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  "path": "/real-estate/mortgages/heloc-strategy-borrow-smart",
  "publishedAt": "2026-03-21T10:50:00.000Z",
  "site": "https://www.kiplinger.com",
  "tags": [
    "Mortgages",
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  "textContent": "New lender rules and shifting rates are changing how HELOCs work. Here’s how to compare options, avoid costly terms and borrow only what you need.",
  "title": "HELOC Rules Are Changing: How to Get the Best Deal in 2026"
}