If refinancing is not an option or doesn't fit your needs, there are alternatives available for accessing funds without going through the refinancing process. One option is a home equity loan or HELOC, as mentioned earlier, where you borrow against the equity in your home. Another possibility is taking out a personal loan from a bank or credit union specifically meant for renovations or upgrades. Alternatively, some homeowners may choose to save up money gradually before undertaking any significant renovations, which eliminates the need for borrowing altogether but involves more extended planning and patience. Ultimately, it's important to evaluate each alternative based on its feasibility and how it aligns with your financial situation and goals before making any decisions.