Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports

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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.
Posted 6 February 2026 | 10:59 pm

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.
Posted 6 February 2026 | 7:38 pm

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.
Posted 6 February 2026 | 6:18 pm

Best Home Improvements to Increase Your HELOC Appraisal Value
Learn which home improvements increase your HELOC appraisal value, which to avoid, and how timing and permits affect results.
Posted 6 February 2026 | 4:40 pm

Can Retirees Use HELOCs Safely?
HELOCs can be safe in retirement, as long as the borrower weighs their risks and are disciplined in their plan.
Posted 6 February 2026 | 4:18 pm