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Can either a home equity loan or a new mortgage support your big decision: stay and renovate, or sell and start fresh in a new place?

Financial institutions remain among the top targets for hackers due to the valuable data and assets they protect. Cybercriminals frequently attempt to compromise accounts, steal debit and credit card data, or harvest personal information that can be sold on the Dark Web.

In 2025, home equity loans are more popular than ever — and it’s easy to see why. Many homeowners locked in historically low mortgage rates during the 2020-2023 mortgage refinance boom. And since then, home values across the Finger Lakes Region (and nationwide) have continued to rise, creating significant home equity – and exciting possibilities.

The value associated with the enjoyment of your family home cannot be understated. Putting your time and DIY skills to work offsets the cost of hiring a contractor and lowers the overall cost of home improvements.