HELOC Rates New JerseyBest NJ Home Equity Line of Credit Rates

Compare home equity line of credit (HELOC) rates in New Jersey

(Last Updated: 07/03/2026)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
6.375% Intro APR
6.375% After Intro PeriodIntro Period: 0 months		 6.375% Rate $0 Min. Initial Draw Amount
Conditions:
Home Equity loans are available through Achieve Loans (NMLS ID #1810501). Offers may vary; 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 between $15,000 and $700,000, and assigned based on credit score, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies. Fixed rate APRs range from 5.50% - 13.500% and are assigned based on underwriting requirements. Lowest APRs require a fico equal to or greater than 700, CLTV equal to or less than 50%, DTI equal to or less than 15%, opt in to ACH (not required to obtain loan) and loan amount equal to or less than $150,000. Offer APRs assume automatic payment enrollment and DTI less than 15% discounts. Rate discounts are removed if these parametes are not met. 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 $10,304, depending on line amount and state law requirements and may include origination (up to 4.0% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV maximums range from 75% to 90% and are based on credit score, property type and include the Achieve Loans new loan request. Property insurance is required and flood insurance may be required depending on location. You must pledge your home as collateral. Contact Achieve Loans for further details. Equal Housing Opportunity
  • Competitive rates, Pre-qualify in minutes
  • Mortgage Advisors standing by to help find the best solution
  • Flexible terms with fast funding
  • Minimum credit score: 600
6.950% Intro APR
6.950% After Intro PeriodIntro Period: 0 months		 6.950% Rate $15,000 Min. Initial Draw Amount
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.
  • Get your offer in 5 minutes and funding in as few as 5 days
  • Personalized banking solutions to help reach your financial goals
  • Up to $400K
  • Terms of 10,15, or 30 years
5.990% Intro APR
7.000% After Intro PeriodIntro Period: 12 months		 7.000% Rate $25,000 Min. Initial Draw Amount
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/
  • Tap into your home's equity & access the funds you need with a HELOC
  • Apply online or speak with a specialist
  • No application, origination & appraisal fees on lines up to $500K
Work with a human
Conditions:
HELOC, HELOAN or CASHOUT REFI all available.
  • Work with a human
  • No Lender Fees
  • Get cash in as little as 7 days
  • Up to $500,000 available
Get cash now in exchange for a percentage of your homes future equity.
Conditions:
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
  • No monthly payments or interest charges
  • Minimum Credit score: 500
  • Access up to $500k
  • No need to refinance
5.990% Intro APR
7.250% After Intro PeriodIntro Period: 6 months		 7.250% Rate $0 Min. Initial Draw Amount
6.190% Intro APR
7.000% After Intro PeriodIntro Period: 12 months		 7.000% Rate $0 Min. Initial Draw Amount
7.250% APR 7.250% Rate $0 Min. Initial Draw Amount
5.740% Intro APR
7.840% After Intro PeriodIntro Period: 6 months		 7.840% Rate $0 Min. Initial Draw Amount
5.740% Intro APR
7.600% After Intro PeriodIntro Period: 12 months		 7.600% Rate $25,000 Min. Initial Draw Amount
7.540% APR 7.540% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
7.730% APR 7.730% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.420% After Intro PeriodIntro Period: 6 months		 8.420% Rate $100,000 Min. Initial Draw Amount
5.990% Intro APR
7.500% After Intro PeriodIntro Period: 6 months		 7.500% Rate $0 Min. Initial Draw Amount
8.000% Intro APR
8.000% After Intro PeriodIntro Period: 12 months		 8.000% Rate $0 Min. Initial Draw Amount
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
Couple planning