HELOCGuide in progress
Don't refi your 3% mortgage. Get a HELOC instead.
If you have a sub-5% first-lien from 2020-21, cash-out refi is almost always wrong. Here's the math.
HELOC · Jan 14, 2026 · 4 min
If you have a sub-5% first-lien from 2020-21, cash-out refi is almost always wrong. Here's the math. This topic is queued for a full Lend Labs guide with worked examples, borrower-fit notes, and lender-program context.
Full article pending
The original static migration only included the card summary for this post. Until the full article is authored, this page keeps the topic discoverable without inventing mortgage advice.