The reason I don’t talk about fixed or variable interest rates at the beginning of a mortgage conversation is that ‘the best rate' depends.

Why am I not worried about rates? Rates are cyclical. Rates go up and rates go down. But, let's look at this as an opportunity.

There are two primary ways to access the equity in your home: refinancing with a standard mortgage or setting up a HELOC.

The features and fine print that affect your total cost of borrowing. TL;DR: there are many factors besides the interest rate that will...