If you’re a homeowner, chances are you’re sitting on a good chunk of equity. And while that feels reassuring, here’s the truth: equity isn’t cash until you access it.
With political and financial instability—from entitlement cut talk to inflation and interest rate hikes—now is the time to be proactive, not reactive.
Why You Should Act Now:
1. Rising costs are squeezing fixed-income
homeowners.
2. Credit tightening may make it harder to qualify for
loans soon.
3. Declining home values could reduce your equity
cushion.
Options to Consider:
1. HELOC (Home Equity Line of Credit): Flexible access
to funds without committing to a lump-sum loan.
2. Cash-Out Refinance: Tap into equity for debt payoff,
renovations, or emergency reserves.
3. Reverse Mortgage (62+): Create monthly income or
access a lump sum without selling.
💡 You don’t need to use the funds now—but setting up access gives you financial control.