Virginia Home Equity Loan - 10 YearsVA Current Home Equity Rates

Current home equity loan rates in Virginia - Ten Year Loan

(Last Updated: 07/05/2025)
Home Equity Lenders
APR
Rate
Monthly Payment
 Contact details
8.525% APR 8.525% Rate $1,242 Est. Payment per month
Conditions:
This closed-end, fully amortizing home equity loan offers repayment terms from 15 to 30 years. The Annual Percentage Rate (APR) typically ranges from approximately 7.75% to 13.00%, depending on factors such as credit qualifications, loan-to-value ratio, property type, and market conditions. Origination fees of about 2% to 4% of the loan amount (potentially higher) may apply, and additional closing costs and fees may be required; these will be disclosed in your loan estimate. Minimum loan size of $50,000. All loan applications are subject to credit approval and formal underwriting, and product availability may vary based on property location, state restrictions, and other eligibility criteria. Rates and terms are for illustrative purposes only and are subject to change without notice; this is not a commitment to lend or an offer of credit. Homeowners insurance is required, and flood insurance may be required if the property is located in a Special Flood Hazard Area. Your home secures this loan, and you could lose your property if you fail to make payments. The maximum APR will not exceed the maximum permitted by law in your jurisdiction, and minimum and maximum loan amounts may apply. All information is provided “as is” without warranty of any kind. The lender assumes no liability for errors or omissions and reserves the right to modify or discontinue products at any time without prior notice.
  • Low Rates and Great Service Earned Us 1200+ 5-Star Reviews and A+ BBB Rating
Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi
Conditions:
Owning is a division of Guaranteed Rate, Inc, NMLS #2611 Headquarters: 3940 N Ravenswood, Chicago IL 60613. A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. 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 funding timeline assumes closing the loan with our remote online notary. 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. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and government fees, as applicable) 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.
  • 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.
Cash-Out and Home Equity Options Available.
Conditions:
Cash-Out and Home Equity Options Available.
  • Competitive Rates for FICO Scores 580-679
  • 366k+ positive reviews, A rating from the BBB
  • Pay off higher interest rate credit cards, Pay college tuition
  • 100% online mortgage application available
Tap Into the Equity of Your Home to Get The Cash You Need
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.
  • 1st Mortgages & Home Equity Loans (Credit Score Approvals Down to 500)
  • Cash Out and Debt Consolidation Experts
  • Self Employed Bank Statement Loan Programs
  • A+ BBB Rating and 4.9 Stars on Google
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
7.500% APR 7.500% Rate $1,188 Est. Payment per month
7.000% APR 7.000% Rate $1,162 Est. Payment per month
8.375% APR 8.375% Rate $1,234 Est. Payment per month
8.250% APR 8.250% Rate $1,227 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
8.730% APR 8.730% Rate $1,253 Est. Payment per month
Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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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