{"id":58070,"date":"2025-11-24T20:24:23","date_gmt":"2025-11-24T20:24:23","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/"},"modified":"2025-11-24T20:24:23","modified_gmt":"2025-11-24T20:24:23","slug":"3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/","title":{"rendered":"3 costly home equity borrowing mistakes to avoid before 2026"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/223b9b01-5898-4f07-8899-7b48b6b2aa71\/thumbnail\/620x388\/e22ad389f1bbfbb63289554c2d82d67f\/gettyimages-847148412.jpg#\" alt=\"gettyimages-847148412.jpg \" height=\"388\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/223b9b01-5898-4f07-8899-7b48b6b2aa71\/thumbnail\/620x388\/e22ad389f1bbfbb63289554c2d82d67f\/gettyimages-847148412.jpg 1x, https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/223b9b01-5898-4f07-8899-7b48b6b2aa71\/thumbnail\/1240x776\/8644870ca9a02732e685aa40bc5a7a99\/gettyimages-847148412.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">Home equity borrowing mistakes made at the end of 2025 could come with high costs and risky consequences.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Getty Images\/iStockphoto<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p><span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Home equity loans<\/a><\/span> and <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-heloc\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity lines of credit (HELOCs)<\/a><\/span> can be effective, useful and affordable borrowing tools in today&#8217;s unique economic landscape. But they&#8217;re not perfect and, like all other borrowing products, need to be approached strategically in order to secure value and minimize risk. That&#8217;s especially true when considering that both products leverage your existing home equity as collateral. Failure to make repayments as agreed could easily result in <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/can-you-lose-your-home-with-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">foreclosure on the property<\/a><\/span> in question.<\/p>\n<p>At the same time, home equity loans and HELOCs represent two of the most affordable ways to borrow money right now, with <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/things-borrowers-should-do-with-home-equity-rates-under-8-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">interest rates under 8%<\/a><\/span> on both. So it&#8217;s worth taking the time to understand how they work, how they should be utilized and which mistakes to avoid to better ensure borrowing success. Below, we&#8217;ll break down three mistakes that borrowers should specifically avoid making right now, in the final weeks of 2025.\u00a0<\/p>\n<p><a href=\"https:\/\/www.bankrate.com\/landing\/cbsnews\/best-home-equity-options\/?sub-id=www.cbsnews.com\/news\/costly-home-equity-borrowing-mistakes-to-avoid-before-2026\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how much home equity you&#8217;d be eligible to borrow here<\/a>.<\/p>\n<h2><strong>3 costly home equity borrowing mistakes to avoid before 2026<\/strong><\/h2>\n<p>Want to maximize your chances of success with a home equity loan or HELOC in the final month of 2025, approximately? To do so, avoid making these three costly mistakes:<\/p>\n<h3><strong>Not using it for home repairs and projects<\/strong><\/h3>\n<p>The interest paid on both <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/is-home-equity-loan-tax-deductible\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity loans<\/a><\/span> and HELOCs is <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/is-heloc-tax-deductible\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">tax-deductible<\/a><\/span> if the products are used for <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/which-projects-qualify-for-home-equity-loan-tax-deductions\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">eligible home repairs and projects<\/a><\/span>. But with just weeks left in the year, time is running out to secure what could be a sizable tax deduction when it comes time to file your taxes next year. If you already have a HELOC or home equity loan or anticipate securing one soon, understand that there will be consequences for not using it this way now. Waiting until January 1 will delay this tax deduction until you file your taxes again in 2027. Acting now, however, could mean a much lower tax bill next April 15.<\/p>\n<p><a href=\"https:\/\/www.bankrate.com\/landing\/cbsnews\/best-home-equity-options\/?sub-id=www.cbsnews.com\/news\/costly-home-equity-borrowing-mistakes-to-avoid-before-2026\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Learn more about your home equity loan and HELOC tax deduction eligibility now<\/a>.<\/p>\n<h3><strong>Choosing a HELOC on the assumption that rates will continuously decline<\/strong><\/h3>\n<p><span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-low-heloc-interest-rates-dropped-past-year-2024-2025\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">HELOC interest rates have been seemingly on a never-ending decline<\/a><\/span>, down more than two full percentage points since September 2024. So automatically choosing this product now with the hope that its <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-to-decide-fixed-or-variable-rate-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">variable-rate nature<\/a><\/span> will position you to exploit additional rate declines ahead makes sense (on paper). But there&#8217;s no guarantee that the <a href=\"https:\/\/www.cmegroup.com\/markets\/interest-rates\/cme-fedwatch-tool.html\" target=\"_blank\" rel=\"nofollow noopener\">Federal Reserve will even cut rates in December<\/a>, let alone in 2026.\u00a0<\/p>\n<p>So borrowing with this product simply on the assumption that it will only become cheaper is not only a mistake, but it could become a cost-prohibitive one fairly quickly should rates here reverse course. And with home equity loan rates fixed, and only slightly more expensive than HELOCs right now, you have a cost-effective and more secure alternative home equity borrowing tool at your fingertips.<\/p>\n<h3><strong>Borrowing more than you actually need<\/strong><\/h3>\n<p>A report earlier this year showed the average homeowner with just over <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-the-average-home-equity-amount-right-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">$300,000 in equity<\/a><\/span>. A report later in the year showed <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/home-equity-levels-hit-new-high-how-to-borrow-yours-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity levels hitting a new record high<\/a><\/span> in the country. Depending on where you live, then, and your existing mortgage balance, you may have a robust borrowing source under your roof now. But borrowing more than you actually need is always a mistake worth avoiding, especially in today&#8217;s economic climate, in which the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/jobs-report-september-2025-economy-trump-hiring-bls\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">unemployment rate<\/a><\/span> just rose and <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/cpi-report-today-inflation-september-2025-tariffs\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">inflation<\/a><\/span> remains sticky.\u00a0<\/p>\n<p>Leveraging your most prized financial asset, then, should be done carefully and in a limited capacity. In other words, borrowing with a HELOC or home equity loan to finance the aforementioned home repairs and projects makes sense now. But borrowing with either to pay for holiday expenses or gifts, for example, doesn&#8217;t.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>Borrowing home equity doesn&#8217;t just happen overnight. It&#8217;s an ongoing journey in which smart financial decisions need to become the rule and not the exception, especially now, in the final weeks of the year. By carefully navigating past the aforementioned mistakes and by using their home equity in thought-out, appropriate ways, homeowners can improve their chances of success with either a home equity loan or HELOC, both in the final weeks of 2025 and into 2026 and beyond.<\/p>\n<section class=\"content__body--footer\">\n<p class=\"content__meta--editors\">\n      Edited by<\/p>\n<p>                                  <a href=\"https:\/\/www.cbsnews.com\/team\/angelica-leicht\/\" class=\"byline__author__link\" data-invalid-url-rewritten-http=\"\">Angelica  Leicht<\/a>\n                      <\/p>\n<\/section>\n<section class=\"content__body--footer\">\n      <!-- tags --><br \/>\n    <\/section>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home equity borrowing mistakes made at the end of 2025 could come with high costs and risky consequences. Getty Images\/iStockphoto<\/p>\n","protected":false},"author":1,"featured_media":58071,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-58070","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3 costly home equity borrowing mistakes to avoid before 2026 - World News<\/title>\n<meta name=\"description\" content=\"To better ensure home equity borrowing success, homeowners should avoid these mistakes in the final weeks of 2025.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 costly home equity borrowing mistakes to avoid before 2026 - World News\" \/>\n<meta property=\"og:description\" content=\"To better ensure home equity borrowing success, homeowners should avoid these mistakes in the final weeks of 2025.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"World News\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-24T20:24:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg\" \/><meta property=\"og:image\" content=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"998\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"News\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"News\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/\"},\"author\":{\"name\":\"News\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/person\/1d8ae7348e048cb7984f26b4dd818ff2\"},\"headline\":\"3 costly home equity borrowing mistakes to avoid before 2026\",\"datePublished\":\"2025-11-24T20:24:23+00:00\",\"dateModified\":\"2025-11-24T20:24:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/\"},\"wordCount\":721,\"publisher\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#organization\"},\"image\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1200&resize=1200,630&ssl=1\",\"articleSection\":[\"Top Stories\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/\",\"url\":\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/\",\"name\":\"3 costly home equity borrowing mistakes to avoid before 2026 - World News\",\"isPartOf\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1200&resize=1200,630&ssl=1\",\"datePublished\":\"2025-11-24T20:24:23+00:00\",\"dateModified\":\"2025-11-24T20:24:23+00:00\",\"description\":\"To better ensure home equity borrowing success, homeowners should avoid these mistakes in the final weeks of 2025.\",\"breadcrumb\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#primaryimage\",\"url\":\"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1200&resize=1200,630&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1200&resize=1200,630&ssl=1\",\"width\":1200,\"height\":630},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/site.itshrt.com\/worldnews\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"3 costly home equity borrowing mistakes to avoid before 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#website\",\"url\":\"https:\/\/site.itshrt.com\/worldnews\/\",\"name\":\"World News\",\"description\":\"World News\",\"publisher\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/site.itshrt.com\/worldnews\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#organization\",\"name\":\"World News\",\"url\":\"https:\/\/site.itshrt.com\/worldnews\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/site.itshrt.com\/worldnews\/wp-content\/uploads\/sites\/13\/2025\/01\/cropped-download.png\",\"contentUrl\":\"https:\/\/site.itshrt.com\/worldnews\/wp-content\/uploads\/sites\/13\/2025\/01\/cropped-download.png\",\"width\":581,\"height\":581,\"caption\":\"World News\"},\"image\":{\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/person\/1d8ae7348e048cb7984f26b4dd818ff2\",\"name\":\"News\",\"url\":\"https:\/\/site.itshrt.com\/worldnews\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"3 costly home equity borrowing mistakes to avoid before 2026 - World News","description":"To better ensure home equity borrowing success, homeowners should avoid these mistakes in the final weeks of 2025.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/","og_locale":"en_US","og_type":"article","og_title":"3 costly home equity borrowing mistakes to avoid before 2026 - World News","og_description":"To better ensure home equity borrowing success, homeowners should avoid these mistakes in the final weeks of 2025.","og_url":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/","og_site_name":"World News","article_published_time":"2025-11-24T20:24:23+00:00","og_image":[{"url":"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg","type":"","width":"","height":""},{"url":"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg","width":1920,"height":998,"type":"image\/jpeg"}],"author":"News","twitter_card":"summary_large_image","twitter_image":"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg","twitter_misc":{"Written by":"News","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#article","isPartOf":{"@id":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/"},"author":{"name":"News","@id":"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/person\/1d8ae7348e048cb7984f26b4dd818ff2"},"headline":"3 costly home equity borrowing mistakes to avoid before 2026","datePublished":"2025-11-24T20:24:23+00:00","dateModified":"2025-11-24T20:24:23+00:00","mainEntityOfPage":{"@id":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/"},"wordCount":721,"publisher":{"@id":"https:\/\/site.itshrt.com\/worldnews\/#organization"},"image":{"@id":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1200&resize=1200,630&ssl=1","articleSection":["Top Stories"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/","url":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/","name":"3 costly home equity borrowing mistakes to avoid before 2026 - World News","isPartOf":{"@id":"https:\/\/site.itshrt.com\/worldnews\/#website"},"primaryImageOfPage":{"@id":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#primaryimage"},"image":{"@id":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1200&resize=1200,630&ssl=1","datePublished":"2025-11-24T20:24:23+00:00","dateModified":"2025-11-24T20:24:23+00:00","description":"To better ensure home equity borrowing success, homeowners should avoid these mistakes in the final weeks of 2025.","breadcrumb":{"@id":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#primaryimage","url":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1200&resize=1200,630&ssl=1","contentUrl":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1200&resize=1200,630&ssl=1","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/site.itshrt.com\/worldnews\/3-costly-home-equity-borrowing-mistakes-to-avoid-before-2026\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/site.itshrt.com\/worldnews\/"},{"@type":"ListItem","position":2,"name":"3 costly home equity borrowing mistakes to avoid before 2026"}]},{"@type":"WebSite","@id":"https:\/\/site.itshrt.com\/worldnews\/#website","url":"https:\/\/site.itshrt.com\/worldnews\/","name":"World News","description":"World News","publisher":{"@id":"https:\/\/site.itshrt.com\/worldnews\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/site.itshrt.com\/worldnews\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/site.itshrt.com\/worldnews\/#organization","name":"World News","url":"https:\/\/site.itshrt.com\/worldnews\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/logo\/image\/","url":"https:\/\/site.itshrt.com\/worldnews\/wp-content\/uploads\/sites\/13\/2025\/01\/cropped-download.png","contentUrl":"https:\/\/site.itshrt.com\/worldnews\/wp-content\/uploads\/sites\/13\/2025\/01\/cropped-download.png","width":581,"height":581,"caption":"World News"},"image":{"@id":"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/site.itshrt.com\/worldnews\/#\/schema\/person\/1d8ae7348e048cb7984f26b4dd818ff2","name":"News","url":"https:\/\/site.itshrt.com\/worldnews\/author\/admin\/"}]}},"magazineBlocksPostFeaturedMedia":{"thumbnail":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=150&resize=150,150&ssl=1","medium":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=300&resize=300,300&ssl=1","medium_large":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=768&resize=768,0&ssl=1","large":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1024&resize=1024,1024&ssl=1","1536x1536":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1536&resize=1536,1536&ssl=1","2048x2048":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=2048&resize=2048,2048&ssl=1","colormag-highlighted-post":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=392&resize=392,272&ssl=1","colormag-featured-post-medium":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=390&resize=390,205&ssl=1","colormag-featured-post-small":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=130&resize=130,90&ssl=1","colormag-featured-image":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=800&resize=800,445&ssl=1","colormag-default-news":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=150&resize=150,150&ssl=1","colormag-featured-image-large":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1400&resize=1400,600&ssl=1","colormag-elementor-block-extra-large-thumbnail":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1155&resize=1155,480&ssl=1","colormag-elementor-grid-large-thumbnail":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=600&resize=600,417&ssl=1","colormag-elementor-grid-small-thumbnail":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=285&resize=285,450&ssl=1","colormag-elementor-grid-medium-large-thumbnail":"https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=575&resize=575,198&ssl=1"},"magazineBlocksPostAuthor":{"name":"News","avatar":"https:\/\/secure.gravatar.com\/avatar\/e85cf08852547781a5f631f3713dbb5197ed4b54e32ae19c7d5769b8c8504897?s=96&d=mm&r=g"},"magazineBlocksPostCommentsNumber":false,"magazineBlocksPostExcerpt":"Home equity borrowing mistakes made at the end of 2025 could come with high costs and risky consequences. Getty Images\/iStockphoto","magazineBlocksPostCategories":["Top Stories"],"magazineBlocksPostViewCount":16,"magazineBlocksPostReadTime":4,"magazine_blocks_featured_image_url":{"full":["https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=1200&resize=1200,630&ssl=1",1200,630,false],"medium":["https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=300&resize=300,300&ssl=1",300,300,false],"thumbnail":["https:\/\/i0.wp.com\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/11\/24\/2629521d-1af5-4454-8e90-8a5455b67b0c\/thumbnail\/1200x630\/4eb5b65ad6ff90d10ecfb27a61fc453d\/gettyimages-847148412.jpg?w=150&resize=150,150&ssl=1",150,150,false]},"magazine_blocks_author":{"display_name":"News","author_link":"https:\/\/site.itshrt.com\/worldnews\/author\/admin\/"},"magazine_blocks_comment":0,"magazine_blocks_author_image":"https:\/\/secure.gravatar.com\/avatar\/e85cf08852547781a5f631f3713dbb5197ed4b54e32ae19c7d5769b8c8504897?s=96&d=mm&r=g","magazine_blocks_category":"<a href=\"#\" class=\"category-link category-link-32\">Top Stories<\/a>","_links":{"self":[{"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/posts\/58070","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/comments?post=58070"}],"version-history":[{"count":0,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/posts\/58070\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/media\/58071"}],"wp:attachment":[{"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/media?parent=58070"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/categories?post=58070"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/site.itshrt.com\/worldnews\/wp-json\/wp\/v2\/tags?post=58070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}