Home Equity LoanFebruary 11, 2026
What Is a Home Equity Loan and How Does It Work? | 2026
A home equity loan lets you cash out your equity without replacing your current mortgage. Learn about home equity loans and HELOCs.

With more than 10 years in the mortgage industry, and another 10 years writing about it, Gina Freeman brings a wealth of knowledge to The Mortgage Reports as its Associate Editor. Gina works with a team of world-class real estate and finance writers to bring timely and helpful news and advice to the audience. Her specialty is helping consumers understand complex and intimidating topics.