HELOC Rates Drop: Access Home Equity Wisely
Update: 2025-11-22
Description
Discover the current HELOC rates and how to leverage your home equity wisely. The national average HELOC rate is 7.64%, but many lenders offer introductory rates lower than the market average. With nearly $36 trillion in home equity, homeowners can access funds through a HELOC without refinancing their entire mortgage. HELOC rates are based on an index rate, currently at 7.00%, and vary based on credit score, debt, and home value. Shop around for the best offers, considering both introductory and long-term variable rates.
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