The EquityUSA Blog

Home equity, in plain English.

Guides, rate commentary, and real-world scenarios — written to help homeowners make confident decisions about their equity.

U.S. state outlines on a map

The State-by-State Guide to Home Equity Laws and Protections

Your state has a significant effect on how much equity you can access, what protections you have as a borrower, and how quickly a lender can foreclose. Here's what you need to know about your state.

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Home Equity Scams Targeting U.S. Homeowners: How to Spot and Avoid Them

As home equity has grown, so has the industry targeting homeowners with predatory products and outright fraud. Here's what to watch for and how to protect yourself.

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How Rising Home Values Have Changed Who Has Equity in America

A decade of home price appreciation has dramatically reshaped the equity landscape. Some homeowners have been major beneficiaries. Others have been priced out of the picture entirely.

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The Reverse Mortgage Question: When It Makes Sense and When It Doesn't

Reverse mortgages are one of the most misunderstood financial products in America. Here's what they actually are, who they're designed for, and the red flags to watch for.

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First-Generation Homeowners and Home Equity: What You Need to Know

For many first-gen homeowners, home equity represents a family's first major wealth accumulation — and the decisions around it carry unique weight. Here's a plain-language guide.