You’re Sitting on Equity. Should You Actually Use It

Podcast: The Brutally Honest Loan Officers · Stephen Brock and Derick Brown

Opublikowano: 2026-10-21

American homeowners are collectively sitting on $35 trillion in equity — but having it and knowing what to do with it are two different things. Stephen and Derick break down how home equity actually works, the three ways to access it (HELOC, home equity loan, cash-out refinance), and the real scenarios where using it makes sense — debt consolidation, home renovations, and buying an investment property. They also cover the low-rate dilemma: why a HELOC or home equity loan is often smarter than a cash-out refi if you locked in a 3% mortgage. The throughline: equity is a tool, not free money — and the wr...