Using a HELOC for Debt Consolidation: Is It a Smart Move?
Can a HELOC really save you money on credit card debt? We break down the math, the risks, and the right way to use home equity for debt consolidation in 2026.
Mortgage
HELOC
HELOC guides, comparisons and explainers from VaultIqra.
Best HELOC Lenders of 2026: Top 10 Compared
Compare the best HELOC lenders of 2026 — variable APRs from 7.49%, lines up to $500K, and 90% combined LTV. See our top 10 picks for homeowners.
HELOC Calculator: How Much Can You Actually Borrow?
Use our HELOC calculator framework to find your real borrowing limit in 2026. See CLTV math, payment estimates, and lender variance with worked examples.
HELOC Draw Period vs Repayment Period Explained
Understand HELOC draw vs repayment in 2026 — payment shock, conversion math, and strategies to avoid surprises when your draw period ends.
Using a HELOC for Home Renovation: Complete 2026 Guide
Use a HELOC for home renovation in 2026 — how much to borrow, project ROI, draw strategy, and tax tips. See real costs and the best lenders for renovators.
HELOC Pros and Cons: Is It Right for You?
Weigh the real HELOC pros and cons in 2026 — flexibility and tax perks vs variable rates and foreclosure risk. See who should use a HELOC and who shouldn't.
HELOC Rates 2026: Current Rates, Trends, and Top Offers
See current HELOC rates for 2026 — variable APRs from 7.49%, by credit tier, by lender, and by state. Plus the rate trend forecast for the rest of the year.
HELOC Tax Deduction Rules 2026: What's Deductible?
HELOC tax deduction rules for 2026 — what's deductible, what's not, the $750K cap, and how to document use to keep the deduction clean at audit time.
HELOC vs Cash-Out Refinance: 2026 Comparison
HELOC vs cash-out refinance in 2026 — which costs less, which is faster, and which protects your low first-mortgage rate. Side-by-side cost comparison.
HELOC vs Home Equity Loan: Which Should You Choose in 2026?
HELOC vs home equity loan in 2026 — compare rates, payments, and use cases side by side. Find out which option saves you money based on how you'll borrow.
How to Qualify for a HELOC in 2026
Find out how to qualify for a HELOC in 2026 — credit score, CLTV, DTI, and income requirements explained, with tips to get approved at the lowest rate.