Can’t Afford Expensive Home Repairs?
Your Home Equity May Give You Options.
Major home repairs can be expensive — and many homeowners don’t have enough cash available to cover them, even when they have substantial equity in their home. That gap between what you owe and what your home is worth may open up possibilities. House Partner helps Utah homeowners explore equity-based options when expensive repairs stand in the way.
See My OptionsCan’t afford $30,000 in repairs? Your home equity may give you options.
Your home’s existing value may give you another option.
Home Value
$500k
Mortgage
$300k
Your Equity
$200k
Repair Need
$30,000
You may have a major repair problem without having an equity problem. House Partner may be able to help bridge that gap.
Hypothetical example for illustration only. Not a guarantee of any amount or outcome.
Depending on your situation and available equity, House Partner may be able to help cover qualifying home repairs through a flexible equity-based solution. This isn’t a loan or HELOC — and there are no monthly loan payments.
Not every homeowner will qualify. There’s no obligation to move forward.
How It Works
Tell us what's going on
Share your property information and the repairs you're facing. Takes about two minutes.
Explore your options
We'll review your situation and determine what options House Partner may be able to offer based on your home's equity.
You decide what comes next
You're in control. Review what's available and decide whether to move forward — no pressure, no obligation.
Tell Us About Your Situation
Tell us about your property and the repairs you’re facing.
House Partner’s Equity-Based Repair Solution
If your home needs major repairs and you don’t have the cash to cover them — but you do have meaningful equity in your home — House Partner may have an alternative worth exploring.
You tell us about your situation
We’ll learn about your property, the repairs you’re facing, and your overall situation to determine whether House Partner may be able to help.
We evaluate whether it’s a fit
House Partner reviews your home’s equity position, the repairs you’re facing, and your overall situation. Not every property or situation will qualify — we’ll be straightforward about whether we may be able to help.
A flexible, equity-based solution
Depending on your situation and available equity, House Partner may be able to help cover qualifying home repairs through a flexible equity-based solution. This is not a loan or HELOC, and there are no monthly loan payments. Potential solutions are tailored to each homeowner’s situation — speak with House Partner directly to understand what a solution could look like for your property.
You stay in control
You decide whether the solution works for you. There’s no obligation to move forward at any point.
This is a general description of how House Partner’s equity-based approach may work. Specific terms, eligibility, and availability depend on the individual property and situation. House Partner does not guarantee funding, and not every homeowner will qualify. This is not a loan product.
Your Options When You Can’t Afford Home Repairs
If your home needs work you can’t pay for out of pocket, you’re not stuck. The right path depends on your situation, your equity, and your timeline. Here are some options worth considering.
Explore an equity-based solution with House Partner
If you have meaningful equity in your home, House Partner may be able to help cover qualifying repairs through a flexible equity-based solution — not a loan, and no monthly loan payments. Not every homeowner will qualify, but it may be worth a conversation.
Consider a HELOC or home-equity loan
If you qualify, a home-equity line of credit (HELOC) or home-equity loan lets you borrow against your equity to pay for repairs. These are traditional debt products — you’ll take on a loan secured by your home, with interest, monthly payments, and qualification requirements set by the lender.
Make only critical repairs
Some repairs — especially those affecting safety or habitability — may be worth prioritizing over others. A licensed home inspector or contractor can help identify which repairs are most urgent. Local and state programs may also offer repair assistance for qualifying homeowners.
Sell the property as is
Selling your home in its current condition without making repairs is another option. You may receive a lower sale price, but you avoid the cost and uncertainty of completing repairs first. Selling as is does not necessarily eliminate disclosure obligations — consult a real estate attorney for guidance.
The right option depends on your specific situation, the type and cost of repairs needed, your equity position, and your timeline. Consider consulting with a licensed real estate agent or financial advisor.
Expensive Repairs That Utah Homeowners Commonly Face
Some repair needs are manageable. Others can be a serious financial burden — more than many homeowners can cover out of pocket. These are some of the most common situations that lead people to explore their options.
Roof replacement — One of the most expensive home repairs, with costs that vary widely depending on roof size, materials, and complexity
Foundation issues — Structural problems that can be among the costliest to repair, especially in older homes
HVAC system replacement — Replacing a heating and cooling system is a significant expense, especially in Utah’s climate
Water damage or mold remediation — Costs vary widely and may involve multiple trades
Electrical or plumbing updates — Aging systems may require substantial repairs or full replacement, especially in older Utah homes
Siding, windows, or exterior — Deferred maintenance that compounds over time and can affect the home’s value and livability
If you’re facing one or more of these situations and don’t have the cash on hand, you’re not alone. Many Utah homeowners explore equity-based options or other alternatives to address the situation.
Repair costs vary significantly by property, scope of work, location, and contractor.
Your Equity May Be the Key
You may have a major repair problem without having an equity problem. If your home is worth more than you owe, that equity may open up options you haven’t considered — including House Partner’s flexible equity-based approach.
Understanding your options is the first step. There’s no cost and no obligation to find out what may be possible. Learn more about the situations House Partner helps with.
Tell Us About Your SituationNot dealing with repairs? Explore foreclosure options, Explore debt options, or see all situations we help with.