Home Equity Loan vs HEI in 2026: Control, Risk, and True Cost Explained скачать в хорошем качестве

Home Equity Loan vs HEI in 2026: Control, Risk, and True Cost Explained

In this video, mortgage expert Arjun Dingra, contributor at The Mortgage Reports and a veteran of the mortgage industry, breaks down the real differences between a HELOC and a Home Equity Investment (HEI) in 2026. This isn’t a rate debate - it’s a control debate. If you’re a homeowner considering how to tap your home equity, understanding the long-term cost, risk, and ownership tradeoffs between a HELOC and an HEI is critical. 🔍 What you’ll learn in this video: *What a HELOC (Home Equity Line of Credit) really costs over time *How interest-only payments and variable rates impact HELOC borrowers *Why HELOCs allow homeowners to keep 100% of future appreciation *How Home Equity Investments (HEIs) work, and why they’re not loans *The hidden risk of giving up a share of your home’s appreciation *Real-world examples comparing HELOC vs HEI over a 10-year period *When an HEI could quietly become the most expensive money you ever took 🏠 HELOC vs HEI: The Core Difference HELOC: You pay interest, but you keep control and full ownership of your home HEI: No monthly payments, but you give up a slice of your home’s future value In a rising housing market, that tradeoff can be far more costly than it appears. 👍 If you found this helpful, like the video, subscribe for more mortgage and housing insights, and drop your questions in the comments.