I'm in the same position with refinancing. My pool needs to be resurfaced, it is so bad that I've kept it empty last year. I also need to 'freshen' up the rocks in my yard, apparently that is the term the landscaping company uses when you need 16 tons of rocks to fill the yard back in. Sometimes it makes you wonder if owning a home is worth it :P At least my roof is still good (for another 8 years), my boss paid over $14,000 to repair his roof this summer.