Mortgage and Home Equity Loan Interest Rates as of February 20, 2026

In Brief

Current mortgage, refinance, HELOC, and home equity loan rates updated for February 20, 2026.

Key Facts

• Mortgage interest rates for home purchases and refinancing are updated as of February 20, 2026
• Home equity lines of credit (HELOCs) offer variable interest rates for borrowing against home equity
• Home equity loan interest rates provide fixed-rate borrowing options for homeowners
• Rates for mortgages and refinancing can influence decisions for new homebuyers and current homeowners
• HELOC and home equity loan rates provide affordable borrowing options for homeowners

What Happened

On February 20, 2026, updated interest rates for mortgages, mortgage refinancing, HELOCs, and home equity loans were published. These rates provide current benchmarks for prospective homebuyers and homeowners considering refinancing or borrowing against their home equity. The information aims to assist consumers in making informed financial decisions regarding home financing.

Why It Matters

Interest rates directly affect the cost of borrowing for home purchases, refinancing, and home equity loans. Understanding current rates helps consumers evaluate affordability and timing for financing decisions. These rates also impact the broader housing market and consumer spending related to home equity borrowing.