A 25 basis point cut in the federal funds rate is expected after the December Fed meeting.HELOC rates could fall slightly after the December Fed meeting but may stabilize afterward.Lenders often adjust HELOC rates ahead of expected Fed actions, impacting immediate rate changes.

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US housing starts surge to 13-month high
US single-family housing starts rose 9.7% in March to about 1.03 million units, the highest since February 2025, while overall residential starts increased 10.8% to

