A Fed rate cut this week could further cool the home equity interest rate climate. J Studios/Getty Images

Millions of American borrowers stuck with high-interest-rate offers may have reason to be optimistic this week. The Federal Reserve is poised to cut interest rates again at the conclusion of its meeting tomorrow, its final one of 2025. Currently at a range between 3.75% to 4.00%, another cut on Wednesday would bring that range down to 3.50% to 3.75%. While just a small cut in and of itself, it will mark the third such reduction in the last four months, offering some financial breathing room to borrowers who have otherwise had scarce, affordable options to choose from.

Home equity loans , however, have been one of the more affordable alternatives. Interest rates here are

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