A home renovation is exciting! You’ve imagined the beautiful new kitchen, the updated flooring, the fresh cabinets, and those gorgeous countertops that bring everything together. But when you start adding up the costs, it’s easy to find yourself making compromises. Maybe the countertops will have to wait. Or perhaps you’ll replace the cabinets this year and finish the rest next year. With rising interest rates, these are the types of sacrifices we see our clients making when