Thinking about refinancing your mortgage? Hold up—rates are still hovering above 6%, which isn’t great if you locked in a sweet deal back in 2020 or 2021. Instead of refinancing, consider tapping your home’s equity with a home equity loan or HELOC for things like renovations or tuition. Just remember, your house is on the line, so borrow smart! #RealEstate #MortgageRates #HomeEquity