Homeowners Are Tapping Into Their Equity to Manage Major Expenses

A recent HousingWire report examining more than 500,000 home equity line of credit applications found that homeowners ages 40-60 had approximately $320,000 in average home equity and $5,350 in monthly debt obligations.

The analysis also found that nearly half of borrowers in this age group were using home equity to pay down debt.

Source: HousingWire, October 12, 2026 - "Sandwich Generation HELOC Borrowers"

What This Means for Texas Homeowners

For homeowners with substantial equity who need cash for debt consolidation, remodeling, or other major expenses, a fixed-rate second mortgage may be worth considering.

Unlike a variable-rate HELOC, a 30-year fixed second lien offers predictable monthly principal and interest payments while allowing homeowners to keep their existing first mortgage and its interest rate.

Texas homeowners can explore their options at 2ndLiens.com.

See How Much Cash You Could Access → Here

Licensing & Disclosures

2ndLiens.com is a marketing brand and is not a lender. All loans are originated through Town Lake Lending, NMLS #2484417. Todd Kurio, Loan Originator, NMLS #216616. Texas only. townlakelending.com