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Home equity loan vs. HELOC: Which is better when interest rates fall?Home Equity Rates ; Home Equity Fixed 10 year term, %, $, ; Home Equity Fixed 15 year term, %, $, ; Home Equity Fixed 20 year term, %. A Home Equity loan can provide funding for home improvement, tuition payments, consolidating debit and more. Rates are often lower than a credit card. Please enter your zip code. Northfield Home Equity Loans and Lines of Credit are available to residents in New Jersey and parts of New York and Pennsylvania.
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