Home equity loans and home equity lines of credit (HELOCs) allow homeowners to tap into the value of their homes.  A home ...

Lower interest rates: Often, Helocs have lower interest rates than home equity loans or personal loans. They have lower ...

With a fixed-rate HELOC, you have the option to fix the rate on some or all your balance during the loan's term. There may be limits on how many times you can fix your rate or how many fixes can be ...

If you’re a homeowner in need of cash, tapping into your home equity is a common solution. Most people are familiar with home equity loans and home equity lines of credit (HELOCs)—but there’s a lesser ...

Do you need a home appraisal to qualify for a HELOC or home equity loan? While you’ve been focused on everything else life throws at you, your property has been working behind the scenes. Most people ...

Today's high-rate environment and the rising cost of living are leaving many borrowers in a tough spot. Interest rates on credit cards are still sitting near record highs in mid-2025, after all, and ...

Some homeowners use a home equity line of credit (HELOC) to pay off their mortgage in hopes of lowering their interest rate or monthly payments. It’s a strategy that can work, but it’s not without ...

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. The average HELOC rate declined from 8.27% to 8.26% while the median ...

As of Jan. 7, 2026, the average home equity loan rate is 7.97%, according to Bankrate’s regular survey of rates. The average ...

With home prices climbing steadily over the last few years, today's homeowners are sitting on record-high levels of tappable ...