Pennsylvania Home Equity Loan - 10 YearsPA Current Home Equity Rates

Current home equity loan rates in Pennsylvania - Ten Year Loan

(Last Updated: 04/02/2026)
Home Equity Lenders
APR
Rate
Monthly Payment
 Contact details
6.990% APR 6.990% Rate $1,161 Est. Payment per month
Conditions:
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 $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). 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 (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, 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. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. 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
7.500% APR 7.500% Rate $1,188 Est. Payment per month
Conditions:
This is not a pre-approval or an offer of credit. This is an invitation to apply and to qualify for a loan you must meet our credit and other requirements. Applicants are required to complete an application, provide income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon 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. FBKC’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. Offer APRs assume automatic payment enrollment which provides a .50% discount (autopay enrollment is not a condition of loan approval). Origination fee is discounted to $397.50 with autopay enrollment. The HELOC interest rate floor is 5% and ceiling is 18%. Our minimum line amount is $25,000 and maximum line amount is $350,000. The minimum draw amount is $25,000 or half of the maximum line amount, whichever is greater. HELOCs require you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, are subject to change without notice. Repayment begins 30 calendar days after funding. FBKC also offers fixed rate Home Equity Loans (HELOAN). Rates vary depending on credit, CLTV, property type, occupancy and loan terms.
  • Customized Rate Quote
  • 24/7 Online Borrower Portal
  • Streamlined Online Application
  • Up to 100% LTV
Get up to $600k with no monthly payments, ever.
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.
  • Use your funds your way
  • No income verification - ideal for self-employment or retirement planning
  • Enjoy maximum flexibility - 30 year term, no prepayment penalties
  • Home Equity Investments are not considered a loan in all states
Home Equity Loans & Refinance – Cash out
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
  • 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
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
Renovating? Work with experts in renovation financing
Conditions:
Renovation loans available through RenoFi. RenoFi is a broker and does not make credit decisions; loans underwritten and funded by third party lenders. Not available in all states. Not all borrowers or property types qualify. Terms and conditions apply, including acceptable membership requirements stipulated by third-party credit union lenders. Loans above $500K may be subject to additional limitation and underwriting requirements. Closing costs and loan fees apply. Equal Housing Opportunity. NMLS # 1802847 (www.nmlsconsumeraccess.org). In CA: Renovation Technologies Holdings Inc. (NMLS # 2412747), CA Department of Real Estate Broker License # 02195141.
  • Renovating? Work with experts in renovation financing
  • Borrow up to 125% on your current home value to finance renovations
  • Loans up to $750k with competitive rates from Credit Unions
  • Borrow more than a typical HELOC
Access your home’s equity without replacing your current mortgage
Conditions:
Refi.com does not offer Home Equity Line-of-Credit (HELOC) or Home Equity Loans; HELOC and Home Equity Loans are independently underwritten by third-party lending partners and are subject to their terms and conditions. Refinancing may result in higher finance charges over the life of the loan. Not available in all states. Refi.com is a DBA of Mortgage Research Center, LLC. NMLS #1907 (www.nmlsconsumeraccess.org) 1930 W Bennett St., Suite 100, Springfield, MO 65807 Equal Housing Opportunity.
  • Access your home’s equity without replacing your current mortgage
  • Put your home’s equity to work on your terms
  • Flexible funds for renovations, debt consolidation, or major expenses
  • Refi.com connects you with home equity lending specialists
7.990% APR 7.990% Rate $1,213 Est. Payment per month
6.647% APR 6.625% Rate $1,142 Est. Payment per month
6.090% APR 6.090% Rate $1,115 Est. Payment per month
7.000% APR 7.000% Rate $1,162 Est. Payment per month
7.750% APR 7.750% Rate $1,201 Est. Payment per month
8.090% APR 8.090% Rate $1,219 Est. Payment per month
12.624% APR 12.550% Rate $1,467 Est. Payment per month
7.150% APR 7.150% Rate $1,169 Est. Payment per month
7.990% APR 7.990% Rate $1,213 Est. Payment per month
7.650% APR 7.650% Rate $1,195 Est. Payment per month
6.740% APR 6.740% Rate $1,148 Est. Payment per month
6.740% APR 6.740% Rate $1,148 Est. Payment per month
6.000% APR 6.000% Rate $1,111 Est. Payment per month
6.250% APR 6.250% Rate $1,123 Est. Payment per month
6.730% APR 6.730% Rate $1,148 Est. Payment per month
6.762% APR 6.740% Rate $1,148 Est. Payment per month
6.860% APR 6.860% Rate $1,154 Est. Payment per month
6.765% APR 6.765% Rate $1,150 Est. Payment per month
6.140% APR 6.140% Rate $1,118 Est. Payment per month
7.250% APR 7.250% Rate $1,175 Est. Payment per month
9.990% APR 9.990% Rate $1,321 Est. Payment per month
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