Real Talk with Matt

“Don’t Refinance Yet: The Home Equity Hack Everyone’s Using in 2025”


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In this episode of Real Talk with Matt, we’re diving into one of the most powerful — and underrated — strategies homeowners are using right now: tapping their home’s equity without refinancing.

Matt breaks down how record-high home equity, steady mortgage rates, and the Fed’s outlook for 2026 are shaping the smartest moves in today’s housing market.

You’ll learn:

• The difference between a HELOC and a second mortgage
• How to use your equity strategically without losing your low first-mortgage rate
• Real examples from homeowners who are doing it right
• When not to use a HELOC — and how to avoid common traps

Whether you’re remodeling, consolidating debt, or looking for cash to invest, this is your 2025 guide to making your equity work for you.

🔑 Ready to see how much equity you can access? Visit AnchorHL.com for your free equity analysis.

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Real Talk with MattBy Real Talk With Matt