Less than 10%. That's what a $30,000 home equity loan would be equivalent to now, when borrowed from the average homeowner's ...

While you've been focused on everything else life throws at you, your property has been working behind the scenes. Most people build equity as they pay down their mortgage and property values rise.

With HELOC interest rates already under 8%, this could be the smart way for homeowners to borrow now. Here's why.