In the history of household equity and mortgage interest rates, has never been a greater spread between the two. Usually, rates move down with negative news and up based on positive information. For example, in 2006, during the housing bubble (where household equity was the greatest ever), interest rates ranged around 6.75%. Whereas, when the buddle burst, and we moved into the Great Recession, values dropped, and so did rates. But, in this presentation, I highlight the spread between the high household equity (most significant in history ) and the lowest rates in our lifetime, which creates the most extensive spread between the two. This creates massive opportunities, so I want to highlight some of the options and opportunities you might want to think about, which I hope stimulates thoughts and questions.This presentation highlights the need to turn adjustable debt ( e.g., equity lines of credit ) and the need to move it into a fixed-rate mortgage. This type of refi is considered a cash-out refi, even though no cash is taken. The timing is essential because these loans adjust when the FED's move short-term rates, plus you need to consider what time we are in the housing industry, which happens to be the most significant equity position in your property in history.