📺 Homeowners are sitting on record equity — and not using it
Why Homeowners Are Not Tapping Into Record-Breaking Equity
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This analysis explores the paradox of record-high home equity availability versus low utilization rates among borrowers. It examines the economic and psychological factors, such as rising interest rates and existing low mortgage rates, that discourage homeowners from accessing their wealth.
- Current HELOC utilization rates remain below 0.1% despite $11.5 trillion in available equity.
- Rising benchmark interest rates make new secondary loans significantly more expensive.
- Many borrowers hold mortgages with rates at 4% or lower, making refinancing unattractive.
- The disconnect between frozen wealth and current borrowing costs affects the broader economy.
Understanding these dynamics helps investors and homeowners grasp why liquidity is not flowing into the housing market despite high asset values.
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