BetterChoice Mortgages on Instagram: "🏡 HELOC vs. Mortgage — What’s the Difference? Not sure whether a HELOC or a mortgage is the better option when accessing your home equity? Each works differently and the right choice depends on your goals, cash flow, and long-term plans. ✔️ HELOC: flexible access to funds, interest-only payments, variable rate ✔️ Mortgage: fixed structure, predictable payments, often lower long-term cost There’s no one-size-fits-all answer — what matters is choosing the opt