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Answers first. Then the mechanics.
Guides for people who want to know how a program reads their file, and what it costs them, before they talk to anyone. No rates, and no guidelines dressed up as facts.
Home equity
5 guides on Home equity.
Lines and second liens that leave a first mortgage alone, including the repayment-period payment jump.
Home equity
Is HELOC Interest Deductible When Used for a Rental?
Under the IRS interest-tracing rules, interest follows the use of the money, not the property that secures it.
Home equity
HELOC Draw Period vs Repayment Period: Why the Payment Jumps
During the draw period most HELOCs require interest only on the drawn balance.
Home equity
HELOC vs Cash-Out Refinance vs DSCR Cash-Out for Investors
Start with the rate on the first mortgage you already have.
Home equity
HELOC on an Investment Property: Who Offers It and What It Takes
Some lenders offer a HELOC secured by a rental property, but the pool is small and the terms are tighter than on a primary residence.
Home equity
HELOC for the Self-Employed: Tax-Return vs Bank-Statement Paths
Self-employed owners have two routes to a HELOC: a full-documentation line underwritten on tax returns, or a bank-statement line underwritten on deposits.
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Mortgage FAQs
Forty-plus questions borrowers ask before they apply, grouped by program, with the trade-offs included.
Browse the FAQsMortgage glossary
Plain-English definitions of the terms that come up in non-traditional lending: ATR, non-QM, DSCR, PITIA, expense factor, CLTV, seasoning.
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