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Once you put money into your house, it’s no longer easy to access. Sure, you could take out a reverse mortgage, home equity loan or HELOC in a pinch. But that’s not always ideal or guaranteed.

reverse mortgages and cash-in refinancing. Credit score: Most lenders require a 620 FICO score to refinance a mortgage. We noted if a lender had options for borrowers with lower credit scores.

It also ranks highly for customer satisfaction on J.D. Power's mortgage surveys. Standout benefits: BoA doesn't charge application fees, annual fees or closing costs for HELOCs. Who's this for?

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AI is changing our lives in a 21st century industrial revolution powered by semiconductors, writes Anne Ashworth (pictured).