More than three-quarters of current homeowners have mortgages rates under 6%. Unwilling to give up that low rate, they can’t access their home equity without a home equity line of credit or home equity loan. Lucky for them, second mortgage interest rates are the lowest in three years. See today’s rates below. HELOC and home equity loan rates Tuesday, April 14, 2026 According to real estate analytics firm Curinos, the average adjustable rate HELOC is 7.24%, up four basis points from one month ago. The 5 ...