HELOC Rates New JerseyBest NJ Home Equity Line of Credit Rates

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

(Last Updated: 09/01/2026)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
6.240% Intro APR
6.240% After Intro PeriodIntro Period: 0 months		 6.240% Rate $0 Min. Initial Draw Amount
Conditions:
Conditions… Variable APR of Prime minus .51% in all states. Min loan amount $10,000. Max loan amount $300,000. 30-year term. Annual fee of $275. See conditions for guarantee at thirdfederal.com.
  • Third Federal rate are typically 20% lower than other leaders
  • Guaranteed Lowest Rate
  • No closing costs, prepayment penalties, or minimum draw requirements
  • 10 year draw period
6.540% Intro APR
6.540% After Intro PeriodIntro Period: 6 months		 6.540% Rate $5,000 Min. Initial Draw Amount
Conditions:
Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289
  • 100% online application process
  • Access credit from $5,000-$400,000 in home equity
  • Quick access to funds - cash in as little as 3 days
  • Check your offer - no impact to credit score
6.827% Intro APR
6.827% After Intro PeriodIntro Period: 0 months		 6.827% Rate $25,000 Min. Initial Draw Amount
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
  • Apply in 5 minutes, get your money in as fast as 5 days.
  • Digital application experience.
  • Funds directly to your bank account.
  • No in-person appraisal needed.
6.950% Intro APR
6.950% After Intro PeriodIntro Period: 0 months		 6.950% Rate $15,000 Min. Initial Draw Amount
Conditions:
HELOC, HELOAN or CASHOUT REFI all available.
  • No Lender Fees
  • Get Cash Fast. Most loans fund within 7 days.
  • Work with a human not a robot
  • Over 20 Years Experience
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
Use Home Equity to get cash you need
Conditions:
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 130 Billion Funded. 23 Years in Business
  • Use Home Equity to get cash you need
  • 98% of clients discover savings in minutes
  • Real Savings, Real Fast -$1200 average monthly savings
  • Over 130 Billion Funded. 23 Years in Business
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.
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