Erika Giovanetti on Muck Rack

Erika Giovanetti

Verified
Richmond
As seen in: U.S. News and World Report, MSN, MSN Canada, Yahoo Finance, Money US News, Fox Business, GOBankingRates, WAGA-TV (Atlanta, GA), WFLD-TV (Chicago, IL), WJBK-TV (Detroit, MI), WNYW-TV (New York, NY) and
Covers:  Personal finance
Consumer Lending Analyst @usnews. I like data and charts. Ask me about mortgage rates. Formerly @FoxBusiness / @LendingTree

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Erika Giovanetti’s Biography

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Erika Giovanetti is the consumer lending analyst for U.S. News & World Report and a certified personal finance counselor. She offers insights on a range of personal finance topics, from mortgage rate trends to student loan debt. Consumers can count on her for advice on buying a home, borrowing money for college, slashing credit card balances, negotiating medical bills, creating a budget and more.

As a personal finance expert, Giovanetti has appeared on television networks, podcasts and radio sh…

Erika Giovanetti’s Journalist Portfolio

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Articles

Best Mortgage Refinance Lenders of July 2026

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By Erika Giovanetti Verified, Whitney Blair Wyckoff Verified
| Money US News
National Average Mortgage Refinance Rate Trends Rates data is based on a borrower with good credit, a conforming loan amount (at least $200,000 but less than the national conforming loan amount), and a loan-to-value ratio of less than 80% (For purchase loans, this corresponds to a down payment of 20% or more). © Zillow, Inc., 2006-2016. Use is subject to Terms of Use .
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Best HELOC Lenders of 2026

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By Erika Giovanetti Verified, Whitney Blair Wyckoff Verified
| Money US News
What Is a Home Equity Line of Credit? A home equity line of credit, or HELOC, is a form of revolving credit that is secured by your home and can be used for just about anything, from home improvements to debt consolidation. You can borrow against the credit line as needed up to a set limit, which depends on the amount of equity you have in your home and the lender's maximum combined loan-to-value ratio. When you use the HELOC, you pay interest on the balance you borrowed.
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Best Home Equity Loans of 2026

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By Erika Giovanetti Verified, Tracy Stewart Verified
| Money US News
What Is a Home Equity Loan? A home equity loan allows you to borrow against the equity in your home, using your property to secure the loan. You get a lump sum payout, which you typically repay at a fixed interest rate over a repayment term of five to 30 years. The payment on your home equity loan is in addition to the payment on your first mortgage, which is why home equity loans are sometimes known as second mortgages.
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