HELOC rates could fall in 2026 if the Fed rate-cutting trend continues, but there are other possibilities, too.

Learn how an equity line of credit works, its benefits, and risks. Discover the application process and qualifications to secure an equity line of credit.

Understand how a Heloc allows you to borrow against your home’s equity, its benefits and risks and how it compares to other financing options

Find out how affordable your home equity borrowing options are now.

American families collectively have a jaw-dropping $35.8 trillion in home equity as of mid-2025, according to the Federal Reserve (1). Unfortunately, much of that immense wealth is relatively illiquid and difficult to access.

With Americans collectively sitting on record-high $11.6 trillion in tappable home equity as of August 2025, which explains why so many are turning to home equity lines of credit (HELOCs) to access those funds. More than 13 million homeowners have opened a ...

How does a home equity loan work? First, it’s important to understand that the term home equity loan is simply a catchall for the different ways the equity in your home can be used to access cash. The most common types of home equity loans are fixed-rate ...

Banks are pitching home-equity lines of credit as a cheaper form of borrowing as Federal Reserve rate cuts could lower HELOC rates to the mid-6% range, according to one estimate An increasing number of homeowners are tapping the equity in their homes for ...