They might limit how many times you can lock in a fixed interest rate on your HELOC (for example, U.S. Bank allows customers ...

With a fixed-rate HELOC, you have the option to fix the rate on some or all your balance during the loan's term. There may be limits on how many times you can fix your rate or how many fixes can ...

Why a fixed-rate HELOC is worth it now, experts say. To many homeowners and real estate investors, a variable-rate HELOC is a worthwhile option right now, as it lets them take advantage of the ...

A fixed-rate mortgage is more predictable than an adjustable-rate mortgage, which might be optimal if you plan on staying in your home for a long period of time. BLUEPRINT Insurance ...

How to change the type of interest rate on a product. Often you won’t have a choice between fixed and variable rates — even if the product you need would benefit from one more than the other.

10-, 15- and 30-year fixed-term conventional loans, 30-year VA and FHA loans, custom mortgages with fixed-rate terms from 8 to 29 years. Credit needed 620 for conventional loans ...

Opt for a shorter loan term: In mid-May of 2025, for example, 30-year fixed-rate mortgages were charging an average of 7.11%, according to Investopedia data, while 15-year fixed mortgages averaged ...

You can usually lock in the fixed-rate portion of a HELOC for five to 30 years — and some lenders may allow you to convert back to a variable rate if rates drop.

If your HELOC lender offers a fixed-rate option, you can usually do the conversion at closing or during the draw period, says Laura Sterling, ...