Banks are pitching home-equity lines of credit as a cheaper form of borrowing as Federal Reserve rate cuts could lower HELOC rates to the mid-6% range, according to one estimate.

The average rate on 30-year fixed home loans from Freddie Mac edged down again to 6.81% for the week ending June 18.

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If you feel like most of the calls you’re getting at the moment are from “The Visa MasterCard fraud department” or you’re getting bombarded by texts from Clive Palmer’s lackeys, then your data has ...