Right now, American homeowners are sitting on a record $11.5 trillion in tappable equity.  That’s equity you could access without selling your home while keeping at least a 20% cushion in place. And, with interest rates on home equity lines of credit (HELOCs) falling, this may be the most affordable time in years to tap into your home’s value. But does it make sense to borrow now, or should you wait? Let’s break down the […]