{"id":28827,"date":"2025-05-29T20:09:36","date_gmt":"2025-05-29T20:09:36","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/heloc-rates-are-falling-again-heres-what-to-consider-now\/"},"modified":"2025-05-29T20:09:36","modified_gmt":"2025-05-29T20:09:36","slug":"heloc-rates-are-falling-again-heres-what-to-consider-now","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/heloc-rates-are-falling-again-heres-what-to-consider-now\/","title":{"rendered":"HELOC rates are falling again. Here&#8217;s what to consider now."},"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\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/29\/f7dbcb03-1760-479c-887f-05645fe4666a\/thumbnail\/620x390\/6e27fa72a6928388411a88072ab780bc\/gettyimages-2211928296.jpg?v=15603985a4508c8e7bc83d8e4e73c5d0#\" alt=\"gettyimages-2211928296.jpg \" height=\"390\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/29\/f7dbcb03-1760-479c-887f-05645fe4666a\/thumbnail\/620x390\/6e27fa72a6928388411a88072ab780bc\/gettyimages-2211928296.jpg?v=15603985a4508c8e7bc83d8e4e73c5d0 1x, https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/29\/f7dbcb03-1760-479c-887f-05645fe4666a\/thumbnail\/1240x780\/18facb8937e82400c746f199689afee6\/gettyimages-2211928296.jpg?v=15603985a4508c8e7bc83d8e4e73c5d0 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">HELOC interest rates are declining again, new data released this week shows.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>After some minor increases earlier in May, interest rates on <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> reversed course and declined again this week, according to new <a href=\"https:\/\/www.bankrate.com\/home-equity\/heloc-rates-retreat-while-home-equity-loans-rise-may-28-2025\/\" target=\"_blank\" rel=\"nofollow noopener\">Bankrate<\/a> data. Now, at an average rate of 8.14%, rates dropped by six basis points, allowing HELOCs to maintain their position as one of the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-cheapest-way-get-equity-out-of-home-may-2025\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">cheapest ways to borrow money<\/a><\/span> right now. They&#8217;re less expensive than <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>, which remained flat this week at an average rate of 8.24% and materially cheaper than personal loans (over 12% currently) and credit cards (around 21%). And with the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/whats-the-average-home-equity-amount-right-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">average home equity amount<\/a><\/span> around $313,000 right now, there&#8217;s likely plenty of money to utilize while still maintaining a healthy equity buffer in the home.<\/p>\n<p>Still, borrowing from your home equity isn&#8217;t risk-free, and with a HELOC, which has a <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 rate<\/a><\/span>, some volatility should be priced in to avoid surprises. But with rates here low again, many would benefit from using this specific borrowing product. It just helps to know some timely considerations before securing the line of credit. Below, we&#8217;ll detail what to consider right now.<\/p>\n<p><a href=\"https:\/\/www.bankrate.com\/landing\/cbsnews\/best-home-equity-options\/?sub-id=www.cbsnews.com\/news\/heloc-rates-falling-again-what-to-consider-now\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Start by seeing how low a HELOC rate you&#8217;d be eligible for here<\/a>.<\/p>\n<h2><strong>What to consider with HELOC rates falling again<\/strong><\/h2>\n<p>Here are three items to consider with HELOC rates falling back toward 8% again:<\/p>\n<h3><strong>Rates here could rise or fall unexpectedly<\/strong><\/h3>\n<p>Earlier in 2025, it felt like HELOC rates would never stop declining. They hit an <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/heloc-interest-rates-drop-to-18-month-low-should-you-open-one-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">18-month low<\/a><\/span>. Then a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/heloc-rates-hit-a-two-year-low-reasons-to-open-one-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">two-year low<\/a><\/span> and then another, new <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/heloc-rates-fall-to-new-two-year-low-what-to-know\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">two-year low<\/a><\/span>. But that drop stopped in recent weeks and rates here actually rose a bit since. And that&#8217;s something that will impact borrowers even after the HELOC is secured, as variable rates will <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-often-do-heloc-rates-change\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">change monthly<\/a><\/span>, perhaps in an unexpected way.\u00a0<\/p>\n<p>So don&#8217;t let a lower rate lull you into a false sense of complacency. Rates here could continue to fall \u2026 or they could rise again. Be prepared for either. That said, overall, HELOC rates are down by around two full percentage points <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-far-heloc-interest-rates-dropped-last-6-months\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">since September 2024<\/a><\/span>, so the larger trend is still a positive one for borrowers.<\/p>\n<p><a href=\"https:\/\/www.bankrate.com\/landing\/cbsnews\/best-home-equity-options\/?sub-id=www.cbsnews.com\/news\/heloc-rates-falling-again-what-to-consider-now\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Compare HELOC rates and offers here to see which is most affordable<\/a>.<\/p>\n<h3><strong>Long-term affordability will need to be closely calculated<\/strong><\/h3>\n<p>Do you know how much you want to borrow with a HELOC? Because of these recent rate changes and because you&#8217;ll need to make repayments no matter how dramatically the rate changes over time, it&#8217;s important to calculate long-term affordability closely.\u00a0<\/p>\n<p>For example, if you want to borrow with a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-50000-heloc-costs-monthly-in-2025\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">$50,000 HELOC<\/a><\/span>, don&#8217;t just do the math tied to today&#8217;s average rates. Calculate repayments against higher rates in the future and, potentially, lower ones as well. This will give you a better idea of long-term affordability, which is critical when your home is the funding source to avoid the <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=\"\">risk of foreclosure<\/a><\/span>.<\/p>\n<h3><strong>You could refinance into a home equity loan<\/strong><\/h3>\n<p>Want to take advantage of today&#8217;s low HELOC rates but are nervous about your ability to make repayments should rates spike again? Then consider the HELOC now, and keep in mind that you could <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/can-you-refinance-a-home-equity-loan\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">refinance<\/a><\/span> it into a home equity loan (with a fixed interest rate) in the future.\u00a0<\/p>\n<p>Just be sure to clarify with your HELOC lender before getting started, as eligibility criteria and requirements can vary from lender to lender. And understand that that may require you to forego a lower HELOC rate for a slightly higher home equity loan rate. Still, at that point, the exchange may be worthwhile if paying a changing HELOC rate each month becomes too stressful (and expensive).<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>With HELOC interest rates on the decline again, homeowners contemplating the use of this product may be ready to get started. By keeping these three timely considerations in mind, however, they&#8217;ll be able to make a more informed decision, positioning themselves for home equity borrowing success both in today&#8217;s rate climate and, theoretically, over the extended <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 period<\/a><\/span> of a decade or more.<\/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\/heloc-rates-falling-again-what-to-consider-now\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>HELOC interest rates are declining again, new data released this week shows. Getty Images After some minor increases earlier in<\/p>\n","protected":false},"author":1,"featured_media":28828,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-28827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HELOC rates are falling again. Here&#039;s what to consider now. - World News<\/title>\n<meta name=\"description\" content=\"HELOC interest rates are on the decline again. 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