HELOC and home equity loan rates are clinging near one-year lows. Use our national average second mortgage rates to shop lenders for your best HELOC or HEL offer. HELOC and home equity loan rates: Saturday, February 14, 2026 The average HELOC rate is 7.23%, according to real estate data firm Curinos. The 52-week HELOC low was 7.19%. The national average rate on a home equity loan is 7.44%. The low over the last 12 months was 7.38% in early December 2025. Rates are based on applicants with a minimum cred ...

Rates for second mortgages, such as home equity loans and lines of credit, are as low as they've been in years. HELOC introductory rates, the "teaser" rates that are well below market, are also surprisingly low. One Baltimore-area credit union, APGFCU, is offering a 1.99% APR intro rate for one year. HELOC and home equity loan rates: Friday, February 13, 2026 According to real estate analytics firm Curinos, the average HELOC rate is 7.23%, down two basis points from one month ago. The national average ra ...

Slight gains for home equity rates in the latest week. The $30,000 home equity line of credit rose one basis point to 7.32%, according to Bankrate’s national survey of lenders. Meanwhile, the five-year $30,000 home equity loan gained two basis points to 7.92%. Even with this week’s rise, home equity rates are holding close to three-year lows. For homeowners with low mortgage rates, HELOCs can be an attractive option, especially for those considering debt consolidation, says Joshua Smith, head of the metro ...

Core Insights - Interest rates for home equity lines of credit (HELOCs) and home equity loans are currently near one-year lows, with potential for lower rates through lender comparison [1][2] - The average HELOC rate is 7.23%, while the average home equity loan rate is 7.44%, with both rates influenced by credit scores and loan-to-value ratios [2][11] - Homeowners with low primary mortgage rates may find HELOCs or home equity loans beneficial for accessing home equity without losing their favorable mortgage rates [3][12] Interest Rate Details - The 52-week low for HELOCs is 7.19%, and the low for home equity loans was 7.38% in early December 2025 [2] - The prime rate, which influences second mortgage rates, has recently fallen to 6.75%, affecting the pricing of HELOCs and home equity loans [5] - Lenders have flexibility in pricing second mortgage products, making it advantageous for borrowers to shop around for the best rates [6] Loan Characteristics - HELOCs typically have variable interest rates and may include introductory rates that last for a limited time, while home equity loans usually offer fixed rates [6][7] - The best HELOC lenders provide low fees, fixed-rate options, and generous credit lines, allowing homeowners to utilize their equity flexibly [8] - Home equity loans provide a lump sum with a fixed interest rate, simplifying repayment terms for borrowers [10] Market Context - The Federal Reserve estimates that homeowners have approximately $34 trillion in equity available, indicating a significant opportunity for accessing home equity through HELOCs and home equity loans [4] - Current market conditions suggest that it may be an opportune time for homeowners with substantial equity and low primary mortgage rates to consider these financial products for home improvements or other expenses [12]

Core Insights - HELOC and home equity loan rates have decreased, with the average HELOC rate at 7.23% and home equity loan rate at 7.44% [2][11] - Homeowners have approximately $34 trillion in equity, but many are unable to access this value due to high primary mortgage rates [3] - Shopping around for lenders is essential as rates can vary significantly based on creditworthiness and loan terms [5][11] Group 1: Current Rates - The average HELOC rate is currently 7.23%, down two basis points from the previous month, while the home equity loan rate is 7.44%, down 12 basis points [2] - The 52-week low for HELOC was 7.19%, and the low for home equity loans was 7.38% in early December 2025 [2] - Rates are based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio of less than 70% [2] Group 2: Market Dynamics - The Federal Reserve estimates homeowners have $34 trillion in equity, but many are frustrated by the inability to access this value due to high primary mortgage rates [3] - Second mortgage rates, including HELOCs and home equity loans, are based on an index rate plus a margin, with the prime rate currently at 6.75% [4] - Lenders have flexibility in pricing second mortgage products, making it important for borrowers to compare options [5] Group 3: Loan Features - HELOCs allow homeowners to draw from their equity as needed, with the ability to pay back and borrow again, while home equity loans provide a lump sum with fixed rates [7][9] - Introductory rates for HELOCs can be significantly lower than market rates, but they typically convert to variable rates after an initial period [8] - The best home equity loan lenders may be easier to find due to the fixed rate structure, which simplifies the borrowing process [9] Group 4: Borrowing Considerations - For homeowners with low primary mortgage rates and significant equity, now may be an optimal time to obtain a HELOC or home equity loan [12] - Monthly payments on a $50,000 HELOC at a 7.50% interest rate would be approximately $313 during the draw period, but rates are variable and can increase [13]

Core Insights - National average rates for second mortgage products, including home equity loans and lines of credit, are near one-year lows, with well-qualified borrowers encouraged to shop for the best rates [1] Interest Rates Overview - The average HELOC rate is currently 7.23%, down two basis points from the previous month, while the national average for home equity loans is 7.44%, down 12 basis points [2] - The 52-week low for HELOCs was 7.19%, and for home equity loans, it was 7.38% in early December 2025 [2] Home Equity Value - Homeowners have approximately $34 trillion in home equity as of Q3 2025, making it unlikely for them to sell their homes or refinance at higher mortgage rates [3] - Accessing home equity through HELOCs or home equity loans is presented as a viable alternative for homeowners [3] Rate Determination - Home equity interest rates are calculated based on an index rate plus a margin, often using the prime rate of 6.75% as a benchmark [4] - Lenders have flexibility in pricing second mortgage products, with rates influenced by credit scores and debt levels [5] Lender Offers - FourLeaf Credit Union is currently offering a HELOC APR of 5.99% for the first 12 months on lines up to $500,000, which will convert to a variable rate thereafter [6] - The best home equity loan lenders may be easier to identify due to fixed rates lasting the entire repayment period [7] Current Market Conditions - Interest rates for HELOCs and home equity loans are expected to remain steady through the first half of 2026, making it a favorable time for obtaining a second mortgage [9] - The national average for HELOCs is 7.23%, while home equity loans average 7.44%, with rates varying significantly based on borrower creditworthiness [8] Payment Structure - For a $50,000 home equity line of credit at a 7.50% interest rate, the monthly payment during the 10-year draw period would be approximately $313, with the understanding that rates are typically variable [10]

Core Insights - Home equity borrowing costs have decreased significantly, with the $30,000 home equity line of credit dropping to 7.31%, a reduction of 13 basis points, and the five-year home equity loan decreasing to 7.90%, down two basis points [1][2]. Group 1: Current Rates - The current average rates for home equity products are as follows: HELOC at 7.31%, five-year home equity loan at 7.90%, ten-year home equity loan at 8.08%, and fifteen-year home equity loan at 8.07% [2][4]. - Compared to four weeks ago, HELOC rates have decreased from 8.22% to 7.31%, and the five-year home equity loan has slightly decreased from 7.97% to 7.90% [2][4]. Group 2: Influencing Factors - Home equity rates are primarily influenced by Federal Reserve policy and long-term inflation expectations, with the Fed maintaining interest rates at its January meeting while monitoring inflation and the job market [3][4]. - Forecasts suggest that the Fed may implement three quarter-point cuts in 2026, indicating a potential easing of monetary policy [3]. Group 3: Comparison with Other Credit Types - Home equity products are generally less expensive than unsecured credit options, with HELOCs at 7.31% and home equity loans at 7.90%, compared to credit cards at 19.61% and personal loans at 12.27% [5]. - The rates for home equity loans are more favorable due to the collateralization of the home, which reduces the risk for lenders [4][5]. Group 4: Borrower Considerations - Borrowers are advised to consider their financial situation and goals when deciding between a HELOC and a home equity loan, and to consult with a loan officer for tailored advice [2][6]. - Key questions for borrowers include the amount of money needed, the frequency of withdrawals, and comfort with potential interest rate fluctuations [6].

We came across a bullish thesis on Figure Technology Solutions, Inc. on Valueinvestorsclub.com by raf698. In this article, we will summarize the bulls’ thesis on FIGR. Figure Technology Solutions, Inc.'s share was trading at $52.31 as of February 2nd. FIGR’s trailing P/E was 228.86 according to Yahoo Finance. Rawpixel.com/Shutterstock.com Figure Technology Solutions, Inc., a financial technology company, provides blockchain-based products and solutions in the United States. FIGR represents a highly inno ...

Group 1: Economic and Market Conditions - The partial U.S. Government shutdown is negatively impacting economic activity and lending, with companies like Newrez reporting on its effects [1] - Mortgage rates are primarily driven by market conditions rather than political factors, emphasizing the importance of monitoring the bond market [9] - The Fed's Senior Loan Officer Survey indicates tighter standards for commercial lending, with mixed demand trends expected to persist through 2026 [17] Group 2: Company Innovations and Offerings - ICE Servicing Digital simplifies the home equity loan application process, allowing servicers to enhance customer relationships and recapture business [2] - Land Gorilla's integration with Encompass® automates the transition from loan origination to draw management, improving efficiency in construction loan administration [3] - Better Wholesale offers competitive HELOC products with low rates and no origination fees, targeting price-sensitive clients and self-employed borrowers [4] Group 3: Investment Opportunities and Trends - Uplist Recapture™ has identified over $8.5 billion in refinance opportunities in the past 30 days, helping loan officers capitalize on dormant databases [4] - Figure is expanding HELOC eligibility to include LLC-held properties, catering to a growing segment of real estate investors who accounted for 34% of home purchases in Q3 2025 [5] - Smaller lenders are leveraging Total Expert Customer Intelligence to enhance borrower engagement and drive additional funded loans [7] Group 4: Industry Challenges and Responses - PennyMac Financial Services Inc. reported profits significantly below expectations, leading to a 33% drop in its stock price and affecting the outlook for other lenders [14][15] - The mortgage industry is facing increased competition, which is tightening margins and complicating recapture efforts for lenders [15] - The U.S. MBS market started 2026 strongly, with a 52 basis point excess return in January, supported by stable conditions and low volatility [19]

Core Insights - The average rates for home equity lines of credit (HELOC) and home equity loans are currently below 8%, with some introductory offers significantly lower [1][10] - The average HELOC rate is reported at 7.25% and the average home equity loan rate at 7.56%, based on specific credit criteria [2][10] - Homeowners are sitting on approximately $34 trillion in home equity, which presents opportunities for second mortgages like HELOCs or home equity loans [4] Interest Rates and Terms - HELOC rates are typically based on an index rate plus a margin, with the current prime rate at 6.75%, leading to potential HELOC rates around 7.50% [5] - Home equity loans generally have fixed rates, making them less likely to feature introductory rates compared to HELOCs [7] - Lenders offer varying rates and terms, emphasizing the importance of shopping around for the best deal [6][9] Benefits and Usage - HELOCs provide flexibility, allowing homeowners to draw funds as needed, while home equity loans offer a lump sum [3] - Homeowners with low primary mortgage rates can benefit from accessing their home equity without refinancing their primary mortgage [11] - The cash drawn from home equity can be utilized for various purposes, including home improvements and repairs [11] Lender Offers - Some lenders, like FourLeaf Credit Union, are offering competitive HELOC rates, such as 5.99% for the first 12 months on lines up to $500,000 [8] - The best home equity loan lenders are easier to identify due to the fixed rate structure, which simplifies the repayment process [9]