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Here is where you can take advantage of the ability of the Internet to make quick comparisons, saving both time and money. You can find both home equity loans and home equity lines of credit. More information. With interest rates falling considerably this year, this can be an excellent opportunity to restructure your payments, get a better rate than most credit cards and personal loans and work on the process of eliminating your debt load Home Equity Loans Mortgage Refinancing Home Loans Need money to finance college or make home improvements? Home equity loans do not have to put your home at risk and they can offer significantly better interest rates than other forms of loans. Some home equity loans even have tax deductible interest payments... Mortgage refinancing is simply the process of replacing your current loan with a new loan at a lower interest rate. Refinancing has been all the craze in the past five years. 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First time home buyer programs can offer a break for many individuals who need help coming up with down payment money or simply home home buyers with good credit deserving of a lower interest rate. 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