HEM Editor 
Can I Finance Solar Panels with an Equity Loan? Yes and in 2026, home equity financing matters more than it used to, because the federal subsidy is gone. The 30% Residential Clean Energy Credit (Section 25D) expired on December 31, 2025 under the One Big Beautiful Bill Act. Homeowners who buy a system with cash … Read more
Lets compare two very popular finance options in 2026, the home equity loan and personal loan and uncover the similarities and differences so you can make a wise financial decision. So how do you choose when comparing personal and home equity loans in 2026? It comes down to a few key trade-offs: A home equity … Read more
In 2026, the home equity line of credit or HELOC is more popular than ever. Homeowners across the country are using them, and HELOC balances have risen for many quarters in a row. So what’s behind all this love? The answer is simple: an equity line of credit gives people something rare in borrowing with … Read more
Changing your mortgage lender is a significant decision that can arise from various motivations, such as seeking better interest rates, improved customer service, or more favorable loan terms. This article explores the feasibility of switching mortgage lenders, the processes involved, potential challenges, and presents a case study to illustrate the practical aspects of making such … Read more
A home equity installment loan is a financial tool that allows homeowners to borrow against the equity in their home. It provides a lump sum loan amount with fixed interest rates and repayment terms, making it a popular choice for those looking to consolidate debt, fund home improvements, or cover significant expenses. This article explores … Read more
Many homeowners and property investors seek financing options to build or renovate homes while leveraging existing property equity. Construction financing and home equity loan programs work together for many real estate investors and homeowners in 2025. Can You Have a Construction Loan and a Home Equity Loan? A common question arises: Can you have both … Read more
There are multiple ways to pay off a HELOC quicker, such as refinancing into a new HELOC or completely paying it off through a cash-out refinance. Some HELOC lenders might even offer a loan modification to lower your interest rate or convert to a fixed rate without requiring a full refinance. It’s a good idea … Read more
Yes, you can refinance a mobile or manufactured home in 2026, but your options depend heavily on one key factor: whether your home is classified as real property or personal property. This distinction shapes everything, so it’s the first thing to understand. If your manufactured home is permanently affixed to a foundation on land you … Read more
The demand for debt consolidation continues to soar and home equity loans are helping homeowners consolidate credit debt effectively in 2024. Banks and mortgage lenders have expanded their home equity loan programs this year in an effort to meet the growing demands of consolidating compounded interest from credit card debt and high interest unsecured loans. … Read more
Savvy consumers ask me all the time if it is risky to take out a home equity loan to invest in real estate or a new business. Purchasing investment properties can be an outstanding way to create passive income and diversify your investments. However, purchasing rental properties takes a lot of money. If you don’t … Read more
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