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How to Use HELOCs

June 2, 2025

How to Use HELOCs Effectively - Smart Ways to Tap Into Your Home's Equity

A HELOC can be one of the most flexible financial tools available to homeowners, but only if you use it wisely. In this episode, we sit down with Secily Rees of Envista Federal Credit Union to break down how Home Equity Lines of Credit actually work, when they’re a good idea, and what to avoid.

You'll learn: -How HELOCs differ from traditional mortgages -Smart ways to use your home’s equity (and when to steer clear) -How HELOC interest rates compare to other financing -Common misconceptions and mistakes homeowners make -How to calculate how much equity to tap into—without going overboard Whether you’re funding a renovation, paying off debt, or investing in your future, this episode will give you the clarity and confidence you need to use your equity effectively.

New Construction
Inventory Shortages
Escrow, Closing Costs & Common Myths
Rural Housing Challenges and Solutions
Financial Foundations
Empowering First-Time Buyers
Clearing the Air
Curb Appeal
Title Insurance
Buyer's Agents
Unmasking Mold
Navigating the NAR Settlement
Smooth Moves
Navigating Interest Rates
Why Use a Realtor?
Local Housing Programs
Home Insurance
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