Home EquityFebruary 6, 2026
Your Home’s Value Has Soared—Should You Use the Equity?
This guide goes over the three main ways to tap borrowable equity, qualifications, and risks worth weighing before leveraging your home.
Paul Centopani is a writer and editor who started covering the lending and housing markets in 2018. Previous to joining The Mortgage Reports, he was a reporter for National Mortgage News. Paul grew up in Connecticut, graduated from Binghamton University and now lives in Chicago after a decade in New York and the D.C. area.
Articles by Paul Centopani
- HELOCFebruary 6, 2026
Second Home HELOC Appraisal While Living Out of State
This guide covers how out-of-state second home HELOC appraisals work, the qualifications, and how to coordinate the entire process remotely. - HELOCFebruary 6, 2026
Owner-Occupied vs Second Home HELOC: Which Qualifies for Better Rates?
Tapping home equity isn't as straightforward if you own more than one property. Your decisions can change your interest rate or even approval. - Daily Mortgage RatesFebruary 6, 2026
Mortgage Rates Inch Up Ahead of Weekend | Today, February 6, 2026
While nobody can be sure where mortgage rates will go today and in the future, here's the information you need to make an informed choice. - HELOCFebruary 5, 2026
HELOCs for High-Income Earners: Jumbo Credit Lines, $1M Limits, and Strategic Uses
Jumbo HELOCs let homeowners borrow can borrow over a $1 million against their equity— but it requires navigating a different set of rules. - Daily Mortgage RatesFebruary 5, 2026
Mortgage Rate Rollercoaster Continues | Today, February 5, 2026
- ForecastsFebruary 5, 2026
Will Interest Rates Go Down in February? | Predictions 2026
Mortgage rates inched up slightly for the third week in a row but remain low. Will they trend down in February? Here's what the experts think. - Home Equity LoanFebruary 4, 2026
Credit Union vs Bank Home Equity Loans: Better Rates in 2026
This guide compares credit union and bank home equity loan rates and helps you decide which lender type fits your situation. - HELOCFebruary 4, 2026
Maximum Jumbo HELOC Limit: How Much Can You Borrow in 2026?
This guide explains maximum jumbo HELOC limits by lender type, how banks calculate your borrowing power, and the application requirements. - Cash Out RefinanceFebruary 4, 2026
Pros and Cons of a Cash-Out Refinance
A cash-out refinance leverages your home equity and pays you money. Weighing the pros and cons helps determine if it's a good idea for you. - HELOCFebruary 4, 2026
What Is the HELOC Cooling Off Period and How Does It Work?
The HELOC cooling off period is when you can cancel your home equity line of credit without penalty, with some exceptions. - Daily Mortgage RatesFebruary 4, 2026
Mortgage Rates Drop Back Down | Today, February 4, 2026
- HELOCFebruary 3, 2026
Can I Take Out a HELOC After Refinancing My Home?
You can get a HELOC after refinancing your mortgage, but it's recommended to wait at least a month and eligibility depends on your equity. - HELOCFebruary 3, 2026
What to Expect When Applying for a HELOC Online
This online HELOC application guide walks you through each step of the process, plus what lenders look for and how to speed up approval. - Daily Mortgage RatesFebruary 3, 2026
Mortgage Rates Rise, Job Reports Delayed | Today, February 3, 2026
- Daily Mortgage RatesFebruary 2, 2026
Mortgage Rates Dip on Monday | Today, February 2, 2026
- Mortgage NewsJanuary 30, 2026
Trump Picks Warsh for New Fed Chair; Will Mortgage Rates Fall?
President Trump selected Kevin Warsh to replace Jerome Powell as Fed Chair. Will rates come down in the aftermath? - Daily Mortgage RatesJanuary 30, 2026
Mortgage Rates Drift Lower, Fed Chair Chosen | Today, January 30, 2026
- Daily Mortgage RatesJanuary 29, 2026
Mortgage Rates Mostly Flat After Fed Hold | Today, January 29, 2026
- Buying a homeJanuary 29, 2026
Affordability Swings Toward Home Buying Over Renting in 2026
New data for 2026 showed it's cheaper to buy a home instead of rent in the majority of U.S. housing markets.
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