Access up to 90% of your home's equity with competitive rates. Compare HELOC and home equity loan options from top lenders.
"I used my home equity to renovate my kitchen and add a home office. The rate was much better than a personal loan!"
- Lisa K., HELOC Customer
Won't affect your credit score • Takes 3 minutes
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Tap into your home's value for major expenses at lower rates
Home equity loans typically offer lower interest rates than personal loans or credit cards because they're secured by your home.
Interest may be tax-deductible when used for home improvements. Consult your tax advisor for specific guidance.
Choose between a HELOC for ongoing access to funds or a home equity loan for a lump sum with fixed payments.
A HELOC is a revolving line of credit with variable rates that you can draw from as needed. A home equity loan provides a lump sum with fixed rates and payments. Choose based on whether you need ongoing access or a one-time amount.
Most lenders require at least 15-20% equity in your home. This means if your home is worth $300,000, you'd need to owe less than $240,000-$255,000 on your mortgage.
Common uses include home improvements, debt consolidation, education expenses, medical bills, or major purchases. Interest may be tax-deductible for home improvements.
The approval process typically takes 2-6 weeks, depending on the lender and how quickly you provide documentation. Some lenders offer expedited processing.
Compare rates and find the best home equity option for your needs
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