Thinking about tapping into your home’s value? HELOCs are back in the spotlight, with rates dropping and making them cheaper than credit cards or personal loans. But here’s the catch: those rates can bounce around, so your monthly payment for a $200K HELOC could land anywhere from $1,937 to $2,450 in 2026. It’s a flexible way to fund big goals, but make sure you’re ready for the payment swings! #RealEstate #HomeEquity #MoneyHacks