Best Home Equity Products of May 2026
Updated on April 30, 2026
| Partner | Est. APR | Up To Loan Amount | Best For |
|---|---|---|---|
 4.8/5.0 Apply Now on Hometap's secure site | N/A | $600,000 | Best for homeowners who want access to cash now with no monthly payments through a home equity investment. |
 5.0/5.0 Apply Now on Rocket Mortgage 's secure site | Personalized Rate Quote | $500,000 | Best for homeowners who need a one-time lump sum with stable, fixed payments and nationwide availability. |
 4.5/5.0 Apply Now on Unlock's secure site | N/A | $500,000 | Best for accessing home equity without monthly payments or traditional debt obligations. |
 5.0/5.0 Apply Now on Figure's secure site | Starting at 7.60% | $750,000 | Best for fast, fully digital HELOC approval and competitive online rates. |
 5.0/5.0 Apply Now on Aven's secure site | Starting at 5.99% | $400,000 | Best for homeowners who want flexible cash access plus a cash-back rewards option |
 4.6/5.0 Apply Now on Upstart Home Lending's secure site | Starting at 6.52% | $250,000 | Best for Homeowners with strong credit looking to access flexible funds through a fully digital application process. |
 4.5/5.0 Apply Now on Amerisave Mortgage Corporation's secure site | Personalized Rate Quote | $350,000 | Best for Homeowners looking for a competitive-rate HELOC with a fast, fully online application process from a well-established lender. |
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.
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.