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Story summary
- Home equity borrowing rates, including HELOCs, are expected to stay stable as the year begins.
- The Federal Reserve is likely to hold its benchmark rate at 3.50% to 3.75%, which influences HELOCs tied to the prime rate.
- A rate decrease could occur later in January or in 2026, while sizable increases remain unlikely without economic volatility.
- Homeowners should compare loan options, as products and fees can vary significantly among lenders.
