{"id":249,"date":"2025-01-22T21:43:25","date_gmt":"2025-01-22T21:43:25","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/helocs-vs-home-equity-loans-which-is-safer-for-2025\/"},"modified":"2025-01-22T21:43:25","modified_gmt":"2025-01-22T21:43:25","slug":"helocs-vs-home-equity-loans-which-is-safer-for-2025","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/helocs-vs-home-equity-loans-which-is-safer-for-2025\/","title":{"rendered":"HELOCs vs. home equity loans: Which is safer for 2025?"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\"><span class=\"img embed__content\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/01\/22\/9d6d0590-b913-407c-a76b-82cbac3453ad\/thumbnail\/620x465\/213aad271458ebd10a2b19ecec8234e1\/gettyimages-576710128.jpg?v=e306e7b9fefc168c00baa623d76d1eaf#\" alt=\"Real estate money house mortgage concept \" height=\"465\" width=\"620\" class=\" lazyload\" data-srcset=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/01\/22\/9d6d0590-b913-407c-a76b-82cbac3453ad\/thumbnail\/620x465\/213aad271458ebd10a2b19ecec8234e1\/gettyimages-576710128.jpg?v=e306e7b9fefc168c00baa623d76d1eaf 1x, https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/01\/22\/9d6d0590-b913-407c-a76b-82cbac3453ad\/thumbnail\/1240x930\/ff537542ac5fa814fee354ee288ee55c\/gettyimages-576710128.jpg?v=e306e7b9fefc168c00baa623d76d1eaf 2x\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%20620%20465'%2F%3E\"\/><\/span><figcaption class=\"embed__caption-container\"><span class=\"embed__caption\">HELOCs and home equity loans should be carefully compared to determine which is safer for your unique financial situation.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Getty Images\/iStockphoto<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>Both <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity loans<\/a><\/span> and <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-heloc\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">home equity lines of credit (HELOCs)<\/a><\/span> are effective tools for homeowners looking to borrow a large sum of money. In today&#8217;s unique economic climate, they&#8217;re also one of the less expensive alternatives, with interest rates on both substantially lower than what&#8217;s currently available with <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/credit-card-interest-rates-surging-how-to-lower-yours-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">credit cards<\/a><\/span> and personal loans. Plus, with the average homeowner in possession of around <a href=\"https:\/\/mortgagetech.ice.com\/resources\/data-reports\/november-2024-mortgage-monitor\" target=\"_blank\" rel=\"nofollow noopener\">$320,000 worth of equity<\/a>, there&#8217;s plenty of potential funding to utilize for a wide range of needs.<\/p>\n<p>That all noted, HELOCs and home equity loans work in different ways and borrowers should understand the nuances of both before acting. If they&#8217;re unable to repay all of the money withdrawn, they could potentially <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/can-you-lose-your-home-with-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">see their home foreclosed on by the lender<\/a><\/span>. To avoid this situation, then, homeowners should take some preemptive steps. And that means understanding when each product could be the safer option this year. Below, we&#8217;ll detail what prospective borrowers should consider now.<\/p>\n<p><a href=\"https:\/\/clicks.trx-hub.com\/xid\/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fwww.bankrate.com%2Flanding%2Fcbsnews%2Fbest-home-equity-options%2F%3Fsub-id%3Dwww.cbsnews.com%2Fnews%2Fhelocs-vs-home-equity-loans-which-is-safer-for-2025&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fhelocs-vs-home-equity-loans-which-is-safer-for-2025%2F&amp;event_type=click&amp;article_id=8b942953-e9c8-4ce9-971a-3873120fff3b\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how much equity you&#8217;d be eligible to borrow here<\/a>.<\/p>\n<h2><strong>HELOCs vs. home equity loans: Which is safer for 2025?<\/strong><\/h2>\n<p>The interpretation of which home equity borrowing product is &#8220;safer,&#8221; particularly in the economy of 2025, is relative to the borrower. Here, then, is when either could be the more secure option:<\/p>\n<h2><strong>Why a HELOC could be safer in 2025<\/strong><\/h2>\n<p>If you think <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/federal-reserve-fed-meeting-interest-rate-cut-decision-december-2024\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">interest rates will continue their downward trend<\/a><\/span> in 2025 and want to be best positioned to save as much as possible, then a HELOC could be safer for your circumstances this year. That&#8217;s because these products have <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-to-decide-fixed-or-variable-rate-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">variable interest rates<\/a><\/span> subject to change each month. If the rate climate continues to cool, so will your HELOC rate and, thus, your repayment. And this will happen automatically, saving you in <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-does-it-cost-to-refinance-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">refinancing closing costs<\/a><\/span> that you otherwise would have had to pay to refinance a home equity loan to the new, lower rate.\u00a0<\/p>\n<p>Still, variable rates on borrowing products are inherently risky and, many would say, are unsafe for all but a few select borrowers. So you&#8217;ll need to carefully consider this option and calculate your repayments against a variety of potential interest rates to truly determine its security.<\/p>\n<p><a href=\"https:\/\/clicks.trx-hub.com\/xid\/cbsint_a10ef_cbsnews?q=https%3A%2F%2Fwww.bankrate.com%2Flanding%2Fcbsnews%2Fbest-home-equity-options%2F%3Fsub-id%3Dwww.cbsnews.com%2Fnews%2Fhelocs-vs-home-equity-loans-which-is-safer-for-2025&amp;p=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fhelocs-vs-home-equity-loans-which-is-safer-for-2025%2F&amp;event_type=click&amp;article_id=8b942953-e9c8-4ce9-971a-3873120fff3b\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Learn more about your HELOC options online today<\/a>.<\/p>\n<h2><strong>Why a home equity loan could be safer in 2025<\/strong><\/h2>\n<p>Traditionally, many experts would argue that a home equity loan is safer than a HELOC. And that feeling hasn&#8217;t been upended quite yet, even if today&#8217;s economy marked by rising inflation and uneven interest rate cuts, can make it feel that way. Home equity loans, after all, come with fixed interest rates, allowing for predictability and simple budgeting. This makes them safer for borrowers who may not be able to afford the changes in rates and repayments they&#8217;d endure with HELOCs. And with interest rate cuts on pause right now anyway, the marginal difference between an\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/todays-home-equity-loan-heloc-interest-rates\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">8.40% home equity loan rate and an 8.28% HELOC rate<\/a><\/span> may be negligible for those who prefer the security of a fixed-rate product.\u00a0<\/p>\n<p>That said, if rates start moving downward again later this year, the difference between the two could become stark and the refinance closing costs (typically 1% to 5% of the total loan amount) may negate some of the safety borrowers appreciated earlier in the borrowing process.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>The question of whether a HELOC or home equity loan is safer in 2025 is a subjective one, with different borrowers having legitimately different answers. It&#8217;s critical, then, to explore both options carefully to determine which is most appropriate for your financial situation. Since <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/heloc-draw-repayment-periods-what-to-know\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">repayment terms<\/a><\/span> on both tend to fall between 10 to 15 years \u2013 and because your home is collateral with either \u2013 homeowners will need to determine what&#8217;s safe both in 2025 and, potentially, for years to come.<\/p>\n<p>    <!-- tags --><\/p>\n<div class=\"content-author\">\n      <a href=\"https:\/\/www.cbsnews.com\/team\/matt-richardson\/\" class=\"content-author__name\" data-invalid-url-rewritten-http=\"\">Matt Richardson<\/a><\/p>\n<div class=\"content-author__bio\">\n<div class=\"content-author__full-information\">\n<p class=\"content-author__text\">Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/helocs-vs-home-equity-loans-which-is-safer-for-2025\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>HELOCs and home equity loans should be carefully compared to determine which is safer for your unique financial situation. Getty<\/p>\n","protected":false},"author":1,"featured_media":250,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-249","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HELOCs vs. home equity loans: Which is safer for 2025? - World News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/site.itshrt.com\/worldnews\/helocs-vs-home-equity-loans-which-is-safer-for-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HELOCs vs. home equity loans: Which is safer for 2025? - World News\" \/>\n<meta property=\"og:description\" content=\"HELOCs and home equity loans should be carefully compared to determine which is safer for your unique financial situation. 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