Accessing the equity in your home can help you move forward on your financial goals, whether you’re planning major renovations, consolidating high-interest debt, or building long-term stability.

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Rising home values have led to significant equity gains over the past few years. As of 2025, homeowners hold an aggregate of over $30 trillion. A cash-out refinance allows you to tap into your home ...

Refinancing could make sense if you want to lower your interest rate, get rid of mortgage insurance or change loan terms ...

Refinancing your home equity loan can cut thousands in interest — especially if you're stuck with rates from 2023's spike. Here's how to decide if it's right for you.