The ROAD Act affects home remodeling in three direct ways. First, it modernizes FHA Title I property improvement loans, which makes renovation financing more accessible for homeowners who do not want to refinance or tap equity. Second, it creates the Whole-Home Repairs pilot, a $30 million federal grant program for home repairs. Third, it supports pre-approved ADU designs that can speed up the permitting process for casitas and additions. (NLIHC, Bipartisan Policy Center)