HELOC Rates Dropping in 2025
Update: 2025-11-25
Description
HELOC Rates Dropping: A Golden Opportunity for HomeownersHome equity lines of credit (HELOCs) are experiencing record-low interest rates in 2025, with a strong possibility of further drops in December due to anticipated Federal Reserve rate cuts. This could mean even more favorable borrowing conditions for homeowners looking to access their home equity. With over $34 trillion in home equity and low primary mortgage rates, many homeowners are opting for HELOCs to tap into their value without refinancing. The average weekly HELOC rate is now 7.64%, a significant decrease from the start of the year. If you have a low-rate mortgage and substantial equity, now might be the perfect time to explore a HELOC for renovations or other needs, but be sure to compare offers and understand all terms, especially introductory rates.
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