RATES
HELOC avg 7.30%Home-equity loan 8.13%Reverse (HECM) expected rate 7.68%Cash-out refi 6.93%10-yr Treasury 4.73%
The Equity Ledger
Grounded math · Plain English · Independent

EDITORIAL COVERAGE

Deep Market Analysis

Grounded, plain-English analysis of tapping home equity in retirement — reverse mortgages, HELOCs, home-equity loans, and downsizing. The math, the real trade-offs, and the costs the sales channel underplays.

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EDITORIAL PROCESS

Every post is grounded in primary sources (HUD/FHA HECM program rules, CFPB and FTC guidance, Freddie Mac rate data, IRS publications), numerically checked, and reviewed against those sources before publication. Read our methodology.