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

Learn how to get the best rate on a home equity loan Written By Written by Staff Senior Editor, Buy Side Miranda Marquit is a staff senior personal finance editor for Buy Side. Edited By Written by ...

A home equity loan is usually a fixed-rate lump sum based on the value available in your home. Home equity lines of credit (Helocs) are revolving lines of credit based on your available equity and ...

Homeowners received some welcome news this week via falling home equity borrowing rates, which dropped to their lowest point since 2023. According to Bankrate's national survey of lenders, the average ...

Homeowners spent much of 2025 watching borrowing costs finally ease after two years of elevated rates, and by the end of the year, home equity loan interest rates had followed mortgage rates lower as ...

The Federal Reserve just did something it hadn’t yet done in 2025: It lowered its benchmark overnight lending rate. While the markets largely expected September’s quarter-point rate cut, it does mark ...

Minimal movement in home equity rates in the latest week. The benchmark 5-year $30,000 home equity loan edged down two basis points to 8.13 percent, marking the second week at its lowest level in two ...

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Note: The home equity rates in this survey assume a line or loan amount of $30,000. What’s driving home equity rates today? Both HELOC and home equity loan rates have declined substantially from their ...

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

Miranda Marquit is a staff senior personal finance editor for Buy Side. Staff Personal Finance Editor, Buy Side Valerie Morris is a staff editor at Buy Side and a personal finance expert. A home ...