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Story summary
- Homeowners will see home-equity loan rates rise this summer as the Federal Reserve (Fed) keeps the federal funds rate paused since late 2025.
- Jeff DerGurahian of loanDepot predicts rates could rise if inflation stays at 4.2% and the Iran war continues.
- Kenisha Forbes of Georgia's Own Credit Union advises using a 7% home-equity loan—far below typical credit-card rates above 24%—and recommends locking a fixed-rate loan through summer 2026.
