Thinking about tapping into your home’s value for a big expense? Thanks to the December Fed rate cut, borrowing $50K is a bit cheaper now. Right now, a HELOC (home equity line of credit) edges out a home equity loan by about $10 a month. But here’s the catch: HELOC rates can change, so today’s deal might not last. If you like predictable payments, a home equity loan’s fixed rate might be your jam. Always compare and pick what fits your budget style! #RealEstate #FedRateCut #HomeEquity