HELOC choice: 6.64% fixed 10yr vs. 6% adjustable 20 yr?

Budgeting

I have a choice to make here for some home improvements.

Heloc or HE Loan for 60k for small-ish imorovements?

I plan to pay anything off pretty quickly (couple of months max) and just have this for some emergencies (roof repairs, things like that).

I have a ton of equity (150k/950k) and am a high earner, so it seems like I can’t lose here.

I’m thinking the fixed rate is the more cautious route to go.

Posted Jul 10, 2026, 5:49 PM UTC

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