The closing prices will typically be subtracted from the money you’re getting, so that you won’t need to pay something out of pocket. In most cases, you’ll want to depart some money within the home to refinance. That means $40,000 stays in the home, and you are taking out $25,000, minus closing prices , in money. Refinancing is a low-interest way to get tax-free cash for transforming your kitchen, finishing your basement or something you choose. Who higher to offer home improvement tips than HGTV Canada stars like Bryan Baeumler, Sarah Richardson and Brian Gluckstein?

• Houzz, an internet home transforming