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Home Equity Lines vs. Home Equity Loans. Variable Rate Home Equity Loan provides a low fixed rate and monthly payment for the first year. A fixed rate mortgage; An adjustable rate mortgage. Home Equity Fixed Rate. The majority of home equity loans have fixed rates and payments. Fixed Rate Home Equity Loans. Make the most of your home's equity with a Block Home Equity Loan. More flexibility than a fixed-rate home equity loan. A home equity loan (fixed) rate is usually at least 1.

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