Home Equity Lenders
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Last Updated: 03/31/2025
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9.500% APR | 9.500% Rate | $1,045 Est. Payment per month | View Details
Conditions: Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details.
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Last Updated: 04/30/2025
| No Lender Fees | View Details
Conditions: HELOC, HELOAN or CASHOUT REFI all available.
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Last Updated: 04/30/2025
| Get cash now in exchange for a percentage of your homes future equity. | View Details
Conditions: Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
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Last Updated: 04/30/2025
| Cash-Out and Home Equity Options Available. | View Details
Conditions: Cash-Out and Home Equity Options Available.
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Last Updated: 04/30/2025
| Home Equity Loans & Refinance – Cash out | View Details
Conditions: • Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
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Last Updated: 04/30/2025
| Get up to $500k with no monthly payments, ever. | View Details
Conditions: Pointʼs Home Equity Investment (HEI) is an entirely new way to unlock your homeʼs wealth. Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.
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Los Angeles Federal Credit UnionLast Updated: 04/29/2025
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7.125% APR | 7.125% Rate | $906 Est. Payment per month | |
USC Credit UnionLast Updated: 04/29/2025
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7.750% APR | 7.750% Rate | $942 Est. Payment per month | |
First Tech FCULast Updated: 04/29/2025
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7.250% APR | 7.250% Rate | $913 Est. Payment per month | |
Corporate America Family CULast Updated: 04/29/2025
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9.750% APR | 9.750% Rate | $1,060 Est. Payment per month | |
Navy FCULast Updated: 04/29/2025
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8.200% APR | 8.200% Rate | $968 Est. Payment per month | |
Police Credit Union of CaliforniaLast Updated: 04/29/2025
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8.540% APR | 8.540% Rate | $988 Est. Payment per month | |
Financial Partners CULast Updated: 04/29/2025
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9.500% APR | 9.500% Rate | $1,045 Est. Payment per month | |
SchoolsFirst FCULast Updated: 04/29/2025
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7.500% APR | 7.500% Rate | $928 Est. Payment per month | |
Patelco CULast Updated: 04/29/2025
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8.240% APR | 8.240% Rate | $970 Est. Payment per month | |
Los Angeles Police Federal Credit UnionLast Updated: 04/29/2025
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7.875% APR | 7.875% Rate | $949 Est. Payment per month | |
Safe CULast Updated: 04/29/2025
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8.090% APR | 8.090% Rate | $961 Est. Payment per month | |
NuVision FCULast Updated: 04/29/2025
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9.000% APR | 9.000% Rate | $1,015 Est. Payment per month | |
San Diego County CULast Updated: 04/29/2025
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8.375% APR | 8.375% Rate | $978 Est. Payment per month | |
Stanford FCULast Updated: 04/29/2025
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7.750% APR | 7.750% Rate | $942 Est. Payment per month | |
First Financial CULast Updated: 04/29/2025
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7.250% APR | 7.250% Rate | $913 Est. Payment per month |
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