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Should I refinance my mortgage?Check our current HELOC rates and use our home equity line of credit calculator to see what you may be able to borrow based on the value of your home. Home equity loan: Homeowners can borrow a large amount of money -- starting at $25, -- at a fixed interest rate with a BMO Harris home equity. Both a HELOC and a home equity loan can help you unlock the value of your house for major renovation projects, debt consolidation, an emergency fund and more.