Home loans aren't 3% anymore. They are in the 5+% for a 30 year now.
You can have big equity draw downs during bad periods. 30-50% from peak levels.
Learn to sell puts or put spreads using the money as collateral. Worst case you buy the shares at a lower price while generating monthly income to pay the fully amortized note. If you get shares put on you, wheel it and sell calls against the stock.
