The national average second mortgage rate is 7.42% for a fixed home equity loan and 7.28% for a HELOC as of late September 2026, per Curinos and Bankrate. Borrowers with stronger profiles do better, Curinos data reported by Forbes puts a $100,000 HELOC at 60% CLTV at 7.36% APR. The RefiGuide helps you compare the… Read More »
The difference between the first home equity loan quote you receive and the best one available to you routinely exceeds a full percentage point, which is more than the difference between the cheapest and most expensive lender types. This article considers the five things you control that move your rate, and what to do about each… Read More »
Thousands of Colorado homeowners are considering a home equity line of credit for quick cash. The RefiGuide can help you shop for the best Colorado HELOC rates online from trusted banks and CO lenders at no cost with no obligation. The rate environment reversed in September. The Federal Reserve raised its benchmark a quarter point,… Read More »
Getting a home equity line of credit or HELOC continue to be a popular move going into 2026. The RefiGuide offers a high-tech platform for consumers to shop lenders for the best HELOC rates today from competitive banks and lenders online. In 2026, home equity line of credit rates are still very reasonable, and property… Read More »
Florida homeowners hold substantial tappable equity, making a home equity line of credit one of the most cost-effective ways to access cash without disturbing a low-rate first mortgage. And the equity picture keeps improving: Florida’s statewide median for existing single-family homes reached an all-time high of $432,000 in June 2026, up 4.9% year over year,… Read More »
Key Takeaways Home equity rates moved this month, and the Federal Reserve is the reason. The Fed raised its benchmark by a quarter point in September, pushing the prime rate to 7.00% and lifting HELOC pricing with it. Bankrate’s national HELOC average is 7.28% as of September 23, 2026 — up 17 basis points in… Read More »
Texas home equity borrowing works differently than anywhere else in the country, and the rules matter more than the rate. Homeowners across Dallas, Houston, Austin, and San Antonio are tapping equity built over several years of steady appreciation, but Texas caps how much of it they can reach. Texas HELOCs and home equity loans remain… Read More »
Refinancing a house can lower payments, reduce interest rates, shorten loan terms, or access equity. In 2026, economic conditions and personal finances determine if it’s the right move. Let’s explore home refinancing in 2026 covering market trends and consider the pros and cons. The RefiGuide will review the top banks and mortgage lenders to refinance… Read More »
