Fall 2021 Home Décor Ideas

9/22/2021

How’s your home looking these days? If you’re longing for a decorative makeover, or even a remodel, it might be easier than you think. Why not consider taking out a home equity loan to fund your next home project?

When you’re a homeowner, you can take out loans against your home equity—that’s the property value minus the balance left on your mortgage—to fund projects like remodeling, redecorating and making your space more comfortable. As your home’s market value appreciates, and as you pay more money against your mortgage, your equity will increase. That gives you the leverage you need for loans. Bonus: If you choose redecorating or remodeling projects that increase your home’s value, you’ll be in even better shape by the time you pay off your home equity loan!

Here are some ideas to inspire your fall 2021 redecorating.

Think "warm and cozy"

When it comes to decorating for fall, “warm and cozy” is the name of the game. Choose warm-toned colors that complement your existing décor. If you’re still dealing with outdated colors, fixtures and carpeting, a home equity loan can make it possible to update your paint and flooring and bring your home into the 21st century.

For surface-level redecorating projects, pick accents that make you want to curl up in front of the fireplace after a day of pumpkin picking. Fuzzy throw blankets, plush pillows and seasonal greenery can transform your home into an autumn wonderland. Don’t forget pillar candles, metallic accents and pumpkin-accented tablescapes. If your décor is less than neutral and you’re not prepared to change up the palette, adding copper or gold accessories gives the room a touch of fall flair.

Need new furniture? That’s another great use for your home equity loan. New sofas, loveseats and other furniture can be smart upgrades. If you choose neutral, high-quality pieces, they’ll work with any seasonal décor.

Finally, this is a great opportunity to go all out and finally get that kitchen or bathroom remodel you’ve been craving. Fall is usually a slower season for contractors, so you may be able to get a better deal on your remodeling efforts. Thanksgiving will be a lot more fun with double ovens—or a giant tub in which to relax afterwards.

Don't forget about the exterior

Whether you’re decorating for this autumn or want to upgrade your home in general, make sure you give the exterior just as much TLC as the inside. Home equity loans make it possible to hire professional landscapers and painters, replace your front door or add warm, cozy lighting to your home. After all, curb appeal is everything—and the right exterior upgrades could instantly add more value to your property.

If you’re doing minor sprucing up, use seasonal wreaths and signs, greenery, lights and other décor as desired. (Maybe it’s finally time to invest in that 12-foot-tall Home Depot skeleton.) Don’t forget the fresh pumpkins! Click here to learn more about home equity loans and apply today.



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