The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Cartoon-style illustration of a homeowner sitting on a large house-shaped piggy bank with empty pockets, representing being house-rich but cash-poor.

House-Rich, Cash-Poor: How to Protect Your Cash Flow Without Sacrificing Equity

By Scott Sheldon / December 4, 2025

Owning a valuable home feels great—until your checking account says otherwise. Many homeowners are house-rich and cash-poor: sitting on significant home equity but struggling with day-to-day expenses. On paper, they look financially strong. In practice, they’re stretched thin. The key to long-term stability is finding balance—protecting equity while keeping your cash flow flexible and healthy.…

Read More