More than two full percentage points. That's how far the average interest rate on a home equity line of credit (HELOC) has fallen in just the last 18 months . And with the potential for additional interest rate reductions later this spring and summer substantial at this point in 2026, it could fall further later in the year. That's because a HELOC has a variable rate that changes monthly based on market conditions. That rate structure could be dangerous in a climate in which rates are