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Why Falling Home Prices Aren’t Necessary for Housing Affordability to Get Worse

When housing affordability deteriorates, most people expect the cause to be obvious. Home prices must be rising. That seems logical. If houses become more expensive while...

Why Home Equity Is Losing Some of Its Financial Advantage When Insurance Costs Rise

For years, rising home equity has been one of the clearest financial benefits of owning a home. A homeowner buys a property, pays down the...

Why Rising Insurance Costs Could Change Which Homes Buyers Consider Affordable

For years, homebuyers have been taught to begin their search with a few familiar numbers. The purchase price. The down payment. The mortgage rate. And the estimated monthly...

Why a More Buyer Friendly Housing Market Doesn’t Necessarily Mean Homes Are More Affordable

The U.S. housing market is becoming more buyer friendly in several important ways. There are more homes available than there were a year ago. Properties...

Are Homeowners Becoming Too Comfortable With HELOCs?

For years, Home Equity Lines of Credit better known as HELOCs occupied a relatively specific place in personal finance. Homeowners often used them for major...

Refinancing Isn’t Always Smart; Here’s When It Backfires

For many homeowners, refinancing has long been viewed as a straightforward financial upgrade. Lower your interest rate, reduce your monthly payment, save money and...

Retirement and Home Equity: Is It Wise to Borrow Later in Life?

For many Americans approaching or living in retirement, home equity represents their largest financial asset outside of retirement accounts. After decades of mortgage payments...

Second Mortgage vs HELOC: Key Risk Differences

Both products let you borrow against your home equity. Both put your home on the line if payments stop. But the risks they carry...

The 5 Biggest Mistakes People Make With Home Equity

American homeowners are sitting on record levels of equity. Most of them will manage it wisely. A significant number will make one of five...

Is 2026 a Good Year to Refinance? What the Data Says

Rates have moved. The economic picture has shifted. Whether 2026 is a good year to refinance depends almost entirely on when you bought your...

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