The national average second mortgage rate is 8.08% APR for a fixed home equity loan and 7.43% for a HELOC as of late July 2026, according to Bankrate’s survey of the ten largest banks and thrifts. Borrowers with stronger profiles do better — Curinos puts the fixed rate at 7.36% and the HELOC at 7.23%… 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 as lenders have eased borrowing requirements. 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. Colorado homeowners are choosing the home equity line of… 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 Bankrate’s national average fixed home equity loan rate is 8.08% as of July 15, 2026, with prime anchored at 6.75%. Virginia, California, Florida, Maryland and New Jersey lead RefiGuide’s ranking of the 25 best states for home equity pricing. Credit unions consistently undercut national banks — many waive closing costs, and introductory HELOC… Read More »
The Texas HELOCs and home equity loans have surged in popularity in 2026 with easier credit and and loan to value requirements from Lone Star lenders across the state. The steady property values in the sprawling metros of Dallas, Houston, Austin, and San Antonio, Texas homeowners are riding high on a wave of surging property… Read More »
