[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"nav-categories":3,"article-cash-out-refinance-or-home-equity-loan-which-is-better":70},{"data":4},[5,37,57,64],{"name":6,"slug":7,"categories":8},"Productivity","productivity",[9,13,17,21,25,29,33],{"id":10,"title":11,"slug":12},17,"Branding","branding",{"id":14,"title":15,"slug":16},19,"Marketing","marketing",{"id":18,"title":19,"slug":20},20,"Work","work",{"id":22,"title":23,"slug":24},34,"Community","community",{"id":26,"title":27,"slug":28},21,"For newbies","for-newbies",{"id":30,"title":31,"slug":32},24,"Investment","investment",{"id":34,"title":35,"slug":36},22,"Finance","finance",{"name":38,"slug":39,"categories":40},"Tech","tech",[41,45,49,53],{"id":42,"title":43,"slug":44},28,"Technology","technology",{"id":46,"title":47,"slug":48},32,"Artificial Intelligence","artificial-intelligence",{"id":50,"title":51,"slug":52},26,"Security and protection","security-and-protection",{"id":54,"title":55,"slug":56},31,"YouTube Blog","youtube-blog",{"name":58,"slug":59,"categories":60},"News","news",[61],{"id":62,"title":58,"slug":63},18,"quasanews",{"name":65,"slug":66,"categories":67},"Business","business",[68],{"id":69,"title":65,"slug":66},16,{"post":71,"published_news":96,"popular_news":164,"categories":234},{"title":72,"description":73,"meta_title":72,"meta_description":73,"meta_keywords":74,"text":75,"slug":76,"created_at":77,"publish_at":78,"formatted_created_at":79,"category_id":34,"links":80,"view_type":85,"video_url":86,"views":87,"likes":88,"lang":89,"comments_count":88,"category":90},"Cash-Out Refinance Or Home Equity Loan: Which Is Better?","If you’re learning about mortgages, you’ll likely hear two terms thrown around pretty often.","Cash-Out Refinance Or Home Equity Loan, finance","\u003Cp>Hello!\u003C/p>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto/00-kor-6.webp\" type=\"image/webp\">\u003Cimg alt=\"Cash-Out Refinance Or Home Equity Loan: Which Is Better?\" class=\"image-align-left\" height=\"200\" src=\"https://cdn.quasa.io/photos/foto/00-kor-6.jpeg\" width=\"300\" />\u003C/picture>If you’re learning about mortgages, you’ll likely hear two terms thrown around pretty often. One is a “cash-out refinance,” and the other is a “\u003Ca href=\"https://quasa.io/media/how-does-online-fraud-happen-when-requesting-a-loan\">home equity loan\u003C/a>,” sometimes abbreviated as HELOC, which means home equity line of credit.\u003C/p>\n\n\u003Cp>If you’re working on getting your finances in order, there are all kinds of ways to do that. For instance, you might consolidate \u003Ca href=\"https://quasa.io/media/what-is-a-loan-on-a-credit-card-how-does-it-work\">credit card\u003C/a> debt or start budgeting. However, learning about and pursuing either cash-out refinancing or a home equity loan can also be helpful under the right circumstances.\u003C/p>\n\n\u003Cp>We’ll talk about both of those options in the following article. We’ll explain the difference between them and which one is usually a better move.\u003C/p>\n\n\u003Ch4>Cash-Out Refinance\u003C/h4>\n\n\u003Cp>Cash-out refinancing refers to a loan you take out on a property you already own. Essentially, you’re replacing your current mortgage with a new one. Cash-out refinancing is not possible if you don’t already have an existing mortgage.\u003C/p>\n\n\u003Cp>If you decide to do cash-out refinancing, you’re replacing the mortgage you have right now with a larger one. You will then get paid in cash the difference between the old mortgage and the new one.\u003C/p>\n\n\u003Ch4>Home Equity Loan\u003C/h4>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-1/0-fi-11.webp\" type=\"image/webp\">\u003Cimg alt=\"Cash-Out Refinance Or Home Equity Loan: Which Is Better?\" class=\"image-align-left\" height=\"225\" src=\"https://cdn.quasa.io/photos/foto-1/0-fi-11.jpeg\" width=\"300\" />\u003C/picture>With a home equity loan, you’re borrowing money by using your home’s equity as collateral. A lending entity will generally determine how much it can offer you by looking at the property’s value.\u003C/p>\n\n\u003Cp>The lending institution, often a bank or credit union, will send an appraiser to your home. This appraiser will be an expert in the real estate market in which you reside. They will determine the home’s value, and then the lending entity will offer you a loan based on the amount the appraiser calculated the home to be worth.\u003C/p>\n\n\u003Ch4>Why Get a Home Equity Loan or Cash-Out Refinancing?\u003C/h4>\n\n\u003Cp>There are various reasons for pursuing a home equity loan or cash-out refinancing. For instance, you could use the money from either of those options to pay for unexpected medical bills or to start your own business.\u003C/p>\n\n\u003Cp>The bottom line with either a home equity loan or cash-out refinancing is that you are borrowing the money you need for any reason against your home.\u003C/p>\n\n\u003Ch4>Which One is Better?\u003C/h4>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-1/0-fi-9.webp\" type=\"image/webp\">\u003Cimg alt=\"Cash-Out Refinance Or Home Equity Loan: Which Is Better?\" class=\"image-align-left\" height=\"200\" src=\"https://cdn.quasa.io/photos/foto-1/0-fi-9.jpeg\" width=\"300\" />\u003C/picture>If you’re considering both options, it’s important to understand that cash-out refinancing is considered a first loan while a home equity loan is a second loan.\u003C/p>\n\n\u003Cp>In other words, if you do cash-out refinancing, you’re replacing your existing mortgage with a new one instead of taking on a second loan on top of it. With a home equity loan, you’re applying for a second loan on top of your existing mortgage. Thus, you’re adding a second financial obligation.\u003C/p>\n\n\u003Cp>Almost every time, cash-out refinancing is the better move. This is because you’re much more likely to get a better interest rate with cash-out refinancing.\u003C/p>\n\n\u003Cp>Also read: \u003Ca href=\"https://quasa.io/media/from-dacha-to-steam-the-mushroom-hunter-simulator-demo-is-strangely-addictive\">From Dacha to Steam: The Mushroom Hunter Simulator Demo Is Strangely Addictive\u003C/a>\u003C/p>\n\n\u003Ch4>Understand the Difference\u003C/h4>\n\n\u003Cp>You should understand the difference between a home equity loan and cash-out refinancing if you need money urgently and you’re considering one of these options. Remember, with a home equity loan, you’re taking on a second loan that you must make payments on in addition to the ones you’re already making on your existing mortgage.\u003C/p>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-1/0-fi-6.webp\" type=\"image/webp\">\u003Cimg alt=\"Cash-Out Refinance Or Home Equity Loan: Which Is Better?\" class=\"image-align-left\" height=\"195\" src=\"https://cdn.quasa.io/photos/foto-1/0-fi-6.jpeg\" width=\"300\" />\u003C/picture>By contrast, with cash-out refinancing, you’re replacing your existing mortgage with another one. It will have its own monthly payment amount, interest rate, and term length.\u003C/p>\n\n\u003Cp>It’s almost always a better move to do cash-out refinancing instead of a home equity loan because you’re liable to get a better interest rate from the lending entity. You always want a lower interest rate because you’ll pay the lender less money over time.\u003C/p>\n\n\u003Cp>Thank you!\u003Cbr />\nJoin us on social networks!\u003Cbr />\nSee you!\u003C/p>","cash-out-refinance-or-home-equity-loan-which-is-better","2022-06-08T17:27:25.000000Z","2025-09-01T09:30:00.000000Z","01.09.2025",{"image":81,"image_webp":82,"thumb":83,"thumb_webp":84},"https://cdn.quasa.io/images/news/31CkBUzGtPJsfK6f1pMqwKkblRSkFoI6PMfH2nKR.jpg","https://cdn.quasa.io/images/news/31CkBUzGtPJsfK6f1pMqwKkblRSkFoI6PMfH2nKR.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/31CkBUzGtPJsfK6f1pMqwKkblRSkFoI6PMfH2nKR.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/31CkBUzGtPJsfK6f1pMqwKkblRSkFoI6PMfH2nKR.webp","large",null,2551,0,"en",{"id":34,"title":35,"slug":36,"meta_title":91,"meta_description":92,"meta_keywords":93,"deleted_at":86,"created_at":94,"updated_at":95,"lang":89},"Quasa Media's Growth Hacking Finance Blog","Trends in financial literacy. Savings and investment options.","Finance, invest, money, rich, financial plan","2021-10-27T19:57:04.000000Z","2024-08-25T15:36:23.000000Z",[97,112,125,138,151],{"title":98,"description":99,"slug":100,"created_at":101,"publish_at":102,"formatted_created_at":103,"category":104,"links":105,"view_type":110,"video_url":86,"views":22,"likes":88,"lang":89,"comments_count":88,"is_pinned":111},"GitHub’s AI Agent Tsunami: 275 Million Commits a Week, 14 Billion Projected for 2026 — And the Platform Is Starting to Crack","GitHub just hit numbers that would have sounded like science fiction twelve months ago.","github-s-ai-agent-tsunami-275-million-commits-a-week-14-billion-projected-for-2026-and-the-platform-is-starting-to-crack","2026-04-17T17:10:50.000000Z","2026-04-20T11:57:00.000000Z","20.04.2026",{"title":58,"slug":63},{"image":106,"image_webp":107,"thumb":108,"thumb_webp":109},"https://cdn.quasa.io/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.jpg","https://cdn.quasa.io/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.webp","small",false,{"title":113,"description":114,"slug":115,"created_at":116,"publish_at":117,"formatted_created_at":103,"category":118,"links":119,"view_type":110,"video_url":86,"views":124,"likes":88,"lang":89,"comments_count":88,"is_pinned":111},"Time’s Up for SaaS: Grow Faster or Disappear","The public markets have spoken — and the verdict is brutal. In early 2026, the software sector is in freefall. The Meritech Public SaaS Index has plunged 37% since the end of Q3 2025.","time-s-up-for-saas-grow-faster-or-disappear","2026-04-17T16:42:27.000000Z","2026-04-20T09:32:00.000000Z",{"title":31,"slug":32},{"image":120,"image_webp":121,"thumb":122,"thumb_webp":123},"https://cdn.quasa.io/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.jpg","https://cdn.quasa.io/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.webp",46,{"title":126,"description":127,"slug":128,"created_at":129,"publish_at":130,"formatted_created_at":103,"category":131,"links":132,"view_type":110,"video_url":86,"views":137,"likes":88,"lang":89,"comments_count":88,"is_pinned":111},"Twitter Dev Builds “Stukach-Claw” — An AI Snitch Bot That’s Already Reported 4,250 People to the IRS for Tax Jokes","A crypto trader and developer known as @camolNFT has gone viral after revealing he built an autonomous AI agent called OpenClaw (affectionately dubbed Stukach-Claw by Russian-speaking users) that actively hunts for “jokes” about tax evasion on social media and automatically files whistleblower reports with the IRS.","twitter-dev-builds-stukach-claw-an-ai-snitch-bot-that-s-already-reported-4-250-people-to-the-irs-for-tax-jokes","2026-04-17T12:09:57.000000Z","2026-04-20T06:06:00.000000Z",{"title":19,"slug":20},{"image":133,"image_webp":134,"thumb":135,"thumb_webp":136},"https://cdn.quasa.io/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.jpg","https://cdn.quasa.io/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.webp",64,{"title":139,"description":140,"slug":141,"created_at":142,"publish_at":143,"formatted_created_at":103,"category":144,"links":145,"view_type":110,"video_url":86,"views":150,"likes":88,"lang":89,"comments_count":88,"is_pinned":111},"Baidu Drops ERNIE-Image: A Compact 8B Open-Source Text-to-Image Model That Tops the Charts","Baidu has just released ERNIE-Image — a new open-weight text-to-image generator that is already turning heads in the AI community.","baidu-drops-ernie-image-a-compact-8b-open-source-text-to-image-model-that-tops-the-charts","2026-04-17T11:57:35.000000Z","2026-04-20T03:44:00.000000Z",{"title":47,"slug":48},{"image":146,"image_webp":147,"thumb":148,"thumb_webp":149},"https://cdn.quasa.io/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.jpg","https://cdn.quasa.io/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/1QiOJcmqi34aQvnRfCwi97GmGUD4JPEukbjf4csU.webp",78,{"title":152,"description":153,"slug":154,"created_at":155,"publish_at":155,"formatted_created_at":156,"category":157,"links":158,"view_type":110,"video_url":86,"views":163,"likes":88,"lang":89,"comments_count":88,"is_pinned":111},"Cloudflare Just Made Email a First-Class Citizen for AI Agents — And Traditional Email Services Are Feeling It","On April 17, 2026, Cloudflare quietly turned a long-standing dream into reality: it moved Email Service into public beta and added full Email Sending alongside the years-old Email Routing.","cloudflare-just-made-email-a-first-class-citizen-for-ai-agents-and-traditional-email-services-are-feeling-it","2026-04-19T18:41:05.000000Z","19.04.2026",{"title":43,"slug":44},{"image":159,"image_webp":160,"thumb":161,"thumb_webp":162},"https://cdn.quasa.io/images/news/BL8rqDdPh380Xfk5TP00aXBFWdOVXI5BUQ1TuSaC.jpg","https://cdn.quasa.io/images/news/BL8rqDdPh380Xfk5TP00aXBFWdOVXI5BUQ1TuSaC.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/BL8rqDdPh380Xfk5TP00aXBFWdOVXI5BUQ1TuSaC.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/BL8rqDdPh380Xfk5TP00aXBFWdOVXI5BUQ1TuSaC.webp",126,[165,178,193,205,220],{"title":166,"description":167,"slug":168,"created_at":169,"publish_at":170,"formatted_created_at":171,"category":172,"links":173,"view_type":110,"video_url":86,"views":176,"likes":177,"lang":89,"comments_count":88,"is_pinned":111},"The Anatomy of an Entrepreneur","Entrepreneur is a French word that means an enterpriser. 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We offer to place your article, add a link or order the writing of an article for publication.","advertising-on-quasa","2022-07-06T07:33:02.000000Z","2025-12-15T17:33:02.000000Z","15.12.2025",{"title":58,"slug":63},{"image":187,"image_webp":188,"thumb":189,"thumb_webp":190},"https://cdn.quasa.io/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.jpg","https://cdn.quasa.io/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.webp",70708,4,{"title":194,"description":195,"slug":196,"created_at":197,"publish_at":198,"formatted_created_at":199,"category":200,"links":201,"view_type":110,"video_url":86,"views":204,"likes":192,"lang":89,"comments_count":88,"is_pinned":111},"What is a Startup?","A startup is not a new company, not a tech company, nor a new tech company. 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