COMPARE YOUR OPTIONS
HELOC vs. Home Equity Loan: Which Structure Fits Your Goal?
A revolving line and a lump-sum loan can both use home equity, but they solve different cash-flow problems. Here is how to compare them.
7 min readRead the guide
HOMEBUILTEQUITY LEARNING CENTER
Make a smarter move with the equity you built.
Plain-English guides that answer the questions homeowners ask before choosing a HELOC, home equity loan, or another mortgage strategy.
UNDERSTAND THE MATH
How Much Home Equity Can I Borrow? Start With These Four Numbers
Total equity is not the same as available borrowing capacity. Start with home value, mortgage balance, combined LTV, and qualification.
6 min readRead the guide
KEEP YOUR FIRST MORTGAGE
Can You Access Home Equity Without Refinancing Your First Mortgage?
A second-lien HELOC or home equity loan may let an eligible homeowner keep an existing first mortgage while accessing equity.
6 min readRead the guide
DECIDE WITH THE FULL PICTURE
Using Home Equity for Debt Consolidation: A Clear-Eyed Checklist
A lower monthly payment can help cash flow, but moving unsecured debt onto your home changes the risk. Use this checklist before deciding.
8 min readRead the guide