and their financial goals.
Schuit also encourages homeowners to consider the long-term return on investment when planning upgrades. Renovations such as smart home technology, high-efficiency systems, luxury bathroom enhancements, custom closets, and outdoor living features are among the most desirable in the luxury market and can significantly improve resale appeal.
“Buying a home is just the first step,” Schuit explains. “Luxury homeowners want a space that reflects their lifestyle and long-term vision. Smart financing allows them to make impactful upgrades early, ensuring their new home truly aligns with their personal needs from day one.”
Additionally, Schuit notes the importance of working with experienced professionals. From vetted contractors and designers to trusted lending partners, expert guidance helps ensure homeowners make well-informed decisions that blend market insight with individual preferences.
New homeowners who are considering renovations or exploring financing options are encouraged to connect with Kelly Schuit of W Home Group of Next Step Realty for personalized advice, lender recommendations, and strategic real estate insight.
