Ornate landscaping and weaving in a blue color palette are two big trends for yards in the new year, according to the National Association of Landscape Professionals. The association recently released its list of the top landscaping trends in the new year.

“Foundational landscape elements remain on homeowners’ wish lists, but modern updates and technology are now a top priority,” says NALP CEO Britt Wood. “With a wave of design and technical innovations, our members report that ornate hardscaping, contemporary features, lush gardens, and smart irrigation are all trending and will influence landscape designs across the country in 2020. This year’s trends showcase how homeowners of all generations desire a striking, custom, and well-maintained outdoor space that benefits their community and the environment.”

Here are the five trends that the NALP predicts will be hot this year.

Ornate, geometric hardscaping. Intricate patterns for hardscaping—hard materials or structures built into a landscape—are trending. These include waves, chevrons, lattices, and basket weaves. “From walkways and patios to retaining walls and fire features, homeowners are looking to integrate popular home decor patterns into their hardscape designs,” the NALP notes.

Contemporary and transitional designs. Contemporary, simple designs, which might be reflected by a contemporary sculpture or modern fire or water feature, are popular. “Multi-season functionality is essential as more homeowners are selecting elements that can survive a range of temperatures, such as native plants, heat lamps, and protective structures,” the NALP says.

Shades of blue. Rich tones of blue are dominating paint forecasters’ choices for 2020 color of the year, and these cool colors are also heading outside. Homeowners are bringing in more blues, using sculptures or water features. In gardens, plants like blue fortune, delphinium, hydrangea, globe thistle, or grape hyacinth are adding touches of blue, too.

Gardens. Homeowners continue to add gardens into their landscapes. But they’re eyeing gardens that cater to their personal needs, from creating edible gardens for farm-to-table dining to planting gardens that produce favorite fruits, vegetables, or herbs. In smaller spaces, owners are adding container gardens, vertical gardens, or “interiorscaping” to create an outdoor garden oasis, the NALP says.

High-tech water solutions. One-click, remote irrigation systems are gaining popularity. These systems deliver just the right amount of water to a landscape and can save owners money in the long run. These irrigation systems can be controlled from anywhere with Wi-Fi, Bluetooth, and smartphone apps.

More homeowners are refinancing to take equity out through a cash-out tranaction. They’re then using the extra cash to pay down credit card debts, renovate their home, or even invest in a new home.

Over the past two years that has resulted in a large number of homeowners who are taking on higher interest rates via refinancing. Still, owners say that the mortgage rates are lower than what they would have to pay through a credit card or home equity line of credit.

Homeowner Paul Thompson was undeterred by the higher rates through a cash-out refi. He told The Wall Street Journal that when he purchased his Dallas home in 2015, he was able to get a mortgage at 4%. But at the end of last year, he refinanced at 4.625% and took out about $30,000 in equity from his home. He says the higher rate was worth it because it gave him extra cash to renovate an investment property next door.

But the greater use of cash-out refinancings has some economists concerned that homeowners will be tempted to use their homes like ATMs, as they were blamed on doing in the years leading up to the housing crisis. Consumers who struggle to pay their mortgages from a cash-out refinancing are at risk of losing their homes. On the other hand, the economists note, credit card debt is unsecured.

Still, others are quick to note that cash-out refinancings are well below pre-crisis levels.

Also, cash-out refinancings are becoming more enticing compared to home equity lines of credit. The Wall Street Journal reports that the 30-year fixed-rate mortgage has dropped at a much faster pace than HELOC rates this year. The two are based on different benchmark rates. For example, this fall, 30-year mortgage rates were nearly 3 percentage points lower than the average HELOC rate, according to Bankrate.com.

A recent study shows that the use of algorithms for online mortgage lending may actually help reduce discrimination against some minority groups. The study, conducted by the National Bureau of Economic Research, calls for banks to embrace more artificial intelligence tools to help end bias in home loans and lending decisions.

According to the study, mortgage lenders reject minority applicants, on average, at a rate that is 6% higher than those with comparable economic backgrounds during in-person meetings. But when applicants complete online applications, the acceptance and rejection rates were essentially the same, the study showed.

“If we look at banks, they have argued in the past that they’re in a bind when staring down potentially conflicting government mandates to reduce balance sheet risk, while not discriminating against any one demographic group,” a Forbes.com article reports.

The disparities in homeownership rates are often cited as the main culprit behind the racial wealth gap.

Homeownership among African Americans has plunged to its lowest level, at 40%, and has been gradually declining since peaking in 2004, according to U.S. Census Bureau data. From 2009 to 2015, up to 1.3 million minority loan applicants were rejected, the National Bureau of Economic Research estimates.

Researchers point to artificial intelligence as one possible way to reverse that trend. Lenders embracing AI and online mortgage platforms say they’ve seen a fivefold increase in Hispanic and African American borrowers between the ages of 30 and 40 over the last year.

Still, “the growing use of algorithms in financial services can produce results that are positive, negative, or simply unpredictable,” Forbes.com reports. “It’s important to note that 45% of the country’s largest mortgage lenders now offer online or app-based loan origination, as FinTech looks to play a major role in reducing bias in the home lending market.”