Today’s Indicator Rates
Use these as indicators to sanity-check the quotes you’re getting. Be smart with your money, not scared of it.
- HEL (Fixed Home Equity Loan): 8.75-9.25
- HELOC (Line of Credit): 8.5% + 0-1%
- Conventional 30-Year Fixed: 6.25% -6.5%
- Conventional 15-Year Fixed: 5.625%-6%
Last updated: 10/07/2025
Important Notes
- Most HELOC and many HEL rates track the Prime Rate (Current Prime 8.5%).
- All rates depend on your credit score, LTV, loan amount, property type, state, points, and lock period.
How to Use This Page
- Get a written quote from a lender.
- Compare it to the indicators above.
- If it’s far off, ask why (score tier, LTV, points, fees, lock).
Disclosures
Smart With Debt is not a lender, not a broker, and not a referral site. The information on this page is for education only and not a rate quote or commitment to lend. Variable products like HELOCs are tied to Prime and can change. Verify all terms with your lender.
Contact us with any questions you might have at info@smartwithdebt.com.