A HELOC fixed-rate option is a home equity loan and home equity line of credit hybrid, and it has its own quirks, benefits, and drawbacks.

With a fixed rate loan, the lender takes on the risk that interest rates may increase (due to inflation or other reasons), in which case they lose out by not receiving an increased return.

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For some homeowners, a fixed rate can very easily be the preferred choice while others may find the variable HELOC rate advantageous. HELOC rates have been declining for much of the last year.

Compare adjustable-rate mortgages vs. fixed rate mortgages. Understand the differences plus the pros and cons to choose the best option for you.

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For example, if your loan has a 5.50% fixed rate, you borrowed $30,000 and the term is 10 years, the total interest will be $9,069.41 if you make a fixed monthly payment of $325.58.