Note: The sample rates included in the reviews are accurate as of December 1, 2025 and are subject to change at any time. What do you do if you want to tap your equity without losing your low rate?

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It’s a widespread belief in American life: it's hard to become a homeowner, but once you’re in the door, you’re home free, with few of the financial challenges that often plague renters. Not so fast.

If you've been trying to borrow money recently, you're likely aware of how expensive it is to take out a personal loan or use a credit card right now. That's because, as the Federal Reserve hiked ...