Why Millions of Homeowners Are Choosing HELOCs Instead of Refinancing

Mortgage Research Network Podcast · Jun 19, 2026 · 4m

Homeowners are tapping into their home equity at the highest rate since 2008, driven by a simple reality: few people want to give up the ultra-low mortgage rates they locked in during the pandemic. Tim Lucas and Craig Berry explain why HELOCs and home equity loans are surging in popularity, how global events and interest rates are shaping borrowing decisions, and what homeowners should consider before tapping their equity.Connect with Mortgage Research Network:YouTube: ⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠⁠⁠Instagram…