Home equity line of credit (HELOC) rates dropped to 7.18%, the lowest in over three years, while five-year home equity loan rates fell to 7.84%. These rates remain lower than credit card and personal loan rates due to home collateral. Federal Reserve policy and inflation expectations primarily influence rates. Homeowners' equity stakes rose 142% since 2020, though equity declined in 2025. HELOC balances increased for the 15th consecutive quarter.
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