Thinking about tapping into your home’s value for a big project or debt payoff? With rates likely dropping after September, a HELOC (home equity line of credit) could be the cheaper move over a fixed home equity loan. Why? HELOCs have rates that adjust with the market, so if rates fall, your payments could too. But if you like predictable bills, a fixed loan might feel safer. Either way, shop around and see what fits your budget best! #RealEstate #HomeEquity #MoneyHacks