If you have owned in Langley or the Fraser Valley for a while, you likely have real equity in your home. There are three main ways to tap it: a home equity line of credit, a refinance of your existing mortgage, or a second mortgage. They are not interchangeable. The right one depends on how much you need, when you need it, and what rate you can accept.

Here is how I help clients choose.

The three options at a glance