FHA Loan Requirements in 2026: A Complete Guide for Tucson Homebuyers
Aug 31, 2020By Derrick Polder • NMLS #207630 • Published: Original Publication Date 6.22.26 • Updated: June 30, 2026
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Invest in Your Home's Future with Smart Renovations
If you've spent time watching popular home renovation shows featuring Chip and Joanna Gaines, you've probably wondered whether those stunning transformations are truly worth the investment. While not every remodeling project delivers the same return, certain upgrades can significantly improve your home's value while making it more enjoyable to live in.
At The Polder Group at CrossCountry Mortgage, we help Arizona homeowners explore financing options for home improvements that fit their goals and budget. Whether you're planning to stay in your home for years or preparing to sell, these renovations may offer some of the best returns on investment (ROI).
One of the highest-return home improvement projects is surprisingly simple: replacing your garage door.
A modern garage door instantly enhances curb appeal, improves energy efficiency, and creates a great first impression for potential buyers. Replacing an older 16-by-7-foot garage door with a newer four-section model has consistently ranked among the best remodeling investments.
Average Cost: $3,695
Average Resale Value: $3,491
Estimated ROI: 94.5%
The kitchen remains one of the most important rooms for both homeowners and buyers. Fortunately, you don't always need a full remodel to make a noticeable difference.
A minor kitchen update may include:
These relatively modest improvements can make the space feel fresh and inviting while offering a strong return.
Average Cost: $23,452
Average Resale Value: $18,206
Estimated ROI: 77.6%
If you're considering financing your renovation, learn about available Loan Programs at https://www.thepoldergroup.com/mortgage-loan-programs-tucson.
Your home's exterior is one of the first things buyers notice.
Damaged or outdated siding can make an otherwise beautiful property appear neglected. Replacing siding improves curb appeal while helping protect your home from weather and moisture.
Although this project is especially beneficial in climates with frequent rain and harsh weather, Arizona homeowners can also benefit from improved energy efficiency and refreshed exterior aesthetics.
Average Cost: $17,008
Average Resale Value: $13,195
Estimated ROI: 77.6%
Bathrooms are another area where thoughtful updates can make a lasting impression.
Simple improvements such as:
can modernize the space without requiring a complete renovation.
For projects involving plumbing or structural work, consult qualified professionals before beginning construction.
Average Cost: $20,420
Average Resale Value: $13,717
Estimated ROI: 67.2%
Outdoor living continues to be a major selling point for many buyers.
Whether you're adding a wood deck, updating patio furniture, installing outdoor lighting, or improving landscaping, these enhancements create additional usable living space for relaxing and entertaining.
While larger projects such as pools or extensive landscaping require a bigger investment, even modest improvements can enhance your home's appeal.
Average Cost: $56,906
Average Resale Value: $31,430
Estimated ROI: 55.2%
If you're planning renovations but don't want to pay for everything upfront, financing may be an option depending on your goals and qualifications. The Polder Group at CrossCountry Mortgage offers a variety of mortgage solutions that may help homeowners renovate, refinance, or purchase homes that better fit their needs.
If you're considering improvements before selling or simply want to create your dream home, our team is here to help you explore your options.
Garage door replacement consistently ranks among the highest ROI home improvement projects, often returning over 90% of its cost.
Minor kitchen updates generally provide a stronger return than luxury renovations while making the home more attractive to buyers.
Depending on your financial situation and eligibility, several mortgage and renovation financing options may be available. Speaking with a licensed mortgage professional can help determine the best solution for your needs.
Whether you're renovating your current home, exploring refinancing options, or planning your next home purchase, The Polder Group at CrossCountry Mortgage is here to help.
Contact our team today to discuss your financing options, get pre-qualified, or learn more about mortgage solutions available throughout Tucson and Southern Arizona.
This article is for educational purposes only and does not constitute financial or mortgage advice. Loan programs, rates, and guidelines may change at any time. All loans are subject to credit approval and underwriting. For guidance tailored to your situation, consult a licensed mortgage professional.
By Derrick Polder • NMLS #207630 • Published: Original Publication Date 6.22.26 • Updated: June 30, 2026
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