Home Equity Lenders
|
APR
|
Rate
|
Initial Draw
|
Contact details |
---|---|---|---|---|
Last Updated: 04/18/2025
|
6.490%
Intro APR
7.750% After Intro PeriodIntro Period: 12 months |
7.750% Rate | $25,000 Min. Initial Draw Amount | View Details
Conditions: Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000.
|
Last Updated: 06/20/2025
|
8.500%
Intro APR
8.500% After Intro PeriodIntro Period: 0 months |
8.500% Rate | $25,000 Min. Initial Draw Amount | View Details
Conditions: This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms.
|
ADVERTISEMENT
Last Updated: 06/25/2025
| Tap Into the Equity of Your Home to Get The Cash You Need | View Details
Conditions: 2025 Haven Home Equity NMLS# 4181. 21 The Boulevard, Richmond Heights, MO 63117. This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Not all loan products are available in all states. Not all borrowers will qualify. For licensing information, go to www.nmlsconsumeraccess.org.
|
||
ADVERTISEMENT
Last Updated: 06/25/2025
| 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
|
||
ADVERTISEMENT
Last Updated: 06/25/2025
| Home Equity Line of Credit - Equal Housing Lender | View Details
Conditions: Interest-only payments during the 10-year draw period
|
||
ADVERTISEMENT
Last Updated: 06/25/2025
| Cash-Out and Home Equity Options Available. | View Details
Conditions: Cash-Out and Home Equity Options Available.
|
||
Workers Credit UnionLast Updated: 06/24/2025
|
7.500% APR | 7.500% Rate | $0 Min. Initial Draw Amount | |
Cambridge Savings BankLast Updated: 06/24/2025
|
6.990%
Intro APR
7.250% After Intro PeriodIntro Period: 12 months |
7.250% Rate | $0 Min. Initial Draw Amount | |
HSBCLast Updated: 06/24/2025
|
5.990%
Intro APR
8.850% After Intro PeriodIntro Period: 12 months |
8.850% Rate | $25,000 Min. Initial Draw Amount | |
First Tech FCULast Updated: 06/24/2025
|
7.750% APR | 7.750% Rate | $0 Min. Initial Draw Amount | |
KeyBank - SyracuseLast Updated: 06/24/2025
|
9.200% APR | 9.200% Rate | $0 Min. Initial Draw Amount | |
TD BankLast Updated: 06/24/2025
|
7.890% APR | 7.890% Rate | $0 Min. Initial Draw Amount | |
Eastern BankLast Updated: 06/24/2025
|
7.250% APR | 7.250% Rate | $25,000 Min. Initial Draw Amount | |
Navy FCULast Updated: 06/24/2025
|
7.750% APR | 7.750% Rate | $0 Min. Initial Draw Amount | |
Washington Trust BankLast Updated: 06/24/2025
|
8.000% APR | 8.000% Rate | $0 Min. Initial Draw Amount | |
PeoplesBankLast Updated: 06/24/2025
|
6.250%
Intro APR
7.000% After Intro PeriodIntro Period: 12 months |
7.000% Rate | $0 Min. Initial Draw Amount | |
Service Credit UnionLast Updated: 06/24/2025
|
6.490%
Intro APR
7.500% After Intro PeriodIntro Period: 12 months |
7.500% Rate | $0 Min. Initial Draw Amount | |
DCULast Updated: 06/24/2025
|
7.500% APR | 7.500% Rate | $500 Min. Initial Draw Amount | |
Bank of AmericaLast Updated: 06/24/2025
|
6.490%
Intro APR
8.160% After Intro PeriodIntro Period: 6 months |
8.160% Rate | $100,000 Min. Initial Draw Amount | |
Rockland TrustLast Updated: 06/24/2025
|
7.490% APR | 7.490% Rate | $25,000 Min. Initial Draw Amount | |
Washington Trust CompanyLast Updated: 06/24/2025
|
5.990%
Intro APR
7.625% After Intro PeriodIntro Period: 18 months |
7.625% Rate | $0 Min. Initial Draw Amount |
Choose your city below to view local home equity lenders in your area: