Top Home Equity Loan Lenders of August 2026
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Understanding Your Home Equity Options
Make the most of your home’s value and put it to work for you. Home equity services let homeowners borrow against the difference between their home’s market value and remaining mortgage balance—giving you access to funds for renovations, debt consolidation, or major expenses.
Popular options include home equity loans, which provide a lump sum with fixed rates and predictable monthly payments, and HELOCs (home equity lines of credit), offering flexible, revolving access to cash with variable rates. You can also explore cash-out refinancing to replace your current mortgage and access additional funds—often while securing a better rate.
With competitive rates and versatile options, home equity solutions can help you reach your financial goals. Just be sure to compare interest rates, terms, and repayment options to find the best fit for your situation.
Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289.
Upstart Mortgage, LLC. NMLS #2443873. Upstart Mortgage, LLC dba Upstart Home Lending.
1. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 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 0% 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.
2. When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.
3. In September 2025, 10% of funded HELOCs achieved a closing timeline of 2 days or less and a funding timeline of 8 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. MBA’s 2024 Home Lending Study reports an average industry closing time of 31 days.
4. 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.
5. Terms shown here are subject to change without notice. Origination fee to open an account is between 0% 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.