Thinking about tapping into your home’s value? HELOC rates just dropped again, making it cheaper to borrow against your house. If you snag a $50,000 HELOC now, your monthly payment could be $20 less than last year—think of it as a couple of extra takeout dinners. But remember, your house is on the line, so make sure those payments fit your budget before you splurge! #RealEstate #HomeEquity #MoneyHacks