HELOC and Home Equity Loan Rates Saturday, January 17, 2026: Rates inch lower, closer to 7%
National average HELOC and lump sum home equity loan rates have fallen closer to 7%. Second mortgage home equity rates are at their lowest level in years. According to data from Curinos, the average monthly HELOC rate has fallen to 7.25%19 basis points less than a month ago. The national average home equity loan rate…