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The HELOC rate today, July 7, 2025: The home equity line of credit rate stands firm

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Summary
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73% Informative

Homeowners have a huge amount of value tied up in their houses — more than $34 trillion at the end of 2024 .

With mortgage rates lingering in the high 6% range, homeowners are not likely to let go of their primary mortgage.

Accessing some of the value locked into your house with a use-it-as-you-need-it HELOC can be an excellent alternative.

That's for a HELOC with a 10-year draw period and a 20-year repayment period. That sounds good, but remember, it winds up being a 30-year loan. HELOCs are best if you borrow and pay back the balance in a much shorter period of time..

VR Score

72

Informative language

70

Neutral language

40

Article tone

informal

Language

English

Language complexity

30

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not offensive

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Time-value

long-living

Source diversity

1

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