A Real Estate & Equity Line ( HELOC ) Warning. Many people are asking will heloc rates go up in 2022, how heloc works or are heloc rates fixed. What they should ask is can heloc be frozen and can you use a heloc for investment property. The Real estate market is crashing as more properties hit the market and home inventory levels rise properties will start to come down in price. Have you seen Reventure Consulting? Good Housing information on home prices dropping.