Hand photographing house apartment kitchen island room for sale or rent with phone smartphone closeup point of view in modern luxury condo home with blurry bokeh background Source: AdobeStock

With rising mortgage rates and a tight economy, homeowners in need of cash are turning to home equity lines of credit (HELOCs). And, thanks to rising home values over the last decade, homeowners are sitting on more equity than ever that they can use for remodeling, debt consolidation or just a rainy-day fund.

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