{
 "title": "The true cost of home equity investments in 2026",
 "publisher": "HEI Facts",
 "url": "https://heifacts.com/true-cost-2026",
 "license": "CC BY 4.0",
 "terms_verified": "2026-09-23",
 "heloc_reference_pct": 8.5,
 "note": "Published provider terms applied to a standard example. Real offers vary. Methodology: https://heifacts.com/true-cost-2026#method",
 "rows": [
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}