{ "item_title" : "HELOC Risk Management", "item_author" : [" Joseph G. Correa "], "item_description" : "HELOC Risk Management: How to Use Home Equity Without Over-Leveraging or Losing Your Home is the definitive guide for homeowners who want to unlock their home's financial power without putting their most important asset at risk. Written by licensed mortgage broker Joseph G. Correa, this book teaches you how to use HELOCs the way professionals do-with structure, discipline, and long-term protection.Inside this book you will discover:How to calculate your true safe borrowing limit based on cash flow, not just equityHow to stress-test your HELOC against interest rate increases and income changesHow to protect your home using liquidity, reserves, and conservative loan-to-value rulesHow to design exit strategies so HELOCs never become permanent debtHow to avoid the psychological traps that cause homeowners to over-borrowHow to adapt your HELOC strategy across economic cyclesHow to build a lifetime system that keeps your home safe while your wealth growsThis book is not about avoiding leverage. It is about using it with intelligence, foresight, and control so your home becomes a financial engine instead of a financial risk.If you are ready to use your home equity with confidence, clarity, and professional-level discipline, this book will give you the framework you need. Start reading today and take control of your home, your money, and your future.", "item_img_path" : "https://covers1.booksamillion.com/covers/bam/9/79/829/557/9798295576560_b.jpg", "price_data" : { "retail_price" : "19.99", "online_price" : "19.99", "our_price" : "19.99", "club_price" : "19.99", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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