🔁 Refinancing in 2026: Rate vs. Term vs. Cash-Out vs. HELOC—What Actually Wins? 💰

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 16/01/2026

Refinancing in 2026: Rate, Term, Cash-Out, and HELOCs Compared Refinancing is back on the table in 2026—but it looks very different than it did during the ultra-low-rate era. Today’s borrowers are no longer refinancing just to chase lower rates. Instead, homeowners are using refinancing strategically to improve cash flow, restructure debt, unlock equity, or prepare for future investment opportunities.