Your home's equity can be a robust and affordable source to borrow from now. Getty Images/iStockphoto

At first glance, borrowing from your home equity can sound risky.

Your home serves as collateral, after all, and failure to repay will lead to foreclosure . And this concern becomes more pronounced when borrowing a large, six-figure amount of equity to utilize, like $200,000.

But in the economic climate of October 2025, there are some timely considerations to account for that can help negate these concerns.

For starters, interest rates on home equity lines of credit (HELOCs) are continually falling now. At just 7.84% on average , a HELOC is currently the least expensive way to borrow equity and one of the most affordable ways to borrow money overall. And, based on

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