HELOCOctober 5, 2026
HELOC vs. Cash-Out Refinance in a High-Rate Market: Which Is Better?
Compare a HELOC and a cash-out refinance when rates are high. See how to tap equity without giving up a low first-mortgage rate, plus a decision framework.
Thomas Brock, Expert Reviewer
Thomas Brock, CFA, CPA, is an accomplished financial professional, with over 20 years of experience in investments, corporate finance, and accounting. His investment experience includes oversight of a $4 billion portfolio for an insurance group. Varied finance and accounting work includes the preparation of financial statements and budgets, the development of multiyear financial forecasts, credit analyses, and the evaluation of capital budgeting proposals. In a consulting capacity, he has assisted individuals and businesses of all sizes with accounting, financial planning and investing matters; lent his financial expertise to a few well-known websites; and tutored students via a few virtual forums.
Articles reviewed by Thomas Brock
Home Equity LoanSeptember 30, 2026Refinancing a Home Equity Loan With the Same Lender: Is It Worth It?
Thinking about refinancing your home equity loan with your current lender? See how it works, the pros and cons of staying, and why you...
Home Equity Agreement (HEA)September 21, 2026Who Qualifies for an HEI? Eligibility and What to Expect
- HELOCAugust 26, 2026
Fastest HELOC Lenders of 2026: Top 5 for Quick Approval and Funding
Compare the fastest HELOC lenders of 2026, including approval times, funding speed, and credit requirements, plus tips to get your HELOC funded faster. 
HELOCJuly 14, 2026Best HELOC Lenders in 2026: Full Comparison Guide
Best HELOC lenders include Aven for fast approvals, Navy Federal for 95% LTV, Bank of America for low fees, and PNC for scores starting at 600.
Home Equity LoanMarch 30, 2026How To Get A Home Equity Loan | Process 2026
Wondering how to get a home equity loan? Our guide breaks down the home equity loan process into simple, actionable steps.
HELOCMarch 30, 2026HELOC for Debt Consolidation: Is It the Right Move in 2026?
HELOC for debt consolidation could substantially cut your interest rate but your home becomes collateral. See the pros, cons, and alternatives.
Home Equity Agreement (HEA)March 23, 2026Understanding the True Cost of a Home Equity Investment (HEI)
An HEI can be a flexible alternative to traditional loans, exchanging quick cash for a percentage of your home’s future worth.
HELOCMarch 23, 2026Using a HELOC to Fund a Child’s First Home
Using a HELOC to fund a child's first home requires gifting the funds properly to avoid mortgage issues. Learn the tax rules, risks, and alternatives.
Home Equity LoanMarch 20, 2026Qualifying for a Home Equity Loan on Retirement Income | 2026 Guide
Qualifying for a home equity loan on retirement income requires stable Social Security, pension, or 401(k) income, a 620+ credit score, and 15-20% equity.
Reverse Mortgage (HECM)March 10, 2026How Much Equity Do You Need for a Reverse Mortgage?
Most reverse mortgages require about 50% home equity, but age, rates, and home value affect how much you can borrow. Learn more.
HELOCMarch 6, 2026How to Consolidate Your HELOC and First Mortgage | 2026
Consolidate your HELOC and first mortgage into a single fixed-rate loan through a cash-out refinance. Learn how to qualify, what it costs, and alternatives.
Reverse Mortgage (HECM)March 3, 2026How Long Does It Take to Get a Reverse Mortgage in 2026?
How long does it take to get a reverse mortgage? Most close in 30 to 60 days. See all five steps, common delays, and tips to speed up your timeline.
HELOCFebruary 26, 2026Owner-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.
HELOCFebruary 9, 2026How to Appeal a Low HELOC Appraisal in 2026
Learn how to appeal a low HELOC appraisal, review errors, submit an ROV, and handle failed appeals.
Home EquityFebruary 5, 2026How Much Are Home Equity Loan Closing Costs? Average Fees Explained
See a full list of home equity loan closing costs and learn how much you can expect to pay in upfront fees.
HELOCFebruary 2, 2026Can You Get a HELOC While on Social Security?
Can you get a HELOC on Social Security? Learn how retirees and fixed-income homeowners can qualify and tap into their home equity.
HELOCJanuary 29, 2026Using a HELOC as an Emergency Fund — Smart or Dangerous?
Is using a HELOC as an emergency fund smart or risky? Learn the pros, hidden dangers, and when this strategy makes sense for homeowners.
HELOCJanuary 27, 2026HELOC Approval for Self-Employed Borrowers in 2026
Self-employed borrowers can qualify for a HELOC using tax returns, bank statements, or alternative income verification.
HELOCJanuary 27, 2026Is a Variable Rate HELOC Too Risky in Today’s Market?
Variable-rate HELOCs can fluctuate as rates change. Learn how variable HELOC rates work and how to stress-test payments before you borrow.
Showing 20 of 26