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

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

Refinancing your home equity loan can cut thousands in interest — especially if you're stuck with rates from 2023's spike.

Home equity loan interest rates declined in 2025. Here's what can be considered to be a "good" loan rate in 2026.

Home equity loans and home equity lines of credit (HELOCs) have lower interest rates than credit cards. That can lead some homeowners to use them to pay down large credit card bills. But this method ...

Lars Peterson joined Investopedia in 2023 as a senior editor of financial product reviews with a focus on personal loans, credit cards, mortgages, and other financial products and services. Lars has ...

Note: The sample rates included in the reviews are accurate as of December 31, 2025 and are subject to change at any time. What do you do if you want to tap your equity without losing your low rate?

How does a home equity loan work? First, it’s important to understand that the term home equity loan is simply a catchall for the different ways the equity in your home can be used to access cash. The ...

Unexpected expenses rarely arrive at a convenient time. The car won’t start right before payday. A medical bill lands in the mailbox when the budget already feels tight. A burst geyser demands ...