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Tips for Creating a Fantastic Outdoor Space

For some, summer is the ideal time to make use of your outdoor space. For others, it’s just too hot in the summer in Alabama, and fall is more your speed.

If you fall into the latter category – and you are not alone – you may be dreaming of an outdoor space where you can enjoy the cooler weather that’s coming sooner or later.

This article from This Old House has 42 ideas that you’ll want to check out. And amazingly missing from those 42 ideas is what may be the most important item: a massive TV for watching college football.

Aside from that, here are a few of our favorite ideas:

  • Patio pavers
  • Easy-care furnishings
  • An outdoor ceiling fan (this kinda feels like a must, huh?)
  • A fire pit
  • Screens (so the mosquitos stay outside)
  • Potted plants
  • An awning
  • Paint the floor

Thankfully, we have a great idea on how to help you pay for it too: tap into your home’s equity.

We currently have three great introductory1 offers:

  • 75% APR introductory fixed rate for 12 months
  • 75% APR introductory fixed rate for 24 months
  • 25% APR introductory fixed rate for 36 months

After the introductory fixed-rate period, the APR will vary based on the prime rate plus a margin2 ranging from 0% to 2.50%. As of July 1, 2021, the prime rate was 3.25%. Current variable rates range from 3.25% APR to 5.75% APR.

If this sounds like a great way for you to make that dream outdoor living space a reality, click here to apply for a HELOC today.

1The 12-month and 24-month introductory fixed-rate offers are not available if the property has been used by the current owners to secure another Home Equity Line of Credit in the past three years at Avadian. Cannot be combined with other special promotions. Property insurance is required. All rates and offers are subject to change without notice.

2The amount of the margin will vary based on several factors, including creditworthiness and loan to value ratio. Maximum lifetime rate on Home Equity Line of Credit is 15.00% APR. Closing costs will be waived with a minimum advance at closing of $10,000. (The $10,000 must be new money.) Closing costs and other fees are estimated to be between $300 and $700. If the Home Equity Line of Credit falls below $9,000 in the first six months, you will have to reimburse the closing costs waived by the credit union.

Equal Housing Opportunity Lender

NMLS #422274



The credit union is federally insured by the NCUA. Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.
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