When considering a home equity loan, you must keep in mind that to get the lowest rates, you must do your research as well as make a concerted effort in not defaulting on debts to keep your credit score high. When you make an equity home loan, you must remember that it is your house that is at stake when you make the loan. Since the home is important to any person, banks will be more discerning when it comes to giving out equity home loans.Before availing of just any loan, do your research and find out who offers the lowest rates in equity home loans. This kind of information is available online and with a little internet research you will be sure to find the interest rate that is perfect for you. Also, get your credit score and find out what kind of loan you can avail of with your current credit history. The higher your score, the lower your pay back interest rate will be, and vice versa. So it is of utmost importance that you pay your debts on time so that your credit score stays high.If you are really feeling lost, find a broker to help you get an equity home loan for you. Brokers will know best which firms can give you the lowest rates for your needs. And if you already have a primary mortgage on your house, opt to stick to the same lending company to give you the equity home loan. Chances are that since you already have an existing relationship, the process may be easier and faster.