Rates for home equity lines of credit and home equity loans are near 52-week lows. If you have a low-rate mortgage and a refinance is just not feasible with today's rates, a second mortgage HELOC or HEL could be an excellent way to access your home's value. HELOC and home equity loan rates Tuesday, February 17, 2026 According to real estate analytics firm Curinos, the average monthly HELOC rate has fallen to 7.23%. The 52-week HELOC low was 7.19% in mid January. The national average rate on a home equit ...