Home equity line of credit (HELOC) and home equity loan interest rates have been trending downward in 2025, creating valuable borrowing opportunities for homeowners in an otherwise high-rate climate.

Here are the average annual percentage rates today on 30-year, 15-year and 5/1 ARM mortgages: .

Tomo, established in 2020, is an online-only lender with a focus on digital efficiency and purchase loans. We’re impressed with its customizable mortgage rate tool. However, you won’t find home equity ...

If you’re a veteran or active-duty service member, a mortgage guaranteed by the Department of Veterans Affairs (VA) could be your ticket to affordable homeownership. VA loan interest rates are ...

Simplist is an online marketplace of mortgage lenders; human guidance is optional. You’ll make payments to a loan servicer, not to Simplist. Loans are not available in every state. Loan origination ...

We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation. Drazen_ / Getty Images After bobbing about in upper-6% territory, 30-year mortgage ...

Last month, the Federal Reserve lowered its benchmark rate for the first time in 2025, and according to expert forecasts, there's a good chance of more Fed rate cuts later this year. For borrowers, ...

Negotiating with your mortgage lender could lead to a lower rate, but is that an effective path in this market?

Compare mortgage rates the same day and time, match loan programs and lock periods, and factor in lender fees to maximize savings and avoid costly surprises. Getty Images Shopping for mortgage rates ...