{"id":22057,"date":"2025-11-03T16:13:28","date_gmt":"2025-11-03T16:13:28","guid":{"rendered":"https:\/\/incredipros.com\/?p=22057"},"modified":"2025-11-03T16:13:29","modified_gmt":"2025-11-03T16:13:29","slug":"reasons-you-shouldnt-tap-your-home-equity","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=22057","title":{"rendered":"Reasons You Shouldn\u2019t Tap Your Home Equity"},"content":{"rendered":"<div>\n<div id=\"block_ba018d3dd24e8b6fb1a35fcd642689d5\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Tapping into home equity carries several risks, including losing the property, the potential to fall into significant debt and the dilution of a valuable asset.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The unpredictable nature of the housing market and high interest rates are also reasons not to borrow against a home\u2019s worth.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Financial experts advise homeowners to consider how they\u2019ll use their home equity, prioritize emergency savings and debt repayment, and shop around for rates.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>As residential real estate prices have soared, so has homeowners\u2019 equity, and homesteads now contain a near-record amount of tappable cash. However, it isn\u2019t always a good idea to borrow against your home equity, even if you have sound uses for the funds. The reasons range from the timely (the relatively high interest rate environment) to the eternal (the risks of hocking your house for cash); from current economic forces (the rising odds of a recession) to individual finances (the dangers of a debt overload).<\/p>\n<p>Here\u2019s what to consider when deciding whether to borrow against the value of your house \u2014 and why you may or may not want to.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    What is home equity?\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Home equity is simply the portion of your property you\u2019ve paid off \u2014 the amount or percentage you own outright. It\u2019s the difference between your home\u2019s appraised value and your outstanding mortgage loan balance. Put another way, it\u2019s the sum you would pocket in a home sale after paying off what you owe to your lender (not counting closing costs). However, this equity is technically only a \u201cpaper\u201d gain until you either sell or borrow against it.<\/p>\n<p>According to the Federal Reserve, American homeowners collectively possess nearly $36 trillion in home equity as of the second quarter of 2025. Individually, the average mortgage-holding homeowner has an equity stake worth around $307,000, according to property-data analyst Cotality.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"how-to\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How do you tap into home equity?\" data-outcome=\"\">How do you tap into home equity?<\/h2>\n<p>There are three primary ways to tap the equity stake you\u2019ve accrued: a cash-out refinance of your mortgage, a home equity line of credit (HELOC) or a home equity loan.<\/p>\n<h3>Cash-out refinance<\/h3>\n<p class=\"Tldr my-6\">\n    Best for: Borrowers who want a lump sum and a new mortgage with different terms\n<\/p>\n<p>With a cash-out refinance, you take out a new and bigger mortgage to replace your existing one. The difference between the two loan amounts is the cash you\u2019ll pocket at closing, which equates to some of the equity you\u2019ve accrued in your property (your lender may require you to keep at least 20 percent equity in your home). Your new loan\u2019s outstanding principal will be higher than that of the loan it is replacing, but you can opt for a shorter or longer term.<\/p>\n<p>\u201cFor example, if you owe $100,000 on a home that\u2019s worth $200,000, you can take out a new mortgage for $150,000 and take the remaining $50,000 of equity as cash,\u201d says Rick Sharga, president and CEO of CJ Patrick Company, an Orange County, Calif.-based market intelligence firm. \u201cBut it\u2019s important to realize that this will increase your debt, from $100,000 to $150,000 in this example, and will generally result in you paying more interest over time.\u201d<\/p>\n<p>You\u2019ll also have to pay closing costs, as you would with most refinances.<\/p>\n<h3>HELOC<\/h3>\n<p class=\"Tldr my-6\">\n    Best for: Borrowers who want to withdraw funds as needed or don\u2019t know how much they\u2019ll need upfront\n<\/p>\n<p>A HELOC works as an adjustable-rate revolving line of credit. It\u2019s somewhat like using a credit card \u2014 only, instead of your debt being unsecured (as it is with plastic), you\u2019ll be required to put your home up as collateral. As with a credit card, you borrow what you need whenever you like (within a finite draw period), repay what you owe, and borrow again if you choose.<\/p>\n<p>Your HELOC\u2019s credit limit will be based on your available home equity; you can typically borrow up to 80 or 85 percent of your home\u2019s value (excluding your unpaid mortgage balance). During the draw period \u2014 often the first 10 years \u2014 you\u2019ll be required to pay monthly interest on any amount you borrow, but your funds will be replenished as you repay the principal. During the repayment period, funds are no longer accessible and you\u2019ll be obligated to repay the principal and interest over 10 to 20 years, on average.<\/p>\n<p>A HELOC has a variable interest rate that changes as the prime rate shifts \u2014 often, from month to month \u2014 so your overall balance and monthly payments will fluctuate too.<\/p>\n<h3>Home equity loan<\/h3>\n<p class=\"Tldr my-6\">\n    Best for: Borrowers who are happy with their current mortgage terms but want a lump sum and fixed repayments\n<\/p>\n<p>A type of second mortgage, a home equity loan is taken out against the equity in your home. As with the HELOC, your home becomes collateral for the debt (meaning you could lose it if you don\u2019t repay the loan); unlike the HELOC, you borrow a set amount, which is paid out in a lump sum at closing.<\/p>\n<p>\u201cUsing the previous homeowner example [owing $100,000 on a home that\u2019s worth $200,000], they could borrow $50,000 against the equity in their home and begin making monthly payments on the second loan in addition to their primary mortgage loan\u2019s monthly payment,\u201d Sharga says. Terms vary, but home equity loans can be repaid over as long as 30 years.<\/p>\n<p>\u201cA homeowner with a very good interest rate on their current mortgage loan might consider this option rather than a cash-out refinance, as the latter could charge a higher interest rate,\u201d Sharga continues. Lenders often charge lower interest rates for home equity loans than on personal loans and credit cards. \u201cBut second mortgages tend to have higher interest rates than primary mortgages, so borrowers should factor this in before using this option,\u201d he adds.<\/p>\n<h2 id=\"reasons\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Reasons not to use your home equity\" data-outcome=\"\">Reasons not to use your home equity<\/h2>\n<p>Just because you can tap your home equity with any of the methods above doesn\u2019t mean you should \u2014 even if you intend to use the money wisely, such as toward a home improvement project that will increase your property\u2019s resale value. Some of the reasons have to do with the current economic climate, and some are more evergreen and individual, relating to personal finances.<\/p>\n<h3>Interest rates remain relatively high<\/h3>\n<p>As Bankrate forecasted at the beginning of the year, home equity rates have declined in 2025 \u2014 and in October, they reached their lowest point since 2023. However, average rates are still hovering above 8 percent, so they remain significantly higher than they were just a few years ago.<\/p>\n<p>\u201cThe future direction of interest rates, and the economy, is highly uncertain,\u201d says Mark Hamrick, senior economic analyst and Washington bureau chief for Bankrate. \u201cOne should make borrowing judgments on what they\u2019re currently seeing instead of trying to time the market based on a guess.\u201d<\/p>\n<p>And while current home equity rates are much better than the double-digit rates of credit cards or personal loans, don\u2019t confuse \u201cbetter\u201d with \u201cgreat.\u201d Charging 8 or 9 percent in interest is hardly giving the loan away. In the grand scheme of things, home equity loan and HELOCs are still pricey debt.<\/p>\n<h3>You can fall deeply into debt<\/h3>\n<p>A home equity loan will add to your total debt, possibly making it more challenging to afford repayment of all of your unpaid balances in the months and years ahead. \u201cTapping into equity increases your overall debt and what you will owe your lender \u2014 both in principal and interest \u2014 over time. So it\u2019s important to weigh short-term benefits versus long-term costs,\u201d notes Sharga.<\/p>\n<p>HELOCs in particular can be a trap. \u201cMany homeowners find it difficult to stay disciplined in paying down the principal on their line of credit,\u201d says Seth Bellas, a home loan specialist for Churchill Mortgage. During the initial draw period, \u201cmost HELOCs only require you to pay down the interest every month, similar to how a credit card has a minimum payment,\u201d Ballas adds. \u201cBy the time the full repayment is due, you will have not only your principal to pay back, but also interest on that principal, making it a pretty steep hill to climb if you aren\u2019t in a great financial position.\u201d<\/p>\n<p>A high degree of uncertainty continues to characterize the current economic environment, Hamrick notes. If the economy stumbles or a negative event emerges in the months ahead, job loss and interrupted incomes could cause difficulty for many individuals and households. \u201cGiven the high rates of interest that prevail, taking on more debt could be a less-than-optimal decision for some,\u201d he says.<\/p>\n<h3>The housing market and home values are unpredictable<\/h3>\n<p>The housing market has had a solid upward trajectory over the past years, which is why you might be considering a home equity loan in the first place. If your home\u2019s value keeps increasing regularly, you\u2019re in good shape, right? But there\u2019s no guarantee that home prices will continue climbing.<\/p>\n<p>And even if the national housing market looks resilient, remember that real estate is extremely local. For example, data from Cotality shows that, while Connecticut homeowners gained an average of $37,400 in equity over the past year, those in Washington, D.C., lost an average of $34,400.<\/p>\n<p>\u201cThe risk of taking equity out of your home gets especially keen if your local market prices are moving downwards,\u201d says Sharga. \u201cYou might ultimately find yourself owing more than your home is worth.\u201d Being in such a state of negative equity is rare \u2014 2 percent of all mortgaged homes were upside down in Q2 2025, according to Cotality. Still, it can happen if there\u2019s a sharp, prolonged drop in local real estate prices and you\u2019re carrying a substantial amount of debt.<\/p>\n<h3>You\u2019re putting your home on the line<\/h3>\n<p>With home loan products, the debt is secured by your home. That also makes the risk greater if you miss payments. Defaulting or being delinquent on unsecured debt (like credit cards or personal loans) is unpleasant and damages your credit score, but you won\u2019t lose your property. But with home equity lending, you\u2019re essentially adding another mortgage to your home, which is probably the biggest single asset you have.<\/p>\n<p>Think carefully about why you want the money and whether its worth borrowing for. While using your home equity for a vacation or snazzy new car might be tempting, it\u2019s a significant risk for a fleeting reward. Other uses arguably have more merit, but consider alternatives before tapping home equity.<\/p>\n<p>Ask yourself: Is it worth possibly losing your home to foreclosure in the event market conditions worsen or your personal financial situation deteriorates? And consider that when you liquidate equity, you dilute your homeownership stake. That makes your property a less valuable asset and decreases your overall net worth.<\/p>\n<div class=\"BlockQuote pb-8\">\n<blockquote class=\"BlockQuote-text\"><p>\n        <q>Tapping into equity increases your overall debt and what you will owe your lender \u2014 both in principal and interest \u2014 over time. So it\u2019s important to weigh short-term benefits versus long-term costs.<\/q><br \/>\n                    <cite class=\"PullQuote-cite text-gray-900 ml-0 md:ml-4\"><br \/>\n                \u2014 Rick Sharga, CEO at CJ Patrick Company<br \/>\n            <\/cite>\n            <\/p><\/blockquote>\n<\/div>\n<h2 id=\"tips\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Tips for tapping into home equity\" data-outcome=\"\">Tips for tapping into home equity<\/h2>\n<p>If you are seriously pondering cashing in some of your home\u2019s equity, here are some tips to follow.<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Have a substantial stake: <\/strong>Hamrick says homeowners in the best position to use home equity are those who have accumulated a substantial amount of it \u2014 meaning the value of their home is much higher than the amount remaining to be paid off on their mortgage. \u201cThis typically includes people who have been in their homes for a long time and have not often refinanced. They should also have a high degree of confidence about their job and income security,\u201d he adds. \u201cThose who have only been in their homes a short time should wait until they enjoy a higher level of home equity.\u201d<\/li>\n<li>\n<strong>Use it wisely:<\/strong> \u201cDon\u2019t treat home equity like it\u2019s an ATM for purchases you don\u2019t really need to make,\u201d advises Sharga. \u201cHomeownership is a proven way to build up long-term wealth \u2014 even providing financial security for multiple generations \u2014 and shouldn\u2019t be wasted on frivolous things. Funds should be used judiciously for things like home improvements, paying down higher interest rate debt or education.\u201d<\/li>\n<li>\n<strong>Shop around: <\/strong>Home equity loan and HELOC terms vary widely, so request quotes from at least three lenders to find the best option. Discuss with the loan officer which type of financing would best suit your purposes and timeline.<\/li>\n<\/ul>\n<h2 data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>Before committing to a HELOC, home equity loan or cash-out refinance, think about your reasons, especially if you want the funds to pay off student loans or credit card balances. Are you clearing old debt with new debt? That can be a trap, especially if it means risking an asset like your home.<\/p>\n<p>As many financial experts worry about a recession and unpredictable interest rates in the coming months, it may be safer to leave your home equity stake intact. \u201cWhile the economy has remained surprisingly resilient over the past couple of years, headwinds remain and uncertainty is still high,\u201d says Hamrick. \u201cTo take on more debt when it is so costly carries additional risk.\u201d<\/p>\n<p>Despite all this, borrowing against your home\u2019s equity might be the best option \u2014 just be sure to weigh the pros and cons before committing.<\/p>\n<h2 id=\"faq\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How do you build home equity?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-0')\" :aria-labelledby=\"$id('heading-accordion-item-0')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            When you borrow to buy a home, your equity is initially equivalent to the down payment you make. The larger your down payment, the greater your initial stake. Over time, you build more equity by paying down the principal balance of your mortgage. Additionally, home improvements that increase your home\u2019s resale value can also boost your equity, as can a general rise in local property values.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-1', 'heading-accordion-item-1']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-1')\" :aria-controls=\"$id('panel-accordion-item-1')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What are the alternatives to tapping into home equity?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-1')\" :aria-labelledby=\"$id('heading-accordion-item-1')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Your home\u2019s equity isn\u2019t the only option if you need to access funds. Unlike home equity loans and HELOCs, personal loans and credit cards are unsecured debts that don\u2019t require using your home as collateral. While they have higher interest rates, applying is typically simpler and faster. You might not be able to borrow as big a sum as with a home equity product, but if your need is for $25,000 or less, these methods might actually be preferable.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-2', 'heading-accordion-item-2']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-2')\" :aria-controls=\"$id('panel-accordion-item-2')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is the cheapest way to tap home equity?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-2')\" :aria-labelledby=\"$id('heading-accordion-item-2')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>A home equity line of credit (HELOC) will likely be the most affordable option for tapping your home equity. HELOCs typically don\u2019t have steep closing costs, which makes them immediately more cost-effective than home equity loans, which generally have sizable upfront expenses. Plus, you can make interest-only payments initially.<\/p>\n<p>But make no mistake: HELOCs are far from free. They often carry annual maintenance or transaction fees. And of course, their interest rates can go up, which can increase your overall borrowing costs.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<p><i>Additional reporting by Erik J. Martin and David McMillin<\/i><\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"YELhK5G200\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/home-equity\/things-to-consider-before-using-home-equity\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Tapping into home equity carries several risks, including losing the property, the potential to fall into significant debt and the dilution of a valuable asset. The unpredictable nature of the housing market and high interest rates are also reasons not to borrow against a home\u2019s worth. Financial experts advise homeowners to consider how<\/p>\n","protected":false},"author":1,"featured_media":22058,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22057","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Reasons You Shouldn\u2019t Tap Your Home Equity | IncrediPros<\/title>\n<meta name=\"description\" content=\"Key takeaways Tapping into home equity carries several risks, including losing the property, the potential to fall into significant debt and the dilution\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=22057\" 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