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Backyard & Outdoor Living Trends to Enjoy This Summer

Jul 16, 2026

Allison Austin

5 min read

Summary

As warmer weather arrives, many homeowners are looking for ways to make the most of their outdoor spaces. Whether you're planning weekend gatherings, family cookouts, or simply want a relaxing place to unwind, a backyard refresh can help transform your property into an inviting extension of your home.
Here are a few outdoor living trends that continue to gain popularity this season

Brighten Your Space with Outdoor Lighting
Outdoor lighting can enhance both the beauty and functionality of your property. Well-placed lighting improves visibility and safety while creating a welcoming atmosphere for guests and family members.
Consider adding lighting to:

Walkways and garden paths
Front porches and entryways
Patios and seating areas
Decks and outdoor kitchens
Landscape features and flower beds

Solar-powered lights, string lights, and low-voltage LED fixtures are all popular options that can add charm without significantly increasing energy costs.

Create a Patio Designed for Your Lifestyle
Before making patio upgrades, think about how you plan to use the space. A well-designed patio should support your everyday lifestyle while complementing the style of your home.
If you enjoy entertaining, consider adding comfortable seating, outdoor dining areas, and space for grilling. If relaxation is your priority, create a cozy retreat with lounge furniture, shade structures, and decorative landscaping.
Materials such as pavers, natural stone, and stamped concrete continue to be popular choices because they offer durability and visual appeal.

Take on a DIY Landscaping Project
Summer is the perfect time to tackle landscaping improvements that can enhance your property's appearance and functionality. Many projects can be completed over a few weekends and may provide lasting enjoyment for years to come.
Popular DIY landscaping projects include:

Decorative walkways and pathways
Garden beds and flower features
Small ponds, fountains, or water features
Pergolas and shade structures
Raised garden boxes for flowers or vegetables

Even small updates can have a significant impact on your outdoor environment.

Make the Most of Your Outdoor Living Space
Backyard improvements don't have to be large-scale renovations. Thoughtful additions like lighting, landscape enhancements, and functional gathering spaces can help create an outdoor area that's enjoyable throughout the season.
Whether you're entertaining guests or enjoying a quiet evening outdoors, investing in your backyard can help you get more value and enjoyment from your home all summer long.

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Refinance FAQs

Can I apply for a loan if I don't have an established credit history?

Lenders may accept other sources of credit, such as a documented history of bills you've paid on time for rent, utility or cable services. For more information, contact an experienced PHH loan officer at 1-877-319-0577.

Im concerned about my credit. How can I improve it?

Effective ways to improve your credit score in one to two years include making payments on time and reducing your credit card balances. For more ideas, read our FAQ, “How can I improve my credit score?” or talk to an experienced PHH loan officer at 1-877-319-0577.

What is credit?

Credit is an agreement to borrow money with the promise that you will pay it back later through scheduled payments. It usually includes interest, which is additional money charged for the privilege and convenience of borrowing.

To reduce monthly mortgage payments: When a lower interest rate on your loan is available – typically 1% or more – refinancing can help you save money every month.
To cash out a portion of the equity in your home: You can get extra cash by obtaining a new loan for a balance larger than the one on your existing loan. You can then use the cash for anything from home improvements to college tuition.
To obtain a stable interest rate: You may be able to switch from the uncertainty of a variable interest rate to a more stable (and possibly even lower) fixed rate.
To consolidate debt: Similar to a cash out refinance, debt consolidation allows you to take out a new loan for a larger balance than your existing mortgage. You can then use the cash difference to pay off any higher interest debts you may have. Essentially you are using your home as collateral for the consolidated debts.
To pay off your mortgage sooner: You can switch to a shorter repayment term, which can help you save thousands of dollars in interest payments.

To help decide if it makes good sense to refinance, start by speaking with an experienced loan officer, call 1-877-319-0577.

What is good credit? And how can I establish it?

Good credit shows mortgage lenders that you make payments on time and are willing to repay any money borrowed. In general, people with good credit are often offered the lowest available interest rate.

One of the best ways to establish good credit is by making all of your credit payments on time. For more about the benefits of good credit, and strategies for establishing, building and maintaining it, talk with a credit advisor.

What qualifies as a late payment, and what are the consequences?

If you make a payment after the stated due date, you may be charged penalties or late fees. A pattern of late credit payments may lead to poor credit and could negatively affect future loans. For instance, lenders may evaluate you as a high risk and offer a loan with a higher-than-usual interest rate.

In general, a mortgage payment is considered late, or delinquent, if it is received 15 days beyond the due date. A payment is considered to be in serious delinquency when it is 60 to 90 days late. Consequences may include costly penalty charges, default on the loan and possibly foreclosure on the property.

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