{"id":47521,"date":"2016-05-03T06:45:45","date_gmt":"2016-05-03T13:45:45","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=47521"},"modified":"2025-12-11T14:52:09","modified_gmt":"2025-12-11T22:52:09","slug":"when-is-opening-a-heloc-the-right-move","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/when-is-opening-a-heloc-the-right-move\/","title":{"rendered":"When is Opening a HELOC the Right Move?"},"content":{"rendered":"
\"Mortgage<\/figure>\n

Home values have been rising, while at the same time homeowners have been diligently paying down their mortgage debt. That\u2019s all good, right? Well, now financial institutions may try to entice you to re-up that mortgage debt and tap into the thousands of dollars of equity in your home.<\/p>\n

In fact, home equity lines of credit are making a comeback. The issuance of HELOCs topped $156 billion in 2015, according to mortgage data firm CoreLogic<\/a>. That\u2019s a 138% increase since 2010.<\/p>\n

Is this a good time for you to open a HELOC? Let\u2019s consider the pros and cons.<\/p>\n

When a HELOC Makes Sense<\/h3>\n

Just about every financial expert agrees: Using a home equity line of credit to improve, remodel or repair your home is often a good idea.<\/p>\n

With interest rates still low, if you\u2019re in a good financial place right now \u2014 holding a solid job, having manageable debt, and planning to live right where you are for the next several years \u2014 a HELOC could be just what your home\u2019s outdated kitchen, gloomy bathroom or paint-peeling exterior needs.<\/p>\n

That\u2019s the sunny side of the street. Now, let\u2019s cross over to the darker side.<\/p>\n

When a HELOC Might Not Be a Good Idea<\/h3>\n

Experts are less unified about whether a HELOC should be used for purposes other than upgrading your home.<\/p>\n

Some folks will encourage you to take out a tax-deductible, low-rate HELOC<\/a> to pay off high-interest credit cards or personal loans. Thing is, a home equity line is a second mortgage and it\u2019s \u201csecured\u201d \u2014 your home is the collateral you put up. So you\u2019ll be putting your home at risk to replace unsecured consumer debt.<\/p>\n

If you get behind on your credit card debt, collectors sure can make your life miserable \u2014 but they can\u2019t take your home. But if you get past due on your HELOC mortgage, that\u2019s exactly what can happen.<\/p>\n

If you\u2019re finding money tight, a HELOC might improve your short-term cash flow, but as a long-term bet it\u2019s generally not a good risk.<\/p>\n

Remember that HELOCs are usually variable-interest-rate loans. The rate may be low today but creep up over the coming years. If you\u2019re not diligently paying it off, you might end up climbing a high-rate mountain of debt.<\/p>\n

Day-to-day cash flow woes aren\u2019t cured by trading one debt for another. The real solution is all about reducing expenses, raising income and paying off bills.<\/p>\n

Be Careful About Taking the Bait of a Teaser Rate<\/h3>\n

When lenders see an opening, they build a marketing pitch quickly. Just in the last couple of months, some high-profile lenders have begun hawking HELOC specials. One of the most common: low introductory interest rates for a limited time. You might get something along the lines of 1.99% interest for six months, but then all bets are off.<\/p>\n

Wait. We\u2019ve been here before. Isn\u2019t this how the housing crisis began?<\/p>\n

You may be tempted. No cost, no appraisal, no interest \u2014 no problem? But sometimes you have to just say no.<\/p>\n

Is a HELOC Right for You?<\/h3>\n

Obvious statement alert: In order to tap the equity in your home, you\u2019ve got to have some. CoreLogic says that the number of homeowners with more than 20% equity \u2014 prime candidates for home equity lines of credit \u2014 are \u201crising rapidly<\/a>.\u201d Just in the fourth quarter of 2015, home equity increased by 11.5% \u2014 a whopping $680 billion \u2014 marking the 13th consecutive quarter of double-digit home equity growth.<\/p>\n

If you\u2019ve seen your home\u2019s equity swell, you can keep it tucked away in the walls of your house as an asset growing for the future. Or you can draw wisely on a home equity line for good reason \u2014 usually repairs and upgrades \u2014 and add a bit more value to your home.<\/p>\n","protected":false},"excerpt":{"rendered":"

Home equity lines of credit are making a comeback. Here’s how to know if a HELOC is right for you. <\/p>\n","protected":false},"author":254,"featured_media":47524,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34277],"tags":[3621,3242],"coauthors":[4266],"class_list":["post-47521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-finance","tag-mortgage-tips"],"acf":[],"yoast_head":"\nWhen is Opening a HELOC the Right Move? - Redfin<\/title>\n<meta name=\"description\" content=\"Home equity lines of credit are making a comeback. 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