09/02/2026
A HELOC is a revolving line of credit that lets you borrow against the available equity in your home as needed. HELOCs remain a popular option when access to funds is necessary, but they are not right for everyone.
Flexible access to funds is helpful, but variable rates add complexity. I break down when a HELOC makes sense and when an alternative may be better. If you are considering one in 2026, let’s review your options.