It usually starts with something small. A drawer that sticks. A faucet that’s been “just fine” for years. Maybe it’s one too many dinners cooked on outdated countertops, or the realization—somewhere between the morning rush and your third cup of coffee—that your kitchen just doesn’t work for your life anymore.

If you bought your home before 2020, chances are you're sitting on a low-interest mortgage and a whole lot of equity. In Lynnfield, where property values have surged over the past five years, that equity isn’t just sitting pretty—it’s a tool.