Top Home Equity Loan Lenders of 2026
Compare Our Tops Partner Offers
- Unlock your home equity without refinancing or making monthly payments.
- Access up to $500,000 and use the funds however you like
- No impact to your credit score
- No age or income requirements
- Minimum 500 credit score
- Pre-qualify in under 2 minutes
- Skip the monthly payments.
- Get up to $600,000.
- Fast funding, fewer hassles.
- Use the money however you'd like.
- Maximum loan amount: $750,000
- Maximum LTV: 85%
- Terms: 5, 10, 15, and 30 years
- Interest rates: Fixed rates starting at 7.60% APR
- Credit score minimum: 640
- Properties allowed: Single-family homes, townhouses, planned urban developments (PUDs), most condos, and duplexes. Both primary and secondary residences can qualify.
- Typically, no in-person appraisal is required
- Fast funding time
- Instead of sharing information with multiple lenders, fill out one simple, secure form in five minutes or less.
- LendingTree will match you with up to five lenders from their network of 300+ lenders who will call to compete for your business.
- LendingTree provides ongoing support with free credit monitoring, budgeting insights and personalized recommendations to help you save.
- Competitive APRs starting as low as 5.68%
- Lowest Rate HELOC, Guaranteed
- Great HELOC offers for FICO scores 680+
- Credit limits from $5,000–$400,000 in home equity
- 100% online process. Apply easily in as fast as 15 minutes.
- Check your offer with no impact to credit score
- Tap into a credit line of up to $350,000 to achieve your big financial goals.
- Get a more competitive interest rate than most unsecured loan products.
- Choose a draw period that works best for you—3, 5, or 10 years.
- Over 730K clients. 23 years’ experience. One goal: helping you build a brighter future.
- Get approved and funded quickly, so you can enjoy your new financial freedom.
- Unlock cash from within your home
- Online loan application process
- Save time on documents & paperwork
- Pay down debt, buy an investment property, or renovate your home
- Check your rate in minutes
- See if you qualify for a rate as low as 6.52% APR
- Get cash in as fast as 8 days
Understanding Your Home Equity Options
Home equity services allow homeowners to borrow against the value they’ve built in their property, typically calculated as the difference between the home’s market value and the remaining mortgage balance. The most common options are home equity loans and home equity lines of credit (HELOCs). A home equity loan provides a lump sum with a fixed interest rate and predictable monthly payments, making it suitable for large, one-time expenses. In contrast, a HELOC works more like a credit card, offering a revolving line of credit with a variable interest rate that borrowers can draw from as needed during a set period.
Other home equity options include cash-out refinancing, where a homeowner replaces their existing mortgage with a larger one and takes the difference in cash, often to secure a lower rate or consolidate debt. These products are commonly used for home improvements, debt consolidation, or major expenses, but they carry risk since the home is used as collateral. Borrowers should consider factors like interest rates, repayment terms, and their ability to manage payments over time when evaluating which option best fits their financial situation.