William Z. Nakamura

When Will Heloc Rates Go Down In 2025. The average rate for home equity lines of credit hit 9.55%, to hold steady. That means new heloc will see the impact immediately, and borrowers who already have.

The federal reserve is expected to cut interest rates several times in 2025, which could lead to a change in helocs’ benchmark rates and. When the fed cuts the federal funds rate, the prime rate goes down, and so do heloc rates.