(We’ve updated this article to 4 of the top moves for homeowners. This article has been updated on August 3, 2022.)

Interest rates have been rising, home prices have gained over the past couple years but inflation and interest rates are threatening the housing market.

You’ve got many people who think a housing crash is coming, and many that think the housing market will be just fine.

That reality is there are a number of great options available to homeowners who likely have more home equity built up than ever before. Keep reading to find some options that might very well benefit you.

1. Find Out How Much You Might Get To Sell Your Home In Just 3 Minutes

You probably have at least considered putting your home on the market. But did you know there’s a way you might receive a cash offer within 24 hours without any broker, or any showings?

Offerpad will carefully evaluate your home with local market expertise, and could give you a competitive cash offer within 24 hours. All you need to do is fill out a short 3-minute questionnaire.

If you choose to accept your offer, Offerpad will also provide you with free local moving to your next place. You can also pick your closing day, which could be in as little as 24 hours, or choose to extend your stay to live in your current home a little longer.

Find out what your home’s cash offer is in 3 minutes right now.

2. A Cash-out Refinance Could Turn Some Of Your Home Equity Into Cash

If you have equity in your home, an option to get cash could be a Cash-Out Refinance. Use the cash for virtually anything you want like paying off higher interest debt.

A Cash-out refinance replaces your current home loan with a new bigger mortgage, allowing you to take advantage of the equity you’ve built up in your home and access the difference between the two mortgages (your current one and the new one) in cash. The cash you get can go toward virtually anything you want, such as home improvements, paying off debt or other purposes you have.

But be careful not to replace your current mortgage with a higher interest mortgage, unless you might have good reason to do so.

With New American Funding, you can check your mortgage Cash-Out refinance rates in just a few clicks!

New American Funding has funded $60 billions in home loans since 2010. You’ll need a credit score of 620 or higher to get approved with New American Funding.

Find out how much cash you might be able to get from New American Funding now right here!

New American Funding: NMLS#6606

3. Help Protect Your Your Family By Leaving Them Up To $8,000,000

We hate to think about it, but who would make the mortgage payments if something were to happen to you? One of the smartest moves you can make is to help protect your family’s financial future. Many people underestimate how much money is needed to provide for their families after they die. This is why life insurance is very important.

The older you are, the more expensive life insurance becomes. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.

Plus, with Ladder, you can actually lock in your rate. As you age and your health declines, you’ll get to keep paying that same low premium.

Ladder offer’s term life insurance policies starting from as little as $4.95 a month, and you can complete the company’s application in 5 minutes. Ladder is 100% digital for coverage up to $3 million which means no medical exams or filling out paperwork! You’ll simply have to answer a few health questions as part of the online application.

Get your free quote from Ladder today and help ensure your family’s financial future is secure.

$4.95/month pricing is based on 20-year-old female, preferred plus rating with a 10 year term and $100,000 in coverage.

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.

4. Get Up To $600k Cash For Your Home Without Having To Move (This is not a loan and has no monthly payments!)

Your home is extremely valuable but it’s hard to access that value unless you sell. But now, there is a new way to access your home equity for cash without needing to move or taking out a loan. You can use that cash to pay off high interest debt, home improvements, or basically anything you want.

Hometap might be the solution you’ve been looking for. Hometap could invest in your home, giving you cash today, in exchange for a percentage share in your home’s future appreciation, allowing you to cash in on your home’s equity and take advantage of the housing boom without needing to move. If you qualify, Hometap will give you up to $600k or 30% of your home’s value in cash. Unlike a loan, there’s no interest, no monthly payments, and no debt.

• To find out if you pre-qualify for a Hometap investment in less than two minutes, just enter your address on the Hometap website followed by some basic information, property information and personal information like your social security number.

So what’s the catch? There’s no catch, really. In exchange for its investment, Hometap will share in the profit or loss when you finally decide to sell your home and move out (up to 10 years later). If you decide you want to stay longer than 10 years, you can settle the agreement with Hometap at the end of the term without moving out.

Get an estimate of how much cash you can get now. See if you prequalify for a Hometap investment in less than two minutes. You can use the money however you’d like: make home improvements, fund a child’s education or your retirement, eliminate debt … it’s up to you.