Episode Details

Homeowners with strong credit and low debt can capitalize on historically low second mortgage rates, with HELOCs averaging 7.2% and home equity loans at 7.47%. These rates, based on March 27, 2026 data, are the lowest in three years. Lenders add a margin to the prime rate (6.75%), keeping these rates stable. Shop around for the best deals, as rates can vary significantly. Introductory offers, like FourLeaf Credit Unions 5.99% rate for the first year, add to the appeal. With rates this low, now may be the ideal time for qualified homeowners to compare offers and secure a second mortgage.

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