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    • San Ramon, CA

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    1. Read
    2. Topics
    3. Personal Finance
    4. Home Equity

    Home Equity

    104 articles
    75 experts

    Latest Articles

    • The Equity-to-Debt Pivot: Why Refinancing Still Pays

      Homeowners hold roughly $213,000 in tappable equity while carrying 22% credit card debt.

      Spencer Bauer30
    • Understanding HELOCs: Your Home Equity Explained

      A home equity line of credit (HELOC) lets you borrow against your home's value without selling or refinancing. Here's how it works and how to use yours well.

      Arielle Yeatter20
    • Bridge Loan vs. HELOC: Buying Before You Sell

      Discover whether a bridge loan or HELOC is the better strategy for buying your next home before selling your current one in the Raleigh market.

      Michael Martin50
    • Turn Home Equity Into Debt Relief in Middle TN

      Middle Tennessee homeowners hold historic equity. Here's how a cash-out refi, HELOC, or home equity loan can cut credit card interest without touching your low…

      Dylan Crews, Loan Officer (NMLS #1987505) | Edge Home Finance, LLC (NMLS #891464)60
    • The First-Time Buyer's Window: Why Now Is the Time

      Waiting for the perfect market? Discover why 2026 conditions offer a unique advantage for first-time buyers to build equity now.

      Mary Kathryn Draughn10
    • IS YOUR LOW MORTGAGE RATE COSTING YOU MONEY?

      That low mortgage rate could be costing you more than it saves. High-interest credit card, student loan and car note debt often outpaces it — consolidation may…

      James Hair502
    • Using Home Equity to Erase Credit Card Debt

      Homeowners hold $310k in average equity while carrying $1.26T in credit card debt. A cash-out refinance can cut interest costs by thousands.

      Andrew LaMacchia431
    • Buy Before You Sell in Raleigh, NC: How to Move Only Once

      Tired of the sell-first shuffle? A bridge loan unlocks your home equity so you can buy your next home, move once, and list the old one empty.

      Michael Martin80
    • Your Home Has Equity. Is Your Mortgage Working Hard Enough?

      A homeowner came to me to consolidate debt. What we discovered changed the mortgage conversation.

      Josh Schaendorf340
    • Consolidating High-Interest Debt: The Math of Refinancing

      Sticking to a low mortgage rate while paying 22% on credit cards? See why a single-digit refinance can actually save you thousands.

      Stephanie Machado Barto70
    • Why a Client Gave Up a 3.25% Rate to Save $1,591

      A Phoenix homeowner traded a 3.25% mortgage for a 6.99% cash-out refinance — and cut monthly outflows by $1,591.

      Michael McDermott70
    • Can a Reverse Mortgage Help You Age in Place or Buy Your Next Home in San Diego?

      Discover how San Diego homeowners 62+ can use home equity to renovate a current home, age in place, or purchase a better-fit home without monthly mortgage payments.

      Desiree Lowe90
    • How to Use Your Home Equity to Pay Off Debt Now and Refinance Later

      Homeowners with substantial equity may be able to use a cash-out refinance to pay down high-interest debt. Here’s how to compare the costs today and evaluate another refinance if rates fall later.

      Ali Younes40
    • Using a Reverse Mortgage to Secure Your Retirement

      Your home equity is a hidden retirement asset. Learn how a reverse mortgage can turn it into tax-free income, a market-crash buffer, and a financial safety net.

      Clark Harvey70
    • Debt Consolidation: Using Home Equity for Cash Flow

      Learn how to leverage your home equity to eliminate high-interest debt and increase your monthly disposable income.

      Amy Monk Sowell60
    • Buy a HUD Home and Renovate With FHA 203(k)

      Pair the HUD Home program with an FHA 203(k) renovation loan to buy a fixer-upper on a fixed income and build equity from the start.

      James Hair210
    • TRANSFORMING NEW ORLEANS: THE POWER OF 203(k) LOANS

      See how an FHA 203(k) loan turned an uninhabitable New Orleans property into a dream home with James Hair (NMLS #1680348) at CrossCountry Mortgage.

      James Hair310
    • The Not-Yets: Planning vs. Crisis in Reverse Mortgages

      Explore the critical difference between proactive planning and reactive crisis management when considering a reverse mortgage for retirement.

      Sheila Landis60
    • Home Purchase: Renting vs Buying

      🏠 Renting vs Buying: Which One Is Really Better for You?

      Craig Martin30
    • The Bridge Loan Guide: Buying Before You Sell in Raleigh

      Stuck in a house that no longer fits? A bridge loan lets you use your home equity to buy your next home before you sell. Here's how it works in Raleigh.

      Michael Martin160
    • Tap SoCal Equity: DSCR Second Mortgages Guide

      Keep your low-rate first mortgage and still pull cash out of a SoCal rental with a DSCR second mortgage or HELOC. Here's how income-based qualification works.

      Craig Brock2430
    • How to Escape Record Credit Card Debt With Home Equity

      Credit card debt tops $1.2 trillion at 22%+ APRs. For homeowners, a HELOC can restructure that into one lower-rate payment — here's who qualifies.

      Virginia Fargo150
    • The High Cost of Waiting: Why Market Timing Is a Trap

      Waiting for a housing crash that statistically rarely comes could cost you thousands in lost equity.

      Aric W Keith50
    • Is Modern Portfolio Theory Good or Bad?

      Most financial plans are built on a Nobel Prize-winning idea. Most of them are only applying half of it. In 1952, a 25-year-old grad student at the University of Chicago set out to fix how people invested their money. Back then, investing meant picking stocks you liked and hoping for the best. Nobo

      Michael Brouse901

    Showing 24 of 104 articles

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    Top Experts

    • V

      Vinh Tran

      Reverse Mortgage Specialist

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    • C

      Clark Harvey

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      4 articles

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      Mandie Sue Mills

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    • M

      Michael Martin

      Branch Manager | NMLS# 131445

      3 articles

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    • D

      Dylan Crews, Loan Officer (NMLS #1987505) | Edge Home Finance, LLC (NMLS #891464)

      Mortgage Loan Officer - NMLS # 1987505

      3 articles

      Franklin, TN
    • J

      James Hair

      Producing Branch Manager | NMLS #1680348

      3 articles

      Denham Springs, LA
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      Michael McDermott

      Michael McDermott - The McDermott Team

      3 articles

      Phoenix, AZ
    • S

      Sheila Landis

      Fairway Home Mortgage | Retirement Mortgage Advisor

      2 articles

      Tigard, OR
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      Aaron Eversmeyer

      Branch Manager

      2 articles

      Columbia, IL
    • M

      Manny Hernandez

      Branch Manager

      2 articles

      Irvine, CA
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      Jas Sohal

      Producing Branch Manager - Partnership

      2 articles

      Roseville, CA
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      Andre Makapagal

      Senior Loan Officer

      2 articles

      Knoxville, TN