What Makes 2025 Different for HELOCs?

Posted by Spring EQ on Sep 2, 2025 9:22:35 AM

If you’re thinking about using the equity in your home this year, you aren’t alone. From historically high equity levels to favorable borrowing trends, HELOCs are quickly gaining momentum as the choice as a solution for quick access to cash for homeowners. Wondering why? Let’s get into the details!

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Topics: refinance, HELOC, HomeEquity, Financial Tips, debt consolidation, Fixed-Rate HELOC

Regional Trends: Where Home Equity Is Growing Fastest and Why It Matters

Posted by Spring EQ on Sep 2, 2025 9:22:31 AM

Home equity has been on the rise for more than a decade across the country. In recent years, though, it’s been more of a meteoric boom, especially depending on where you live. Understanding these regional trends can help you make smarter decisions about how and when to capitalize on your home’s value.

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Topics: refinance, HELOC, HomeEquity, Financial Tips, debt consolidation, Fixed-Rate HELOC

Home Equity vs. 401(k) Loan: Which to Use When Facing a Financial Squeeze?

Posted by Spring EQ on Sep 2, 2025 9:22:26 AM

When money gets tight and homeowners need access to cash quickly, they have options. We’ve covered a variety of scenarios in the past (HELOCs vs. Personal Loans, HELOCs vs. Credit Cards, and HELOCs vs. Refinancing) to name a few. Now, we’re focusing on tapping into home equity or borrowing from a 401(k). Both can provide funds when you need them, but both work very differently and carry different long-term implications. Let’s dive into the pros and cons so you can make an informed decision based on your situation.

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Topics: refinance, HELOC, HomeEquity, Financial Tips, debt consolidation, Fixed-Rate HELOC

Topics: mortgage, HELOC, HomeEquity, CashAccess

Topics: Cashout, mortgage, HomeEquity, CashAccess

Boost Your Credit Score

Posted by Spring EQ on Jun 16, 2023 10:17:53 AM

We can all agree your credit score – aka FICO score – is a big deal when it comes to securing any kind of loan. In fact, it factors into whether you'll be approved for a loan—as well as the rate of interest you will be charged.

 

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Topics: HELOC, HomeEquity, CashAccess, FICO, home improvement, home design

Safety First: Finding the Right Security System for Your Home

Posted by Spring EQ on Jun 16, 2023 10:13:51 AM

Looking into a home security system? You’re not alone. Despite the rate of burglaries dropping 68% in the last decade, an increasing number of Americans have chosen to install home security systems – with over $21.5 billion in projected growthby 2026.

 

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Topics: HELOC, HomeEquity, CashAccess, home improvement, home design, home security

Don't Fear the Heater: Tips to Keep Your Home Warm

Posted by Spring EQ on Jun 16, 2023 10:05:16 AM

Whether you're avoiding falling iguanas in South Beach or braving the blistering cold of a Chicago winter, every homeowner should make they're prepared for a cold spell during the winter months. And summer is a great time to plan ahead and get winter work done on your home.

 

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Topics: HELOC, HomeEquity, CashAccess, home improvement, home design, heating

Future-Proof Your Home With A New HVAC

Posted by Spring EQ on Jun 16, 2023 9:09:17 AM

Like the cost of most other goods and services in the U.S., utility bills are set to rise this winter. 


The chilling stats? According to the U.S. Energy Information Administration, homeowners can expect their electric bill to jump 7.5% from 2021.

While many will make short-term sacrifices like spending less and doing less, homeowners will do well to plan with a long-term solution.  

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Topics: HELOC, HomeEquity, CashAccess, home improvement, home design, HVAC

Homeowners Associations: Friend or Foe?

Posted by Spring EQ on Jun 16, 2023 9:04:51 AM

When it comes to purchasing a house there are some factors outside the home you will need to keep in mind. Like the local education system—homeowners associations (HOA) are an important factor to keep in mind when purchasing a long-term home for your family.

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Topics: HELOC, HomeEquity, CashAccess, home improvement, home design, HOA