home equity line of credit interest rate

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Average Home Equity Rates Over Time. As interest rates continue to rise, the interest rates on home equity loans have generally followed in lockstep with standard fixed-rate mortgage loans, factoring in an added spread due to the increased credit risk that lenders take with home equity products.

Your home equity – the value of your home less any other debt. First, review your HELOC paperwork and look for the interest rate the lender.