Every product we hold, and what it costs by the day you sell

37 products across three types. 28 publish cost terms; 7 show them only after you apply; 2 served our checker a page we could not read.

14 publish enough to compute a cost by the day you sell. 14 publish some terms but not the rate, term, or share a cost needs.

Every product in the dataset. Cost columns are the total paid back beyond the $50,000 received, on a $500,000 home gaining 3% a year, at the lowest published rate. Where a provider does not publish enough, the row says which reason applies. Last full data refresh 2026-08-25, every row checked 2026-09-18.
ProviderTypePublished headlineMin creditCost, year 5Cost, year 10Annualized
UnisonHEI40.0% of gain—$45,605$82,53310.8%
SpliteroHEI2.00x share500$68,427$86,89211.0%
AspireHEIpublishes terms, but not enough to compute
HometapHEIcost terms not readable on the published page
PointHEIpublishes terms, but not enough to compute
UnlockHEIpublishes terms, but not enough to compute
U.S. BankHome equity loan7.4% APR660$15,013$20,9087.7%
Regions BankHome equity loan6.75% APR—$15,774$28,7327.0%
Navy Federal Credit UnionHome equity loan8.35% APR—$19,725$36,3418.7%
KeyBankHome equity loanshows its cost terms only after you apply
PenFed Credit UnionHome equity loanshows its cost terms only after you apply
Rocket MortgageHome equity loanshows its cost terms only after you apply
Spring EQHome equity loanshows its cost terms only after you apply
TD BankHome equity loancost terms not readable on the published page
TruistHome equity loanshows its cost terms only after you apply
U.S. BankHELOC5.95% APR660$15,175$30,4256.2%
FourLeaf Federal Credit UnionHELOC7% APR720$17,500$35,0007.2%
Third Federal Savings & LoanHELOC6.49% APR—$17,600$35,2007.3%
Alliant Credit UnionHELOC7% APR—$17,700$35,4507.3%
TruistHELOC7.25% APR—$18,375$36,7507.6%
Regions BankHELOC7.5% APR—$18,750$37,5007.8%
Navy Federal Credit UnionHELOC8% APR—$20,000$40,0008.3%
Connexus Credit UnionHELOC8.01% APR—$20,200$40,2258.4%
LowerHELOC8.75% APR—$21,875$43,7509.1%
AchieveHELOCpublishes terms, but not enough to compute
AvenHELOCpublishes terms, but not enough to compute
Bank of AmericaHELOCpublishes terms, but not enough to compute
BetterHELOCpublishes terms, but not enough to compute
ChaseHELOCpublishes terms, but not enough to compute
CitizensHELOCpublishes terms, but not enough to compute
FigureHELOCpublishes terms, but not enough to compute
FlagstarHELOCpublishes terms, but not enough to compute
KeyBankHELOCshows its cost terms only after you apply
loanDepotHELOCpublishes terms, but not enough to compute
PenFed Credit UnionHELOCpublishes terms, but not enough to compute
Spring EQHELOCshows its cost terms only after you apply
TD BankHELOCpublishes terms, but not enough to compute

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How the cost is worked out

home value today = $500,000; cash taken = $50,000 (10% of value) home value in year N = $500,000 x 1.03^N (3% a year, every product) HEI, share of value = multiplier x 10% x home value in year N HEI, principal + share = $50,000 + share x (value in year N - adjusted starting value) HEI cap = $50,000 x (1 + cap/12)^(12N) where the provider publishes a cap HELOC illustration = interest-only using the lowest published APR as a rate proxy, then amortized home equity loan example = amortized using the lowest published APR as a rate proxy total cost at sale (N) = payments made + balance or payoff owed at sale - $50,000 + upfront fees annualized cost = the yearly rate that turns the cash received into everything paid back

Every rate is the lowest the provider publishes, so where a page says “as low as” the figure is an illustrative starting scenario. An “up to” fee is modeled at its stated maximum; the actual fee may be lower. APR is used as a proxy for the payment rate when no separate note rate is published. Variable rates are held flat. Eligibility, unpublished charges, taxes and insurance are excluded. These figures are neither quotes nor guaranteed lower bounds. Read the method.

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Written by Kaz (pen name). Figures are copied from providers' published pages on the dates shown. We have not used these products. Corrections: contact form.