Disclaimer: We are not a lender. This website is a loan marketplace that connects consumers with third-party lenders and lending partners who offer home equity loan products. By submitting your information, you are requesting to be matched with one or more of these providers, who may contact you via phone, email, or SMS.
The availability of loan products and terms may vary depending on your credit profile, location, and the individual policies of the lender. We do not make credit decisions, offer loans directly, or guarantee loan approval or terms. Not all applicants will qualify for the advertised rates or loan products.
Your information may be shared with one or more third-party providers in order to process your request and offer loan options. Please review all terms, conditions, and disclosures provided by the lender(s) before accepting any offer.
Typical APR is 6.3% - 18.00%3 (subject to change) - Terms shown here are subject to change without notice. APRs for initial advances range from 6.3% to 18.00% based on rates offered as of January 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state.
Origination fee to open an account is between 1.00% and 4.99% of the approved credit limit. The Annual Percentage Rate (“APR”) is variable and based on the Prime Rate as published in the Wall Street Journal “Money Rates” table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required
1.00% - 4.99%4 origination fee: Terms shown here are subject to change without notice. Origination fee to open an account is between 1.00% and 4.99% of the approved credit limit. The Annual Percentage Rate (“APR”) is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. Ask us for additional details.between 1.00% and 4.99% of the approved credit limit. The Annual Percentage Rate (“APR”) is variable and based on the Prime Rate as published in the Wall Street Journal “Money Rates” table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.000%. Property insurance is required.
Variable rate (with fixed rates on each draw5): A Home Equity Line of Credit has a variable rate. The APR may change, but the APR that will apply to each draw will be fixed on the date the draw is made. Your APR will be the Prime Rate at the time of draw plus a margin fixed for the life of the HELOC
Close in as little as 5 days6: As of January 2025, 10% of funded HELOCs achieved a closing timeline of 5 days or less and a funding timeline of 11 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline.