BetterRate

Best Home Equity Products of March 2026

PartnerEst. APRUp To Loan AmountBest ForLearn More
Hometap

N/A

$600,000

Best for homeowners who want cash now with no monthly payments through a home equity investment.

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Rocket Mortgage

Personalized Rate Quote

$500,000

Best for homeowners who need a one-time lump sum with stable, fixed payments and nationwide availability.

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Unlock

N/A

$500,000

Best for accessing home equity without monthly payments or traditional debt obligations.

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Figure

Starting at 7.60%

$750,000

Best for fast, fully digital HELOC approval and competitive online rates.

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How Home Equity Services Work

  • Check Your Eligibility: Answer a few quick questions about your home, income, and credit. If approved, you’ll receive a credit line based on the equity you’ve built.
  • Access Cash When You Need It: Borrow from your available credit line during the draw period — use only what you need and pay interest only on what you use.
  • Repay with Structured Monthly Payments: Once the draw period ends, you’ll repay the balance over time with predictable monthly payments.