Low HELOC Rates: Tap Home Equity Wisely
Update: 2025-12-28
Description
Homeowners rejoice! The national average interest rate on home equity lines of credit (HELOCs) has plummeted to a three-year low of 7.44% as of late December 2025. This is great news for those with strong credit scores and low loan-to-value ratios. The prime rate has also dropped to 6.75%, making HELOC rates more flexible and affordable. With top lenders offering rates as low as 6.36% APR, homeowners can tap into their equity for renovations, debt payoff, or even a vacation without losing their low-rate first mortgage. However, its important to shop around and understand the terms, as rates can vary widely based on credit, debt load, and home value.
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