Home equity borrowing doesn't need to break the bank this October now that interest rates are falling again. PHIL LEO/PM Images/Getty Images

The interest rate climate is changing again, and with it, new considerations are arising for homeowners in need of extra financial support. While it's still relatively expensive to borrow money with a credit card or personal loan, there are numerous ways in which owners can affordably leverage their home's equity to their benefit. And there's a lot of equity to potentially utilize, too.

Home equity levels in the United States reached a record $17.8 trillion heading into the third quarter of 2025, a summer report revealed. With the average homeowner in possession of more than $300,000 worth of equity , this could be one of the more robust

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