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HELOC introductory rates are just that—lower rates lenders use to entice you to open a line of credit with them. These promotional periods typically last anywhere from six to 18 months ...

ARM introductory rates have run significantly lower than fixed rates on mortgages most of the time. This allows homebuyers to start with a lower rate and save some money. At least, in theory.

These introductory rates could also be fixed for that full-time frame, while regular HELOC rates are typically not. This will allow you to save money and budget more accurately over that period.

ARM introductory rates have run significantly lower than fixed rates on mortgages most of the time. This allows homebuyers to start with a lower rate and save some money.