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Home Equity Lenders
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APR
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Rate
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Initial Draw
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Contact details |
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| Tap into your home's equity & access the funds you need with a HELOC | View Details
Conditions: Rates and terms are subject to change without notice. All offers of credit are subject to credit approval requirements and applicants may be offered credit at higher rates and other terms. Loan-to-Value (LTV) and/or Combined LTV (CLTV) restrictions apply. Hazard insurance is required on all loans secured by real property (flood insurance may also be required where applicable). Consult a tax professional regarding the potential deductibility of interest. FourLeaf does not currently offer HELOCs in Texas or for cooperative (co-op) properties. Membership at FourLeaf is required by opening a minimum $5 share savings account at or prior to HELOC account opening. https://www.fourleaffcu.com/personal/heloc-disclosures/
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6.821%
Intro APR
6.821% After Intro PeriodIntro Period: 0 months |
6.821% Rate | $25,000 Min. Initial Draw Amount | View Details
Conditions: NMLS #2611: NMLS consumer access. For licensing information, please go to www.nmlsconsumeraccess.org. Owning Home Equity Line of Credit is available in AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY. Equal Housing Lender Owning HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. The Owning Home Equity Line of Credit is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Rates displayed reflect first lien mortgage pricing and may not apply to second lien products. Advertised rates are based on top-tier credit profiles (typically FICO scores of 800+), even within broader credit categories shown. All rates and terms are subject to qualification, including a maximum combined loan-to-value (CLTV) of 50%, and may vary based on individual borrower profile and loan scenario. Owning is a division of Guaranteed Rate, Inc, NMLS #2611 Headquarters: 3940 N Ravenswood, Chicago IL 60613
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6.950%
Intro APR
6.950% After Intro PeriodIntro Period: 0 months |
6.950% Rate | $15,000 Min. Initial Draw Amount | View Details
Conditions: Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.
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6.950%
Intro APR
6.950% After Intro PeriodIntro Period: 0 months |
6.950% Rate | $15,000 Min. Initial Draw Amount | View Details
Conditions: Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.
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5.990%
Intro APR
7.000% After Intro PeriodIntro Period: 12 months |
7.000% Rate | $25,000 Min. Initial Draw Amount | View Details
Conditions: Rates and terms are subject to change without notice. All offers of credit are subject to credit approval requirements and applicants may be offered credit at higher rates and other terms. Loan-to-Value (LTV) and/or Combined LTV (CLTV) restrictions apply. Hazard insurance is required on all loans secured by real property (flood insurance may also be required where applicable). Consult a tax professional regarding the potential deductibility of interest. FourLeaf does not currently offer HELOCs in Texas or for cooperative (co-op) properties. Membership at FourLeaf is required by opening a minimum $5 share savings account at or prior to HELOC account opening. https://www.fourleaffcu.com/personal/heloc-disclosures/
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| 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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ADVERTISEMENT
| 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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ADVERTISEMENT
| HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online. | View Details
Conditions: The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
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Greater Nevada CULast Updated: 10/10/2025
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8.500% APR | 8.500% Rate | $100,000 Min. Initial Draw Amount | |
Nevada State BankLast Updated: 10/10/2025
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4.990%
Intro APR
8.250% After Intro PeriodIntro Period: 6 months |
8.250% Rate | $0 Min. Initial Draw Amount | |
Bank of AmericaLast Updated: 10/10/2025
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5.990%
Intro APR
8.430% After Intro PeriodIntro Period: 6 months |
8.430% Rate | $100,000 Min. Initial Draw Amount | |
HSBCLast Updated: 10/10/2025
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5.740%
Intro APR
8.600% After Intro PeriodIntro Period: 12 months |
8.600% Rate | $25,000 Min. Initial Draw Amount | |
Mountain America CULast Updated: 10/10/2025
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4.490%
Intro APR
8.000% After Intro PeriodIntro Period: 6 months |
8.000% Rate | $0 Min. Initial Draw Amount | |
America First CULast Updated: 10/10/2025
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4.490%
Intro APR
8.240% After Intro PeriodIntro Period: 6 months |
8.240% Rate | $0 Min. Initial Draw Amount | |
Bank of NevadaLast Updated: 10/10/2025
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8.250% APR | 8.250% Rate | $0 Min. Initial Draw Amount | |
Navy FCULast Updated: 10/10/2025
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7.500% APR | 7.500% Rate | $0 Min. Initial Draw Amount | |
Washington Trust BankLast Updated: 10/10/2025
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8.000% APR | 8.000% Rate | $0 Min. Initial Draw Amount | |
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