Home Equity Loan Current Rates Jeffrey Contents – Home Equity Loans – Rates are based on a fixed rate home equity loan for an owner occupied residence, second lien, 10 year or 15 year repayment terms with an 80% loan-to-value ratio for loan amounts of $50,000 or $50,000+. Post navigation ← Buying A New House With Existing MortgageConventional Insurance Definition →