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Home equity loans can either be a fixed rate mortgage or an adjustable rate mortgage. Which is better: a 10-year line of credit at a variable rate, a 20-year fixed- rate home equity loan or a cash-out refinance? A home equity loan can be obtained in a lump sum or used as a revolving home equity line of credit. Home Equity Lines vs. Home Equity Loans. National Mortgage Rates National rates shown are for a 30 Year Fixed Rate Loan. A home equity loan (fixed) rate is usually at least 1. Home Equity Fixed Rate. Fixed rate or adjustable rate mortgage? Fixed Rate Home Equity Loans. More flexibility than a fixed-rate home equity loan. 123 Loan offers mortgages, home loans, refinance and home equity loans.

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