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by Sarah Mitchell · October 2026Exciting new savings programs and home-service offers are now available, giving {STATE} homeowners smart new ways to save money and protect their biggest investment. These programs are so new, many people don't even know they exist! We've gathered the top 11 offers {STATE} homeowners may qualify for right now (plus a couple of bonus tips). You can look into as many of these as you like—just don't wait too long, as availability varies by area and some are only offered for a limited time. Be sure to check at least two from the list below before they're gone!
Many homeowners miss out on thousands of dollars in potential savings each year simply because they don't realize these options are available. To help, we put together this list of the top programs {STATE} homeowners should look into in 2026.
Note: Many of these programs are only available online, and some could close to new applicants as early as this month—so it's worth checking your eligibility as soon as possible.
Your roof is your home's first line of defense — but if it's more than 15 years old, has leaks, or shows signs of storm wear, it may be time for a replacement. A newer roof can improve energy efficiency, lower utility bills, and add to your home's value.
A new service makes it simple to compare. Enter your zip code to see if you qualify and get connected with trusted local roofing contractors in your area — at no cost and with no obligation.
Why look into it now?
See if you qualify — just 3 simple requirements:
✅ You own your home
✅ Your roof is roughly 10+ years old
✅ You live in a qualifying zip code
How old is your current roof?
Old, drafty windows can quietly add to your energy bills every month. Replacing them can make a home more comfortable year-round and may qualify for manufacturer or seasonal savings.
A new service is helping homeowners connect with trusted local window installers and compare free quotes side by side — so you can see your options without the pressure of a sales call.
See if you qualify — just 3 simple requirements:
✅ You own your home
✅ Your windows are original or aging
✅ You live in a qualifying zip code
How many windows are you looking to replace?
A modern walk-in shower can make a bathroom safer and easier to use — and many homeowners are surprised how quickly the upgrade can be done, often in as little as a day.
A new service helps homeowners connect with licensed local bath and shower pros to compare free quotes. There's no obligation — you simply see what's available in your area.
See if you qualify — just 3 simple requirements:
✅ You own your home
✅ You're considering a bath or shower update
✅ You live in a qualifying zip code
Clogged gutters are one of the most common causes of avoidable water damage — leading to roof leaks, foundation issues, and repairs that can run into the thousands. With fall leaves on the way, many homeowners are getting ahead of the mess with gutter guards.
A new service helps homeowners connect with trusted local installers and compare free quotes — a quick upgrade that keeps leaves and debris out while letting rainwater flow freely. There's no cost to check and no obligation.
See if you qualify — just 3 simple requirements:
✅ You own your home
✅ Your gutters are exposed to trees or debris
✅ You live in a qualifying zip code
If you've owned your home for a while, you may have built up more equity than you realize. A home equity line of credit (HELOC) lets some homeowners access that value — for home improvements, consolidating higher-interest balances, or other needs.
This free tool lets you compare offers from multiple lenders in one place, so you can see estimated rates without affecting your credit score to check.
You may be a good fit if:
✅ You own your home
✅ You have equity built up
✅ You're a U.S. homeowner
1 Terms and conditions apply. LendingTree, LLC. NMLS #1136. This is not a commitment to lend.
For some homeowners, refinancing can be a way to tap equity or adjust a monthly payment. Whether it makes sense depends on your current rate, your balance, and your goals — which is exactly why comparing is worth the few minutes.
This service connects homeowners with a licensed lending team to review options. Checking what you may qualify for is free and comes with no obligation.
You may be a good fit if:
✅ You own your home
✅ You have a mortgage
✅ You're a U.S. homeowner
Carrying a large credit card balance can feel like running in place — most of each payment goes to interest. Debt relief programs may help some people resolve what they owe for less than the full balance, often in a single monthly program payment.
This free tool helps you see whether you may qualify, based on how much you owe. There's no cost to check your options.
You may qualify if:
✅ You have $20,000 or more in unsecured debt
✅ You're struggling to keep up with payments
✅ You're a U.S. resident
Roughly how much debt are you carrying?
Whether it's consolidating balances, covering an unexpected expense, or funding a project, a personal loan can be a simpler option than high-interest credit cards for some people.
This free tool lets you compare pre-qualified offers from multiple lenders at once. Checking your rate won't affect your credit score.
You may be a good fit if:
✅ You're 18 or older
✅ You have a steady source of income
✅ You're a U.S. resident
Not an offer, just a reminder worth sharing: memberships like AARP (and many warehouse clubs) bundle discounts on travel, dining, prescriptions, and insurance that often more than cover the annual fee if you use even a couple of them. Worth a look if you haven't checked in a while.
If you financed your vehicle a while back — or your credit has improved since — refinancing your auto loan may lower your monthly payment or shorten your term. Rates vary by lender, so comparing is the only way to know.
This free tool lets you compare auto refinance offers from multiple lenders in one place, with no impact to your credit score to check.
You may be a good fit if:
✅ You have a current auto loan
✅ You're 18 or older
✅ You're a U.S. resident
1 Terms and conditions apply. LendingTree, LLC. NMLS #1136.
Once a manufacturer's warranty ends, a single major repair can cost thousands out of pocket. A vehicle protection plan can help cover certain repairs — and plans vary widely, so comparing is worth a few minutes.
This service helps drivers see what coverage may be available for their vehicle. Getting a quote is free and carries no obligation.
You may be a good fit if:
✅ You own your vehicle
✅ Your factory warranty has ended or is ending
✅ You're a U.S. resident
Health plans and the help available to pay for them change often. Many people are paying more than they need to simply because they haven't compared recently.
This free service helps you compare available health coverage options in your area in a few minutes. There's no cost and no obligation to see what you may qualify for.
You may be a good fit if:
✅ You're between 18 and 64
✅ You're currently uninsured or shopping
✅ You're a U.S. resident