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Home Equity Loan Costs Drop Amid Cooling Rates

1/12/2026

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Summary

Story summary

As of January 12, 2026, home equity loan costs have decreased in a cooling interest rate environment.
For a $25,000 loan, monthly payments range from $240 to $305.
With record-high home equity, borrowing $25,000 remains manageable for borrowers who maintain a 20% equity threshold.
Borrowers should carefully evaluate their options and repayment costs before proceeding.

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Story summary

As of January 12, 2026, home equity loan costs have decreased in a cooling interest rate environment.
For a $25,000 loan, monthly payments range from $240 to $305.
With record-high home equity, borrowing $25,000 remains manageable for borrowers who maintain a 20% equity threshold.
Borrowers should carefully evaluate their options and repayment costs before proceeding.