Home Equity Rates Today: November 12, 2026

ADVERTISING DISCLOSURE Rate effective 11/05/26 · Rate checked 11/12/26 at 10:36 AM ET Advertisement: "Rates as low as 6.050% 6.050 APR* home equity line of credit" or "Rates as low as 6.050% APR* home equity line of credit" The advertised offer is an actual advertised offer posted by a lender in the FreeRateUpdate.com network for a home equity line of credit. This offer is for only the most creditworthy consumers. Not all lenders in our network offer this rate. Assumptions: Advertised rate assumes a FICO score of 780. Line secured by a single-family, owner-occupied home located in Pennsylvania. Line Amount: $100,000.00; Existing Mortgage Balance: $500,000.00; Combined LTV: 65% (Home Value $925,000.00). Offer Detail: Interest Rate: 6.050% Annual Percentage Rate: 6.050% Source-Reported Upfront Costs: $4,990.00. Fee Detail: origination: $4,990.00. The source did not provide a fixed monthly payment or eight-year cost for this offer. Line of Credit Terms: Rate type: the rate on the initial draw is fixed. The full line, less the origination fee, is drawn at closing. Additional draws: after you repay part of the balance you may draw again during the draw period. The rate on a later draw is set on the date of that draw at the Wall Street Journal Prime Rate for the prior calendar month plus a fixed margin, and is fixed for that draw. It may be higher than the rate on the initial draw. The lender does not state a maximum rate for later draws. Origination fee: up to 4.99% of the credit line, depending on the state and your credit profile. Other costs the lender lists: a property valuation of $180 if an automated valuation is not available, or an appraisal of $500 to $2,000 for a line over $400,000; manual notarization of $350 where the county requires it; recording fees of $0 to $315; and recording taxes of $0 to $1,400 per $100,000 borrowed, which vary by state and county. Draw period and repayment term: set by the lender and depend on the loan term you select. The lender's published disclosure does not state them, so ask the lender for them before you apply.

ADVERTISING DISCLOSURE Rate effective 11/12/26 · Rate checked 11/12/26 at 11:17 AM ET Advertisement: "Rates as low as 7.625% 8.322 APR* 10-year fixed home equity loan" or "Rates as low as 8.322% APR* 10-year fixed home equity loan" The advertised offer is an actual advertised offer posted by a lender in the FreeRateUpdate.com network for a 10-year fixed home equity loan. This offer is for only the most creditworthy consumers. Not all lenders in our network offer this rate. This loan has a fully amortizing fixed 10 year term. Assumptions: Advertised rate assumes a FICO score of 750. Loan secured by a single-family, owner-occupied home located in Pennsylvania. Loan Amount: $50,000.00; Existing Mortgage Balance: $500,000.00; Combined LTV: 59% (Home Value $925,000.00). Payment Example: Fixed Interest Rate: 7.625% Annual Percentage Rate: 8.322% Monthly Payment: $596.78/month for 120 monthly payments of principal and interest, plus taxes and insurance. Actual monthly payment may be higher. Source-Reported Upfront Costs: $1,495.00. Fee Detail: Annual fee: $0.00; Application fee: $0.00; Origination fee: $1,495.00; Membership fee: $0.00; Other fees: $0.00; Underwriting fee: $0.00. Source-Reported Eight-Year Cost: $22,030.44.

ADVERTISING DISCLOSURE Rate effective 11/12/26 · Rate checked 11/12/26 at 10:33 AM ET Advertisement: "Rates as low as 6.374% 6.538 APR* 30-year fixed mortgage cash out refinance" or "Rates as low as 6.538% APR* 30-year fixed mortgage cash out refinance" The advertised offer is an actual advertised offer posted by a lender in the FreeRateUpdate.com network for a 30-year fixed mortgage cash out refinance. This offer is for only the most creditworthy consumers. Not all lenders in our network offer this rate. This loan has a fully amortizing fixed 30 year term. There is no prepayment penalty. Assumptions: Advertised rate assumes a FICO score of 750. Loan secured by a single-family, owner-occupied home located in Pennsylvania. Payment Example: Loan Amount: $550,000.00 including $50,000.00 cash out, based on a 59% LTV (Home Value $925,000.00). Fixed Interest Rate: 6.374% Annual Percentage Rate: 6.538% Monthly Payment: $3,430.92/month for 360 monthly payments of principal and interest, plus taxes and insurance. Actual monthly payment will be higher. Points: 1.335 ($7,342.50); Upfront Costs: $9,337.50. Fee Detail: Loan origination fee: $0.00; Processing fee: $945.00; Underwriting fee: $1,050.00; Loan Document Preparation: $0.00; Discount Points: $7,342.50.