Yahoo! - "2007 home equity rates: anyone's guess" (1-8-07)

"Two events accelerated home equity debt in the early years of this century, and both appear to be fading away. The first thing that got the equity train rolling was when mortgage lenders started pushing piggyback loans to help borrowers avoid paying mortgage insurance. The second impetus was when interest rates on home equity lines of credit plunged and then remained low for years."