Conventional Fixed Rate Mortgages 30 Year Fixed Rate  Rate  APR  Points  7.625%  7.778%  0.000% 15 Year Fixed Rate  Rate  APR  Points  6.875%  7.113%  0.000% Adjustable Rate Mortgages Home Equity Line of Credit  Rate  APR  Points  9.200%  9.200%  0.000% Home Equity Loan  Rate  APR  Points  8.250%  8.263%  0.000%