If you’ve got a home equity line of credit (HELOC), keep an eye on those Fed rate cuts—they could mean extra cash in your pocket. Unlike fixed mortgages, HELOC rates can drop when the Fed lowers rates, so your monthly payment might shrink. But don’t expect instant savings: some lenders take a billing cycle or two to adjust. Pro tip: keep paying the same amount even if your bill goes down—your future self will thank you! #RealEstate #HELOC #interestrates