A president pro tempore is the leader of the Senate when the  Vice-President is not there. (pro tempore is Latin phrase which  means for the time being.) Unlike the VP, he â¦ can also vote to  create a tie, since he is a Senator. The position is elected by the  Senators.
Home equity loans and lines of credit. Where rates are now: 4.72 percent average for a HELOC; 6.03 for a home equity loan. Projected rates for end of 2015: 5.2 percent average for a HELOC; 6.5 percent for a home equity loan. Rates on both home equity loans and lines of credit wonât change much during first half of the year, at least not until the Fed raises short-term interest rates. The change to home equity lines of credit may be more pronounced.
Home Equity Loan â As of September 11, 2016, the fixed Annual Percentage Rate (APR) ranges from 6.64% to 9.74% for 30-year second position home equity installment loan with loan-to-value (LTV) of 70% or less. Higher rates apply for higher LTV, certain property types, low credit score or other loan amount.