{ "_site": "Home Equity Cost Calculator", "_url": "https://allthefees.com/home-equity-cost-calculator", "_updated": "2026-08-25", "_license": "CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/", "_attribution": "Home Equity Cost Calculator (https://allthefees.com/home-equity-cost-calculator)", "_method": "https://allthefees.com/home-equity-cost-calculator/method", "_note": "Every figure comes from the provider's own published pricing page. Fields listed in `unconfirmed` are not stated publicly by the provider. price_visibility separates what a provider does not publish from what we could not read. No computed values are stored; see _method.", "rows": [ { "key": "point-hei", "brand": "Point", "product": "Point Home Equity Investment (HEI)", "category": "hei", "market": "US", "provider_url": "https://point.com/", "terms_url": "https://point.com/hei", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "Point's HEI product is offered as a licensed mortgage product in Colorado, Connecticut, Georgia, Illinois, Maryland, North Carolina, Oregon, Washington, and Wisconsin.", "min_credit": 500, "max_cltv_pct": null, "min_amount": 30000, "max_amount": 600000, "min_home_value": null, "affiliate_brand": "Point", "notes": "Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. You can buy back your equity at any time within a 30-year term. Get $30k - $600k. 500+ credit scores. Example (Tim): Tim's home is worth: $500,000; we apply a home value risk adjustment of 27% (Appreciation Starting Value $365,000); average appreciation scenario (3.5%/yr, 5 years): home sells for $593,800, Point receives $114,300. Point's share of appreciation % is not stated as a fixed number on the page; help center example only: 'Point's share 30%' of a $200,000 gain. Homeowner Protection Cap: 'a fixed annual rate, compounded monthly' - rate not disclosed (https://help.point.com/article/135-how-does-the-homeowner-protection-cap-work).", "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "max_cltv_pct", "min_home_value", "third_party_fees_low", "third_party_fees_high", "appreciation_share_pct", "cap_apr_pct" ], "origination_fee_pct": 3.9, "origination_fee_is_up_to": true, "third_party_fees_low": null, "third_party_fees_high": null, "term_years": 30, "hei_model": "principal_plus_appreciation", "value_multiplier": null, "appreciation_share_pct": null, "starting_value_discount_pct": 27, "cap_apr_pct": null, "example_home_value": 500000, "example_cash": 50000, "example_years": 5, "example_future_value": 593800, "example_payoff": 114300, "example_src": "https://point.com/hei", "origination_fee_min": 2000 }, { "key": "hometap-hei", "brand": "Hometap", "product": "Hometap Home Equity Investment", "category": "hei", "market": "US", "provider_url": "https://www.hometap.com/", "terms_url": "https://www.hometap.com/blog/how-hometap-pricing-works", "parent_company": null, "parent_src": null, "price_published": false, "price_visibility": "not_readable", "states_count": null, "states_note": null, "min_credit": null, "max_cltv_pct": null, "min_amount": null, "max_amount": 600000, "max_amount_src": "https://www.hometap.com/", "min_home_value": null, "affiliate_brand": "Hometap", "notes": "A Hometap Investment gives you access to your equity - in the form of cash - in exchange for a share of your home's future value. A Hometap HEI has a ten (10) year term. up to $600,000. The maximum percentage of equity a homeowner can access is 24.99%. Pricing page: 'X% of their current home value, and in exchange, we earn a Y% minority stake'; 'the Hometap Share would be 15% for 0-3 years' when accessing 10% of equity (later-year tiers not shown). 'Hometap Investments feature a cap that is an annualized rate of return' (no number). No fee %, third-party costs, credit score or states list were readable (hometap.com/faqs and /legal/licenses returned 403). Re-tried 2026-08-25 in the requester's Chrome from Japan: hometap.com/blog/how-hometap-pricing-works returned 403 Forbidden, so the pricing wording above could not be re-read.", "_checked": "2026-08-25", "unconfirmed": [ "parent_company", "states_count", "states_note", "min_credit", "max_cltv_pct", "min_amount", "min_home_value", "origination_fee_pct", "third_party_fees_low", "third_party_fees_high", "value_multiplier", "cap_apr_pct", "example_home_value", "example_cash", "example_years", "example_future_value", "example_payoff" ], "origination_fee_pct": null, "origination_fee_is_up_to": false, "third_party_fees_low": null, "third_party_fees_high": null, "term_years": 10, "hei_model": "share_of_value", "value_multiplier": null, "appreciation_share_pct": null, "starting_value_discount_pct": null, "cap_apr_pct": null, "example_home_value": null, "example_cash": null, "example_years": null, "example_future_value": null, "example_payoff": null, "example_src": null, "origination_fee_min": null }, { "key": "unlock-hea", "brand": "Unlock", "product": "Unlock Home Equity Agreement (HEA)", "category": "hei", "market": "US", "provider_url": "https://www.unlock.com/", "terms_url": "https://www.unlock.com/what-it-costs/", "parent_company": "Unlock Technologies, Inc.", "parent_src": "https://www.unlock.com/how-it-works/", "price_published": true, "price_visibility": "published", "states_count": 26, "states_note": "Alabama, Arizona, California, Florida, Hawaii, Idaho, Indiana, Kentucky, Michigan, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Vermont, Virginia, Wisconsin, and Wyoming", "min_credit": 500, "min_credit_src": "https://www.unlock.com/how-it-works/", "max_cltv_pct": null, "min_amount": 15000, "min_amount_src": "https://www.unlock.com/how-it-works/", "max_amount": 500000, "max_amount_src": "https://www.unlock.com/faq/", "min_home_value": 175000, "min_home_value_src": "https://www.unlock.com/how-it-works/", "affiliate_brand": "Unlock", "notes": "You'll pay a fee equal to 4.9% of the lump sum you receive. Third-party: home appraisal, title and escrow fees, and recording fees. The home equity agreement term is 10 years. The Annualized Cost Limit (ACL) sets a maximum return of 19.9% per year on Unlock's investment. 500 minimum credit score; Home equity of at least 30%; Minimum property value $175K+; A minimum HEA amount of $15,000 is required. Example: $600,000 home, $60,000 cash (10%), 10 years at 3% appreciation, ending value $806,000, Unlock settlement $161,200, 'Calculated by multiplying the ending home value by the Unlock percentage' - 'The above is based on a exchange rate of 1.8'. Note: the page text reports the Unlock percentage as 17% while $161,200/$806,000 = 20%. Rechecked 2026-09-29: current what-it-costs page conflicts internally (1.8 exchange rate, 17% caption, and $161,200 on $806,000). Excluded from numerical ranking pending provider clarification.", "_checked": "2026-09-29", "unconfirmed": [ "max_cltv_pct", "third_party_fees_low", "third_party_fees_high" ], "origination_fee_pct": 4.9, "origination_fee_is_up_to": false, "third_party_fees_low": null, "third_party_fees_high": null, "term_years": 10, "hei_model": "share_of_value", "value_multiplier": 1.8, "appreciation_share_pct": null, "starting_value_discount_pct": null, "cap_apr_pct": 19.9, "example_home_value": 600000, "example_cash": 60000, "example_years": 10, "example_future_value": 806000, "example_payoff": 161200, "example_src": "https://www.unlock.com/what-it-costs/", "states_count_src": "https://www.unlock.com/faq/", "origination_fee_min": null, "model_conflict": "The current What It Costs page states a 1.8 exchange rate, but its displayed $161,200 share of an $806,000 ending value is 20%, while its caption says 17%; no single reusable share can be verified." }, { "key": "unison-hei", "brand": "Unison", "product": "Unison Equity Sharing Agreement", "category": "hei", "market": "US", "provider_url": "https://www.unison.com/", "terms_url": "https://contentimages.o-prod.unison.com/images/downloads/Unison_HomeOwner_Program_Guide.pdf", "parent_company": "Real Estate Equity Exchange, Inc. d/b/a Unison", "parent_src": "https://www.unison.com/how-it-works", "price_published": true, "price_visibility": "published", "states_count": null, "states_note": null, "min_credit": null, "max_cltv_pct": null, "min_amount": 30000, "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "Program Guide (May 2023): one-time transaction fee equaling 3.9% of the Initial Payment due to Unison at closing. Appraisal fees generally range from $450 to $1250, inspection costs range from $650 to $1,050 and settlement costs range from $700 to $1,750 (third_party_fees_low/high = sum of the three lows / highs). Investor percentage = 'multiplying the percentage of your home's value you are receiving today by four'; minimum 20%, maximum 60%. Minimum investment size is $30,000; maximum initial payment is $500,000 or 15% of your home's value - whichever is lower. Maximum of 30 years. Example: home value $500,000, initial payment $50,000 (10%), investor percentage 40%, sale after 10 years $575,000, change in value $100,000, Unison's share $40,000, payment to Unison $90,000. '5% risk adjustment to your home's independently appraised value' (https://www.unison.com/equity-sharing-agreement). FAQ answers (states, credit) were not readable. Rechecked 2026-09-29 against the official published source; the modeled core terms remained as recorded. Individual terms still depend on offer and eligibility.", "_checked": "2026-09-29", "unconfirmed": [ "states_count", "states_note", "min_credit", "max_cltv_pct", "min_home_value", "cap_apr_pct" ], "origination_fee_pct": 3.9, "origination_fee_is_up_to": false, "third_party_fees_low": 1800, "third_party_fees_high": 4050, "term_years": 30, "hei_model": "principal_plus_appreciation", "value_multiplier": null, "appreciation_share_pct": 40, "starting_value_discount_pct": 5, "cap_apr_pct": null, "example_home_value": 500000, "example_cash": 50000, "example_years": 10, "example_future_value": 575000, "example_payoff": 90000, "example_src": "https://contentimages.o-prod.unison.com/images/downloads/Unison_HomeOwner_Program_Guide.pdf", "starting_value_discount_pct_src": "https://www.unison.com/equity-sharing-agreement", "origination_fee_min": null }, { "key": "splitero-hei", "brand": "Splitero", "product": "Splitero Home Equity Investment", "category": "hei", "market": "US", "provider_url": "https://www.splitero.com/", "terms_url": "https://www.splitero.com/pricing", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": null, "min_credit": 500, "min_credit_src": "https://www.splitero.com/eligibility", "max_cltv_pct": null, "min_amount": null, "max_amount": null, "min_home_value": 200000, "min_home_value_src": "https://www.splitero.com/eligibility", "affiliate_brand": "Splitero", "notes": "Read in the requester's Chrome (page is script-rendered). 'You can get up to 25% of your Initial Appraised Value, less origination fees and costs, in exchange for a share of your home's future value.' 'Split Percentage: the percentage of home equity, determined at origination, that Splitero shares when you repurchase.' '17.99% Annual Rate, Compounded Monthly - Safety Cap protects your repurchase amount.' 5-year example: Initial Appraised Value $1,000,000; Splitero's Investment and Cash to Homeowner $100,000 (10%), less origination fees and costs; Estimated Repurchase Home Value $1,200,000; Estimated Repurchase Amount $240,000 = 20% Split Percentage or the Safety Cap, whichever is less. 'Your term runs as long as your senior mortgage.' Eligibility page: 500 minimum credit score; home value at least $200,000. Origination fee amount not stated on the pricing page. Rechecked 2026-09-29: Splitero official article says 5% origination fee and third-party appraisal/title fees typically 3-5% of cash; the latter remain omitted from the model because the amount varies.", "_checked": "2026-09-29", "unconfirmed": [ "appreciation_share_pct", "max_amount", "max_cltv_pct", "min_amount", "parent_company", "starting_value_discount_pct", "states_count", "states_note", "term_years", "third_party_fees_high", "third_party_fees_low" ], "origination_fee_pct": 5.0, "origination_fee_is_up_to": false, "third_party_fees_low": null, "third_party_fees_high": null, "term_years": null, "hei_model": "share_of_value", "value_multiplier": 2.0, "appreciation_share_pct": null, "starting_value_discount_pct": null, "cap_apr_pct": 17.99, "example_home_value": 1000000, "example_cash": 100000, "example_years": 5, "example_future_value": 1200000, "example_payoff": 240000, "example_src": "https://www.splitero.com/pricing", "origination_fee_min": null, "origination_fee_src": "https://www.splitero.com/blog/home-equity-investment-myths-debunked" }, { "key": "aspire-hei", "brand": "Aspire", "product": "Aspire Home Equity Investment", "category": "hei", "market": "US", "provider_url": "https://www.aspirehei.com/", "terms_url": "https://www.aspirehei.com/faq", "parent_company": "Redwood Trust, Inc.", "parent_src": "https://www.aspirehei.com/", "price_published": true, "price_visibility": "published", "states_count": 12, "states_note": "We are currently working with homeowners in the following states: Arizona, California, Colorado, Florida, Nevada, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia and the District of Columbia.", "min_credit": 660, "max_cltv_pct": null, "min_amount": 35000, "max_amount": 250000, "min_home_value": null, "affiliate_brand": null, "notes": "Aspire will deduct a 3% processing fee and third-party closing costs from your funding amount. Aspire determines its share by taking the Initial Cash Payment (expressed as a percentage of your home's appraised value at that time) and multiplying the percentage by 3.25. If you were to access $50k on a home with an appraised value of $500k, that would be equal to 10% of the home's value. That 10% is multiplied by 3.25 to determine Aspire's share - in this example, Aspire's share would be 32.5% of the property's change in value. The amount due to Aspire is limited to a maximum annual return (compounding monthly) of 12% if the agreement terminates in the first 3 years, up to a maximum of 18% if the agreement terminates in year 4 or later (cap_apr_pct records the year-4+ value). 15-year term; 660 Credit Score Minimum; Minimum investment amount of $35k and a maximum amount of $250K; up to 15% of the appraised value. Example lacks future value / payoff so example_* left null. Administered by Aspire RWT, LLC, owned by Redwood Trust, Inc. Rechecked 2026-09-29: Current official FAQ could not be retrieved for a new check; the published appreciation share and cap cannot be reverified.", "_checked": "2026-08-25", "unconfirmed": [ "max_cltv_pct", "min_home_value", "third_party_fees_low", "third_party_fees_high", "starting_value_discount_pct" ], "origination_fee_pct": 3, "origination_fee_is_up_to": false, "third_party_fees_low": null, "third_party_fees_high": null, "term_years": 15, "hei_model": "principal_plus_appreciation", "value_multiplier": null, "appreciation_share_pct": 32.5, "starting_value_discount_pct": null, "cap_apr_pct": 18, "example_home_value": null, "example_cash": null, "example_years": null, "example_future_value": null, "example_payoff": null, "example_src": null, "origination_fee_min": null, "model_conflict": "Current official FAQ could not be retrieved for a new check; the published appreciation share and cap cannot be reverified." }, { "key": "rocket-hel", "brand": "Rocket Mortgage", "product": "Rocket Mortgage Home Equity Loan", "category": "hel", "market": "US", "provider_url": "https://www.rocketmortgage.com/", "terms_url": "https://www.rocketmortgage.com/home-loans/home-equity-loan", "parent_company": "Rocket Companies, Inc.", "parent_src": "https://www.rocketmortgage.com/home-loans/home-equity-loan", "price_published": false, "price_visibility": "quote_only", "states_count": null, "states_note": null, "min_credit": 680, "max_cltv_pct": 90, "min_amount": 45000, "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "$45,000-$500,000 (minimum loan amount for properties located in Michigan is $10,000.00). 680 minimum FICO with a max LTV/CLTV/HCLTV of 80%, 700 minimum FICO with a max LTV/CLTV/HCLTV of 85%, and 740 minimum FICO with a max LTV/CLTV/HCLTV of 90%. Fixed interest rate. No APR, fees, terms or closing costs published on the page. 'Rocket Limited Partnership and Redfin Corporation are wholly owned subsidiaries of Rocket Companies, Inc.'", "_checked": "2026-08-25", "unconfirmed": [ "states_count", "states_note", "min_home_value", "apr_low", "apr_high", "apr_note", "origination_fee_pct", "origination_fee_flat", "annual_fee", "closing_costs", "prepay_penalty_note", "prepay_penalty_months", "prepay_penalty_amount", "term_years", "term_options" ], "apr_low": null, "apr_high": null, "apr_is_floor": false, "apr_note": null, "rate_type": "fixed", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": null, "closing_costs": null, "closing_costs_note": null, "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null }, { "key": "springeq-hel", "brand": "Spring EQ", "product": "Spring EQ Home Equity Loan", "category": "hel", "market": "US", "provider_url": "https://www.springeq.com/", "terms_url": "https://www.springeq.com/home-equity-loan/", "parent_company": "Spring EQ, LLC", "parent_src": "https://www.springeq.com/home-equity-loan/", "price_published": false, "price_visibility": "quote_only", "states_count": null, "states_note": null, "min_credit": 640, "max_cltv_pct": 90, "min_amount": 50000, "max_amount": 500000, "min_home_value": null, "affiliate_brand": "Spring EQ", "notes": "Borrow up to 90% of your home's value, with loan amounts from $50,000 to $500,000. Qualify With As Low As a 640 FICO. Terms 10 to 30 years. There is a lender fee but no annual fee. No prepayment penalties. Funds in as few as 11 days. No APR or lender-fee amount published on the page (calculator/quote only). Spring EQ, LLC, NMLS 1464945.", "_checked": "2026-08-25", "unconfirmed": [ "states_count", "states_note", "min_home_value", "apr_low", "apr_high", "apr_note", "origination_fee_pct", "origination_fee_flat", "closing_costs" ], "apr_low": null, "apr_high": null, "apr_is_floor": false, "apr_note": null, "rate_type": "fixed", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": 0, "closing_costs": null, "closing_costs_note": "There is a lender fee but no annual fee", "prepay_penalty_note": "None", "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": 30, "term_options": [ 10, 15, 20, 25, 30 ], "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null }, { "key": "navyfederal-hel", "brand": "Navy Federal Credit Union", "product": "Navy Federal Fixed-Rate Home Equity Loan", "category": "hel", "market": "US", "provider_url": "https://www.navyfederal.org/", "terms_url": "https://www.navyfederal.org/loans-cards/equity/home-equity-rates.html", "parent_company": "Independent", "parent_src": "https://www.navyfederal.org/", "price_published": true, "price_visibility": "published", "states_count": null, "states_note": null, "min_credit": null, "max_cltv_pct": 100, "min_amount": 10000, "min_amount_src": "https://www.navyfederal.org/loans-cards/equity/fixed-rate.html", "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "Fixed Equity 5 Years as low as 7.340%; 10 Years 7.650%; 15 Years 7.950%; 20 Years 8.350% APR; max loan $500,000. Rates assume a 750 FICO, primary residence, and a 70% maximum HLTV. Navy Federal will pay for all closing costs on fixed-rate equity loan applications (typical member costs $300-$2,000 for loans up to $250,000). No pre-payment penalties. $10,000 - $500,000; up to 100% of your home's equity. Membership (military affiliation) required. Rechecked 2026-09-29: The 7.34% advertised APR is for the 5-year loan; this row models the 20-year term, published at 8.35% APR.", "_checked": "2026-09-29", "unconfirmed": [ "states_count", "states_note", "min_credit", "min_home_value" ], "apr_low": 8.35, "apr_high": 8.35, "apr_is_floor": true, "apr_note": "Fixed Equity 5 Years APR as low as 7.340% (20 Years 8.350%); rates assume a 750 FICO, primary residence, and a 70% maximum HLTV.", "rate_type": "fixed", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": 0, "annual_fee": 0, "closing_costs": 0, "closing_costs_note": "Navy Federal will pay for all closing costs on fixed-rate equity loan applications.", "prepay_penalty_note": "None", "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": 20, "term_options": [ 5, 10, 15, 20 ], "full_draw_required": null, "interest_only_draw": null, "max_cltv_pct_src": "https://www.navyfederal.org/loans-cards/equity/fixed-rate.html", "origination_fee_min": null, "apr_low_src": "https://www.navyfederal.org/loans-cards/equity/home-equity-rates.html" }, { "key": "penfed-hel", "brand": "PenFed Credit Union", "product": "PenFed Home Equity Loan", "category": "hel", "market": "US", "provider_url": "https://www.penfed.org/", "terms_url": "https://www.penfed.org/mortgage/heloc", "parent_company": "Independent", "parent_src": "https://www.penfed.org/", "price_published": false, "price_visibility": "quote_only", "states_count": null, "states_note": null, "min_credit": null, "max_cltv_pct": null, "min_amount": null, "max_amount": null, "min_home_value": null, "affiliate_brand": null, "notes": "No standalone closed-end home equity loan is shown on penfed.org (URL https://www.penfed.org/home-equity/home-equity-loan returned 404). PenFed's site offers a HELOC with Fixed Rate Advances: 'you may choose to have three separate Fixed Rate Advances locked in at any one time' - minimum $10,000, 240 months, APR 'shall not exceed 18% and shall be equal to or greater than 6.750%'. FAQ article: 'not all lenders offer home equity loans as an option'.", "_checked": "2026-08-25", "unconfirmed": [ "states_count", "states_note", "min_credit", "max_cltv_pct", "min_amount", "max_amount", "min_home_value", "apr_low", "apr_high", "apr_note", "rate_type", "origination_fee_pct", "origination_fee_flat", "annual_fee", "closing_costs", "prepay_penalty_note", "prepay_penalty_months", "prepay_penalty_amount", "term_years", "term_options" ], "apr_low": null, "apr_high": null, "apr_is_floor": false, "apr_note": null, "rate_type": null, "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": null, "closing_costs": null, "closing_costs_note": null, "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null }, { "key": "regions-hel", "brand": "Regions Bank", "product": "Regions Home Equity Loan (HELOAN)", "category": "hel", "market": "US", "provider_url": "https://www.regions.com/", "terms_url": "https://www.regions.com/personal-banking/home-equity/home-equity-loan", "parent_company": "Regions Financial Corporation", "parent_src": "https://www.regions.com/", "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "Property to be used as collateral must be a primary or secondary residence; be located in a state where Regions has retail branches; and have at least $10,000 equity", "min_credit": null, "max_cltv_pct": 89, "min_amount": 10000, "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "Home Equity Loan Annual Percentage Rates (APRs) currently range from 6.75-13.75%, depending on several factors, including occupancy type, lien position, credit score/history, LTV ratio, and loan term. Example: $50,000 loan, 10-year term, 6.75% APR, 120 monthly payments of $574.12. Bank pays all closing costs. $10,000 - $500,000. Up to 89% loan-to-value (first mortgage/primary residence 89%; second mortgage/primary residence 85%; secondary residence 80%; Texas 80%). Terms 10, 15 or 20 years. Late fee 5% of the payment amount ($29 minimum, $100 maximum). No prepayment penalty wording found. Rechecked 2026-09-29 against the official published source; the modeled core terms remained as recorded. Individual terms still depend on offer and eligibility.", "_checked": "2026-09-29", "unconfirmed": [ "states_count", "min_credit", "min_home_value", "prepay_penalty_note", "prepay_penalty_months", "prepay_penalty_amount" ], "apr_low": 6.75, "apr_high": 13.75, "apr_is_floor": true, "apr_note": "Home Equity Loan Annual Percentage Rates (APRs) currently range from 6.75-13.75%, depending on several factors, including occupancy type, lien position, credit score/history, LTV ratio, and loan term.", "rate_type": "fixed", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": 0, "annual_fee": null, "closing_costs": 0, "closing_costs_note": "Bank pays all closing costs", "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": 20, "term_options": [ 10, 15, 20 ], "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null }, { "key": "usbank-hel", "brand": "U.S. Bank", "product": "U.S. Bank Home Equity Loan", "category": "hel", "market": "US", "provider_url": "https://www.usbank.com/", "terms_url": "https://www.usbank.com/home-loans/home-equity/home-equity-loan.html", "parent_company": "U.S. Bancorp", "parent_src": "https://www.usbank.com/", "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "Not available for properties held in a trust in the states of Hawaii, Louisiana, New York, Oklahoma and Rhode Island.", "min_credit": 660, "max_cltv_pct": 80, "min_amount": null, "max_amount": null, "min_home_value": null, "affiliate_brand": null, "notes": "As of August 21, 2026, the fixed Annual Percentage Rate (APR) of 7.15% is available for 10-year second position home equity installment loans $50,000 to $99,999 with loan-to-value (LTV) of 60% or less. In order to receive the lowest rate advertised, a set-up of automatic payments from a U.S. Bank Consumer checking or savings account is required. Minimum FICO score of 660 to qualify (730+ for advertised rate). No. Home equity loans do not have closing costs. Home equity loans have terms up to 30 years. Typically borrow up to 80% of the equity in your home. No early-closure/prepayment fee wording found. Rechecked 2026-09-29: current September 21 disclosure lists 7.40% APR for a 10-year, $50,000-$99,999 second-lien loan at <=60% LTV with autopay; rate and term are modeled together.", "_checked": "2026-09-29", "unconfirmed": [ "states_count", "min_amount", "max_amount", "min_home_value", "annual_fee", "prepay_penalty_note", "prepay_penalty_months", "prepay_penalty_amount", "term_options" ], "apr_low": 7.4, "apr_high": null, "apr_is_floor": true, "apr_note": "As of August 21, 2026, the fixed Annual Percentage Rate (APR) of 7.15% is available for 10-year second position home equity installment loans $50,000 to $99,999 with loan-to-value (LTV) of 60% or less; automatic payments from a U.S. Bank Consumer checking or savings account required for lowest rate.", "rate_type": "fixed", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": 0, "annual_fee": null, "closing_costs": 0, "closing_costs_note": "Home equity loans do not have closing costs.", "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": 10, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null, "apr_low_src": "https://www.usbank.com/home-loans/home-equity/home-equity-loan.html" }, { "key": "tdbank-hel", "brand": "TD Bank", "product": "TD Bank Home Equity Loan", "category": "hel", "market": "US", "provider_url": "https://www.td.com/us/en/personal-banking", "terms_url": "https://www.td.com/us/en/personal-banking/home-equity/he-loan/heloan-rates", "parent_company": "TD Bank, N.A.", "parent_src": "https://www.td.com/us/en/personal-banking/home-equity/he-loan", "price_published": false, "price_visibility": "not_readable", "states_count": null, "states_note": "Rates may vary by state, and are based on the state in which the collateral property is located.", "min_credit": null, "max_cltv_pct": null, "min_amount": 10000, "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "APR figures are rendered by script and were not readable at https://www.td.com/us/en/personal-banking/home-equity/he-loan/heloan-rates ('APRs for Home Equity Loans range from % to %. The APR will not exceed 18%'). Rate shown includes discount of 0.25% requiring Automatic Payment Deduction from a TD Bank personal checking or savings account. Loan terms can range from 5 years to 30 years. Origination fee $99, assessed as a finance charge, at closing. $10,000 minimum loan amount; Offer valid on loan amounts up to $500,000. Closing costs on lines/loans greater than $500,000 and all coops and investment properties. Third Party Discharge Recording Fee of $0-$600 or higher, assessed when paying off and closing a secured loan.", "_checked": "2026-08-25", "unconfirmed": [ "states_count", "min_credit", "max_cltv_pct", "min_home_value", "apr_low", "apr_high", "annual_fee", "prepay_penalty_note", "prepay_penalty_months", "prepay_penalty_amount" ], "apr_low": null, "apr_high": null, "apr_is_floor": true, "apr_note": "APRs for Home Equity Loans range from % to %. The APR will not exceed 18%. Rate shown includes discount of 0.25% requiring Automatic Payment Deduction from a TD Bank personal checking or savings account.", "rate_type": "fixed", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": 99, "annual_fee": null, "closing_costs": 0, "closing_costs_note": "Closing costs on lines/loans greater than $500,000 and all coops and investment properties (none stated for loans up to $500,000 other than the $99 origination fee).", "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": 30, "term_options": [ 5, 10, 15, 20, 30 ], "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null }, { "key": "truist-hel", "brand": "Truist", "product": "Truist Home Equity Loan", "category": "hel", "market": "US", "provider_url": "https://www.truist.com/", "terms_url": "https://www.truist.com/loans/home-equity-loan", "parent_company": "Truist Financial Corporation", "parent_src": "https://www.truist.com/", "price_published": false, "price_visibility": "quote_only", "states_count": null, "states_note": "Products not available in certain states", "min_credit": null, "max_cltv_pct": null, "min_amount": null, "max_amount": null, "min_home_value": null, "affiliate_brand": null, "notes": "Fixed rates; Know exactly what you'll pay each month. Terms 5 to 30 years. We pay the closing costs on your behalf. Subject to max loan-to-value (LTV) and total combined loan-to-value ratios (no % stated). Must have an existing mortgage on your property to qualify. No APR figure published on the page.", "_checked": "2026-08-25", "unconfirmed": [ "states_count", "min_credit", "max_cltv_pct", "min_amount", "max_amount", "min_home_value", "apr_low", "apr_high", "apr_note", "origination_fee_pct", "origination_fee_flat", "annual_fee", "prepay_penalty_note", "prepay_penalty_months", "prepay_penalty_amount" ], "apr_low": null, "apr_high": null, "apr_is_floor": false, "apr_note": null, "rate_type": "fixed", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": null, "closing_costs": 0, "closing_costs_note": "We pay the closing costs on your behalf", "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": 30, "term_options": [ 5, 10, 15, 20, 30 ], "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null }, { "key": "keybank-hel", "brand": "KeyBank", "product": "KeyBank Home Equity Loan", "category": "hel", "market": "US", "provider_url": "https://www.key.com/", "terms_url": "https://www.key.com/personal/promo/home-loans-lines/home-equity-loan.html", "parent_company": "KeyCorp", "parent_src": "https://www.key.com/", "price_published": false, "price_visibility": "quote_only", "states_count": null, "states_note": "Not all home lending products are available in all states", "min_credit": null, "max_cltv_pct": null, "min_amount": null, "max_amount": null, "min_home_value": null, "affiliate_brand": null, "notes": "Current home equity loan page (https://www.key.com/personal/home-loans-lines/home-equity-loan.html) shows only HELOC content ($10,000 to $500,000, up to 80% CLTV, 0.25% interest rate discount). The promo page carries a stale disclosure dated December 10, 2021: 'If you borrow $50,000 secured by an owner-occupied home, for 180 months at 3.22% APR, the monthly payment would be $350.72' - not treated as a current published rate. Same page: origination fee $295 (owner-occupied) / $295 plus 1% of the loan amount (non-owner occupied); 'If you voluntarily prepay your loan in full and terminate your account within 36 months after you sign the note, you will reimburse Key for bona fide fees it paid to third parties on your behalf'.", "_checked": "2026-08-25", "unconfirmed": [ "states_count", "min_credit", "max_cltv_pct", "min_amount", "max_amount", "min_home_value", "apr_low", "apr_high", "annual_fee", "closing_costs", "prepay_penalty_amount", "term_years", "term_options" ], "apr_low": null, "apr_high": null, "apr_is_floor": false, "apr_note": "Only a December 10, 2021 example (3.22% APR, 180 months, $50,000, LTV 80% or less) appears; no current APR published.", "rate_type": "fixed", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": 295, "annual_fee": null, "closing_costs": null, "closing_costs_note": "For LTV >80%: $100 to $3,070; title insurance premium ($12.50-$2,859) for loans >$500,000; NY and FL may require mortgage tax and documentary stamps (promo page dated 2021).", "prepay_penalty_note": "If you voluntarily prepay your loan in full and terminate your account within 36 months after you sign the note, you will reimburse Key for bona fide fees it paid to third parties on your behalf in connection with the opening of your account.", "prepay_penalty_months": 36, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null }, { "key": "figure-heloc", "brand": "Figure", "product": "Figure Home Equity Line", "category": "heloc", "market": "US", "provider_url": "https://www.figure.com/", "terms_url": "https://www.figure.com/blog/how-a-figure-home-equity-line-works/", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": null, "min_credit": null, "max_cltv_pct": null, "min_amount": null, "max_amount": 750000, "min_home_value": null, "affiliate_brand": null, "notes": "The origination fee on a Figure Home Equity Line ranges from 0 to 4.99 percent, depending on your credit score and the state where your property is located. Borrowers receive the entire loan amount less the origination fee at the time of origination. Figure offers both fixed and variable options. Product pages (/home-equity-line/, footer disclosures) are script-rendered and could not be read; term options, draw period, APR conditions and states unread. Rechecked 2026-09-29: Figure offers fixed and variable rate options with different draw and repayment structures; the published article does not establish this model’s 10-year interest-only schedule at the stated APR.", "_checked": "2026-09-29", "unconfirmed": [ "apr_high", "term_options", "draw_years", "repay_years", "states_count", "parent_company", "min_credit", "max_cltv_pct", "min_amount", "min_home_value", "origination_fee_flat", "closing_costs" ], "apr_low": 6.75, "apr_high": null, "apr_is_floor": true, "apr_note": "Rates as low as 6.75% APR! (homepage; qualifying conditions in footer disclosure could not be read)", "rate_type": "both", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": 4.99, "origination_fee_is_up_to": true, "origination_fee_flat": null, "annual_fee": 0, "closing_costs": null, "closing_costs_note": "Figure does not charge application fees, credit report pull fees, title search or recording fees, annual fees, inactivity or early closure fees; recording fees (vary by county) and subordination fee may apply (blog).", "prepay_penalty_note": "None (no early closure fees)", "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": true, "interest_only_draw": false, "max_amount_src": "https://www.figure.com/", "apr_low_src": "https://www.figure.com/", "annual_fee_src": "https://www.figure.com/blog/are-there-closing-costs-on-a-heloc/", "prepay_penalty_note_src": "https://www.figure.com/blog/are-there-closing-costs-on-a-heloc/", "origination_fee_min": null, "model_conflict": "Figure offers fixed and variable rate options with different draw and repayment structures; the published article does not establish the assumed 10-year interest-only schedule at the stated APR." }, { "key": "aven-heloc", "brand": "Aven", "product": "Aven Home Equity Visa Card", "category": "heloc", "market": "US", "provider_url": "https://www.aven.com/", "terms_url": "https://www.aven.com/home-equity-visa-card", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": null, "min_credit": null, "max_cltv_pct": null, "min_amount": null, "max_amount": null, "min_home_value": null, "affiliate_brand": null, "notes": "Page could not be read: https://www.aven.com/home-equity-visa-card, https://www.aven.com/disclosures/, https://www.aven.com/ all returned only 'We're sorry but Aven doesn't work properly without JavaScript enabled.' Read in the requester's Chrome 2026-08-25 (aven.com): 'variable rate revolving line of credit ... based on the prime rate published by the Wall Street Journal ... plus a margin'; 'The Index as of Jan 9th, 2026 EST was 6.75%. The APR will not exceed 14.99%'; 'For cash outs and balance transfers, there is a 1% fee on the amount transferred.' The lowest APR is not printed in the page text.", "_checked": "2026-08-25", "unconfirmed": [ "annual_fee", "apr_low", "closing_costs", "draw_years", "full_draw_required", "interest_only_draw", "intro_apr", "max_amount", "max_cltv_pct", "min_amount", "min_credit", "min_home_value", "origination_fee_flat", "parent_company", "prepay_penalty_note", "repay_years", "states_count" ], "apr_low": null, "apr_high": 14.99, "apr_is_floor": false, "apr_note": null, "rate_type": "variable", "rate_index": "Prime", "intro_apr": null, "intro_months": null, "origination_fee_pct": 1.0, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": null, "closing_costs": null, "closing_costs_note": null, "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null }, { "key": "bank-of-america-heloc", "brand": "Bank of America", "product": "Bank of America Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.bankofamerica.com/", "terms_url": "https://www.bankofamerica.com/home-equity/", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": null, "min_credit": 660, "max_cltv_pct": 85, "min_amount": null, "max_amount": null, "min_home_value": null, "affiliate_brand": null, "notes": "no application fees, no closing costs and no annual fee (on lines of credit up to $1,000,000); minimum credit score of 660+; up to 85% of the value of your home minus the amount you still owe; borrowing period usually 10 years, typically 20 years for repayment. Rechecked 2026-09-29: Current official page renders the APR with client-side placeholders and describes its sample as a $100,000 line; a current rate for the $50,000 scenario cannot be verified from readable published text.", "_checked": "2026-08-25", "unconfirmed": [ "prepay_penalty_note", "min_amount", "max_amount", "interest_only_draw", "states_count", "parent_company", "min_home_value", "origination_fee_flat", "full_draw_required" ], "apr_low": 8.275, "apr_high": null, "apr_is_floor": false, "apr_note": "5.740% introductory variable APR for 6 months, then 8.275% variable APR; based on rates as of 8/12/2026, assumes a $100,000 line of credit with automatic payment discount (0.125%) and initial withdrawal of $60,000 (0.600%); rate shown for default location on page", "rate_type": "variable", "rate_index": "Wall Street Journal Prime Rate", "intro_apr": 5.74, "intro_months": 6, "origination_fee_pct": 0, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": 0, "closing_costs": 0, "closing_costs_note": "No application fees, no closing costs and no annual fee (on lines of credit up to $1,000,000)", "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": 10, "repay_years": 20, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null, "model_conflict": "Current official page renders the APR with client-side placeholders and describes its sample as a $100,000 line; a current rate for the $50,000 scenario cannot be verified from readable published text." }, { "key": "penfed-heloc", "brand": "PenFed Credit Union", "product": "PenFed Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.penfed.org/", "terms_url": "https://www.penfed.org/mortgage/heloc", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": null, "min_credit": null, "max_cltv_pct": 85, "min_amount": 25000, "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "An annual fee of $99 will be assessed on each account anniversary. Draw Period of 10 years, followed by a repayment period of 20 years. Minimum $25,000 (owner-occupied/second home; $4,000 in Texas), maximum $500,000. Maximum CLTV 85% (80% Texas, condos). Rechecked 2026-09-29: Current product page does not expose the 6.75% APR in readable published text; the rate cannot be reverified for this scenario.", "_checked": "2026-08-25", "unconfirmed": [ "prepay_penalty_note", "min_credit", "interest_only_draw", "states_count", "parent_company", "min_home_value", "origination_fee_pct", "origination_fee_flat", "full_draw_required" ], "apr_low": 6.75, "apr_high": 18, "apr_is_floor": true, "apr_note": "Rates as low as 6.75%. Prime Rate is 6.750% as of December 12, 2025. The APR for this Home Equity Line of Credit (HELOC) is based on prime plus a margin and can change monthly. Fixed Rate Advances between 6.750% and 18% maximum.", "rate_type": "variable", "rate_index": "Prime", "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": 99, "closing_costs": 0, "closing_costs_note": "PenFed will pay most closing costs associated with a HELOC (credit report, flood certification, settlement/closing, title search, recording); member pays appraisal if required and certain state taxes in FL, LA, MD, MN, NY, TN, VA. Closing costs range between $500 and $8,500 for credit lines of $500,000.", "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": 10, "repay_years": 20, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null, "model_conflict": "Current product page does not expose the 6.75% APR in readable published text; the rate cannot be reverified for this scenario." }, { "key": "navy-federal-heloc", "brand": "Navy Federal Credit Union", "product": "Navy Federal Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.navyfederal.org/", "terms_url": "https://www.navyfederal.org/loans-cards/equity/heloc.html", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "HELOC loans are not available in Texas.", "min_credit": null, "max_cltv_pct": 95, "min_amount": 10000, "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "No application, origination, annual or inactivity fee. 20-year draw period, followed by 20-year repayment period. $10,000 - $500,000. Borrow up to 95% of your home's equity. Interest-only HELOC option available at 8.000% APR (max $250,000). Rechecked 2026-09-29: The published 7.00% APR is for the standard HELOC; the interest-only option used by this model starts at 8.00% APR.", "_checked": "2026-09-29", "unconfirmed": [ "prepay_penalty_note", "min_credit", "states_count", "parent_company", "min_home_value", "origination_fee_flat", "full_draw_required" ], "apr_low": 8.0, "apr_high": 18, "apr_is_floor": true, "apr_note": "Rates as low as 7.000% APR and 8.000% for interest-only assume a 750 FICO, primary residence, and a 70% maximum HLTV. A HELOC has a minimum APR of 3.99% and a maximum APR of 18%.", "rate_type": "variable", "rate_index": "U.S. Prime Rate", "intro_apr": null, "intro_months": null, "origination_fee_pct": 0, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": 0, "closing_costs": 0, "closing_costs_note": "Navy Federal will pay for all closing costs on HELOC applications. Member responsible for prepaid interest and escrow payments for first-lien HELOCs.", "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": 20, "repay_years": 20, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": false, "origination_fee_min": null, "apr_low_src": "https://www.navyfederal.org/loans-cards/equity/heloc.html" }, { "key": "fourleaf-heloc", "brand": "FourLeaf Federal Credit Union", "product": "FourLeaf Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.fourleaffcu.com/", "terms_url": "https://www.fourleaffcu.com/home-equity-line-of-credit/", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "Home loans are not available in Texas.", "min_credit": 720, "max_cltv_pct": 75, "min_amount": null, "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "5.99% APR Fixed intro rate for 12 months; as low as 6.75% Variable APR thereafter. Intro rate requires maximum CLTV of 75%, minimum VantageScore 4.0 credit score of 720, an initial draw of at least $25,000. During the draw period payments are based only on the interest due on the variable amount you've borrowed. Rechecked 2026-09-29: the current provider page states standard variable APR as low as 7.00%; its displayed effective date remains a placeholder, so this is a page observation rather than a dated rate quote.", "_checked": "2026-09-29", "unconfirmed": [ "annual_fee", "min_amount", "states_count", "parent_company", "min_home_value", "origination_fee_pct", "origination_fee_flat", "full_draw_required" ], "apr_low": 7.0, "apr_high": 18, "apr_is_floor": true, "apr_note": "as low as 6.75% Variable APR; requires maximum Combined Loan-to-Value (CLTV) of 65%, minimum VantageScore 4.0 credit score of 720, initial draw of at least $25,000 maintained for 12 months, and automatic payments from FourLeaf checking/savings. Minimum APR 3.25%, maximum 18%.", "rate_type": "variable", "rate_index": "U.S. Prime Rate as published in the Wall Street Journal, plus a margin", "intro_apr": 5.99, "intro_months": 12, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": null, "closing_costs": 0, "closing_costs_note": "FourLeaf will pay closing costs for first $500,000 but must be repaid if closed within 36 months. Fees generally range $500-$15,000 depending on line amount, property value, location, property type.", "prepay_penalty_note": "Closing costs paid by FourLeaf must be repaid if the line is closed within 36 months.", "prepay_penalty_months": 36, "prepay_penalty_amount": 15000, "draw_years": 10, "repay_years": 20, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": true, "origination_fee_min": null, "apr_low_src": "https://www.fourleaffcu.com/home-equity-line-of-credit/" }, { "key": "third-federal-heloc", "brand": "Third Federal Savings & Loan", "product": "Third Federal Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.thirdfederal.com/", "terms_url": "https://www.thirdfederal.com/home-equity/home-equity-lines-of-credit", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": 29, "states_note": "AZ, CA, CO, CT, DC, FL, GA, IA, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NH, NJ, NY, OH, OR, PA, SC, TN, VA, WA, WI", "min_credit": null, "max_cltv_pct": 80, "min_amount": 10000, "max_amount": 300000, "min_home_value": null, "affiliate_brand": null, "notes": "No closing costs or prepayment penalties. No minimum balance or initial draw required. Funds are available for up to 10 years; 30-year total repayment period. Disclosures page: Annual fee is $275. Minimum loan amount $10,000. Maximum loan amount $300,000. Borrow up to 80% of the equity in your home. Rechecked 2026-09-29: Current Cuyahoga County, Ohio HELOC APR on 2026-09-29 is 6.49%; geography matters.", "_checked": "2026-09-29", "unconfirmed": [ "min_credit", "interest_only_draw", "origination_fee_pct", "parent_company", "min_home_value", "origination_fee_flat" ], "apr_low": 6.49, "apr_high": 18, "apr_is_floor": false, "apr_note": "Variable APR Prime - .51%; 6.240% APR as of August 25, 2026 for Franklin County, Ohio (rate shown by county selector). No teaser or introductory rates. The rate you see is the rate you get. Maximum APR 18%.", "rate_type": "variable", "rate_index": "Prime", "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": 275, "closing_costs": 0, "closing_costs_note": "No closing costs", "prepay_penalty_note": "None (no prepayment penalties)", "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": 10, "repay_years": 20, "term_years": null, "term_options": null, "full_draw_required": false, "interest_only_draw": null, "states_count_src": "https://www.thirdfederal.com/disclosures", "min_amount_src": "https://www.thirdfederal.com/disclosures", "max_amount_src": "https://www.thirdfederal.com/disclosures", "annual_fee_src": "https://www.thirdfederal.com/disclosures", "origination_fee_min": null, "apr_low_src": "https://www.thirdfederal.com/home-equity/home-equity-lines-of-credit" }, { "key": "citizens-heloc", "brand": "Citizens", "product": "Citizens Home Equity Line of Credit (Citizens FastLine)", "category": "heloc", "market": "US", "provider_url": "https://www.citizensbank.com/", "terms_url": "https://www.citizensbank.com/home-equity-loans/home-equity-line-of-credit-heloc.aspx", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": 30, "states_note": "AL, AR, CT, DC, DE, FL, GA, IA, IL, IN, KY, MA, MD, ME, MI, MN, NC, NE, NH, NJ, NY, OH, OK, PA, RI, SC, SD, TN, VA or VT", "min_credit": 680, "max_cltv_pct": 85, "min_amount": 17500, "max_amount": 2000000, "min_home_value": null, "affiliate_brand": null, "notes": "$0 to open — no application, origination, or closing fees. $50 per year thereafter during the draw period (waived first year and with qualifying Citizens account). Line amounts $17,500 - $2,000,000. 10-year draw period.", "_checked": "2026-08-25", "unconfirmed": [ "apr_low", "prepay_penalty_note", "repay_years", "interest_only_draw", "parent_company", "min_home_value", "origination_fee_flat", "full_draw_required" ], "apr_low": null, "apr_high": 21, "apr_is_floor": true, "apr_note": "Rate displayed via dynamic (ZIP) lookup and not readable; variable APR based on Wall Street Journal Prime Rate. Maximum APR 21%. Minimum APR 2.50%. Best rate requires a line amount of $200,000 or more, first lien position, LTV of 80% or less, and a Citizens consumer checking account with automatic payment deduction.", "rate_type": "variable", "rate_index": "Wall Street Journal Prime Rate", "intro_apr": null, "intro_months": null, "origination_fee_pct": 0, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": 50, "closing_costs": 0, "closing_costs_note": "$0 to open — no application, origination, or closing fees", "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": 10, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null }, { "key": "us-bank-heloc", "brand": "U.S. Bank", "product": "U.S. Bank Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.usbank.com/", "terms_url": "https://www.usbank.com/home-loans/home-equity/home-equity-line-of-credit.html", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "Not all loan programs are available in all states.", "min_credit": 660, "max_cltv_pct": null, "min_amount": null, "max_amount": null, "min_home_value": null, "affiliate_brand": null, "notes": "An annual fee of $75 will apply after the first year and is waived with an existing U.S. Bank Platinum Checking Package. Interest-only payments for those who qualify. You'll need a FICO score of 660 or higher. Rechecked 2026-09-29: Current national published APR range begins at 5.95% for qualifying $50,000+ lines, <=60% LTV, FICO 730+ and autopay; verify location-specific offer. Rechecked 2026-09-29: annual fee is waived in the first year and modeled beginning in year two.", "_checked": "2026-09-29", "unconfirmed": [ "max_cltv_pct", "min_amount", "max_amount", "draw_years", "repay_years", "interest_only_draw", "states_count", "parent_company", "min_home_value", "origination_fee_flat", "full_draw_required" ], "apr_low": 5.95, "apr_high": 10.85, "apr_is_floor": true, "apr_note": "7.20% APR to 10.85% APR as of December 11, 2025; lowest rate assumes FICO 730 or higher, 60% LTV, $50,000 minimum credit limit. Rate will never exceed 18% APR, or applicable state law, or fall below 3.25% APR.", "rate_type": "variable", "rate_index": "Prime Rate (the index) as published in the Wall Street Journal", "intro_apr": null, "intro_months": null, "origination_fee_pct": 0, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": 75, "closing_costs": 0, "closing_costs_note": "There are no application fees or closing costs", "prepay_penalty_note": "An early closure fee of 1% of the original line amount, maximum $500, will apply if the line is paid off and closed within the first 30 months.", "prepay_penalty_months": 30, "prepay_penalty_amount": 500, "draw_years": null, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null, "apr_low_src": "https://www.usbank.com/home-loans/home-equity/home-equity-line-of-credit.html", "annual_fee_start_year": 2 }, { "key": "td-bank-heloc", "brand": "TD Bank", "product": "TD Bank Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.td.com/us/en/personal-banking", "terms_url": "https://www.td.com/us/en/personal-banking/home-equity/he-line-of-credit/heloc-rates", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "Rates may vary by state, and are applicable to the state in which the collateral property is located.", "min_credit": null, "max_cltv_pct": null, "min_amount": 25000, "max_amount": null, "min_home_value": null, "affiliate_brand": null, "notes": "Origination fee $99, assessed as a finance charge, at closing. Annual fee $50, assessed after one-year anniversary (no-annual-fee option for lines $25,000-$49,999). $25,000 minimum line. If you pay interest only, you will still owe the amounts drawn and your monthly payment will increase when the interest-only period ends.", "_checked": "2026-08-25", "unconfirmed": [ "apr_low", "min_credit", "max_cltv_pct", "max_amount", "closing_costs", "draw_years", "repay_years", "interest_only_draw", "states_count", "parent_company", "min_home_value", "origination_fee_pct", "full_draw_required" ], "apr_low": null, "apr_high": 18, "apr_is_floor": true, "apr_note": "Variable APR as low as Prime % (rate table values not rendered in fetched page); 0.25% discount with TD personal checking account; APR will not exceed 18%.", "rate_type": "variable", "rate_index": "Wall Street Journal Prime Rate", "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": 99, "annual_fee": 50, "closing_costs": null, "closing_costs_note": "Closing costs on lines/loans greater than $500,000 and all coops and investment properties.", "prepay_penalty_note": "Early Termination Fee of 2% of outstanding balance with a max of $450, assessed if line is paid off and closed within 24 months from date the account is opened", "prepay_penalty_months": 24, "prepay_penalty_amount": 450, "draw_years": null, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null }, { "key": "truist-heloc", "brand": "Truist", "product": "Truist Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.truist.com/", "terms_url": "https://www.truist.com/loans/heloc", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": 19, "states_note": "AL, AR, CA, DC, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV", "min_credit": null, "max_cltv_pct": 90, "min_amount": 15000, "max_amount": 1000000, "min_home_value": null, "affiliate_brand": null, "notes": "$50 annual fee in AL, AR, CA, FL, GA, IN, KY, NJ, and OH. 10-year draw period; 20-year repayment period. $15,000 up to $1,000,000. Typically 75 to 90% of home value. Rechecked 2026-09-29: Current standard APR begins at 7.25%; the 5.24% promotional APR lasts nine months and is not modeled.", "_checked": "2026-09-29", "unconfirmed": [ "min_credit", "origination_fee_pct", "prepay_penalty_amount", "interest_only_draw", "parent_company", "min_home_value", "origination_fee_flat", "full_draw_required" ], "apr_low": 7.25, "apr_high": 13.6, "apr_is_floor": true, "apr_note": "Introductory as low as 5.24% APR for first 9 months; standard variable 7.00%-13.60% APR; fixed-rate option 6.94% APR to 14.83% APR. Prime Rate + margin.", "rate_type": "both", "rate_index": "Wall Street Journal Prime Rate", "intro_apr": 5.24, "intro_months": 9, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": 50, "closing_costs": 0, "closing_costs_note": "Bank may advance closing costs if loan <= $500,000. $15 fee for each fixed-rate/fixed-term advance.", "prepay_penalty_note": "If you close your Truist Home Equity Line of Credit within 36 months from the date of loan origination, you may be required to remit any closing costs", "prepay_penalty_months": 36, "prepay_penalty_amount": null, "draw_years": 10, "repay_years": 20, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null, "apr_low_src": "https://www.truist.com/loans/heloc" }, { "key": "regions-heloc", "brand": "Regions Bank", "product": "Regions Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.regions.com/", "terms_url": "https://www.regions.com/personal-banking/home-equity/home-equity-line-of-credit", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "Property to be used as collateral must be in a state where Regions has branches.", "min_credit": null, "max_cltv_pct": 85, "min_amount": 10000, "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "10-year draw and 20-year repayment period. Draw period payment: 1/360th of the outstanding balance plus any accrued finance charges or $50, whichever is greater. $10,000 - $500,000 depending on lien position and loan-to-value. Up to 85% loan-to-value. Rechecked 2026-09-29 against the official published source; the modeled core terms remained as recorded. Individual terms still depend on offer and eligibility.", "_checked": "2026-09-29", "unconfirmed": [ "min_credit", "origination_fee_pct", "annual_fee", "states_count", "parent_company", "min_home_value", "origination_fee_flat", "full_draw_required" ], "apr_low": 7.5, "apr_high": 14.375, "apr_is_floor": true, "apr_note": "3.99% introductory annual percentage rate (APR) for the first six billing cycles from account opening (applications taken on or after 01/23/2026). Currently, post introductory rates range from 7.50% to 14.375% APR. Your APR will never be more than 18% or less than 3.75%.", "rate_type": "variable", "rate_index": "Wall Street Journal prime", "intro_apr": 3.99, "intro_months": 6, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": null, "closing_costs": 0, "closing_costs_note": "Estimated closing costs of $150 to $4,000; bank-paid option for lines <= $500,000.", "prepay_penalty_note": "If your line is terminated within 24 months of the opening date, third-party closing costs paid by Regions will be charged to the line (not applicable to Lines secured by a Texas residence)", "prepay_penalty_months": 24, "prepay_penalty_amount": 4000, "draw_years": 10, "repay_years": 20, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": false, "origination_fee_min": null }, { "key": "connexus-heloc", "brand": "Connexus Credit Union", "product": "Connexus Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.connexuscu.org/", "terms_url": "https://www.connexuscu.org/loans/heloc", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "Product not available in Maryland, Texas, Hawaii, and Alaska.", "min_credit": null, "max_cltv_pct": 90, "min_amount": 5000, "max_amount": null, "min_home_value": null, "affiliate_brand": null, "notes": "No annual fee. 15-year draw, 15-year repayment. Variable rate can adjust semi-annually in April and October. Interest-Only HELOC option: monthly payment will be the interest accrued during the month. Minimum $5,000; up to 90% of home value. Rechecked 2026-09-29: The published 7.51% APR belongs to the standard HELOC with a 1.5% monthly payment; the interest-only product modeled here starts at 8.01% APR.", "_checked": "2026-09-29", "unconfirmed": [ "min_credit", "max_amount", "origination_fee_pct", "prepay_penalty_note", "intro_months", "states_count", "parent_company", "min_home_value", "origination_fee_flat", "full_draw_required" ], "apr_low": 8.01, "apr_high": 15.9, "apr_is_floor": true, "apr_note": "Intro 4.99% until April 1, 2027 or 5.49% until October 1, 2027; 7.51% variable APR after (Standard HELOC), 8.01% (Interest-Only HELOC); based on 80% combined loan-to-value or less with all available discounts. Maximum rate 15.9% APR.", "rate_type": "variable", "rate_index": "12-week average of the 1-Year Treasury Constant Maturity Rate plus a margin", "intro_apr": 4.99, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": 0, "closing_costs": 175, "closing_costs_note": "closing costs range $175 to $2,000 depending on terms and location", "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": 15, "repay_years": 15, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": false, "origination_fee_min": null, "apr_low_src": "https://www.connexuscu.org/loans/heloc" }, { "key": "alliant-heloc", "brand": "Alliant Credit Union", "product": "Alliant Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.alliantcreditunion.org/", "terms_url": "https://www.alliantcreditunion.org/borrow/home-equity-line-of-credit", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": 26, "states_note": "AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, MA, MI, MN, MO, NC, NJ, NV, NY, OH, PA, TN, UT, VA, WA, WI, Washington D.C.", "min_credit": null, "max_cltv_pct": 85, "min_amount": 10000, "max_amount": null, "min_home_value": null, "affiliate_brand": "Alliant Credit Union", "notes": "The $50 annual fee is waived the first year and charged annually thereafter. Draw: 10 years (interest-only payments on amount borrowed); Repayment: up to 20 years. Minimum $10,000 ($25,001 in WI and Washington, D.C.). Maximum CLTV 85%; 80% in AZ, CA, CO, FL, GA, IN, MI, MO, NC, NV, TN, UT. Rechecked 2026-09-29: annual fee is waived in the first year and modeled beginning in year two.", "_checked": "2026-09-29", "unconfirmed": [ "min_credit", "max_amount", "origination_fee_pct", "parent_company", "min_home_value", "origination_fee_flat", "full_draw_required" ], "apr_low": 7.0, "apr_high": 16, "apr_is_floor": true, "apr_note": "3.99% APR fixed intro rate for first 6 months; as low as 7.00% APR standard variable rate after. Current APRs start as low as 7.00% and will vary based on creditworthiness, lien position, loan amount, and other factors. Your APR will never exceed 16.00% for the life of the plan.", "rate_type": "variable", "rate_index": "Prime Rate as published in The Wall Street Journal", "intro_apr": 3.99, "intro_months": 6, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": 50, "closing_costs": 0, "closing_costs_note": "No closing costs apply on HELOCs up to $250,000 that meet Alliant criteria, excluding applicant-requested appraisals, state fees and taxes, and notary fees. HELOCs over $250,000: up to $1,000 fee.", "prepay_penalty_note": "A $200 termination fee may apply if the HELOC is closed within 36 months of origination to reimburse certain third-party costs paid on your behalf. Alliant won't penalize you if you pay your loan off early.", "prepay_penalty_months": 36, "prepay_penalty_amount": 200, "draw_years": 10, "repay_years": 20, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": true, "origination_fee_min": null, "annual_fee_start_year": 2 }, { "key": "keybank-heloc", "brand": "KeyBank", "product": "KeyBank Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.key.com/", "terms_url": "https://www.key.com/personal/home-loans-lines/home-equity-line.html", "parent_company": null, "parent_src": null, "price_published": false, "price_visibility": "quote_only", "states_count": null, "states_note": "Home Equity Lines of Credit may not be available in all states.", "min_credit": null, "max_cltv_pct": 80, "min_amount": 10000, "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "$10,000 to $500,000. Up to 80% CLTV. Variable rate. Principal and interest or interest-only payment options. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice. No APR or fee figures published on the page.", "_checked": "2026-08-25", "unconfirmed": [ "apr_low", "apr_high", "rate_index", "annual_fee", "closing_costs", "min_credit", "draw_years", "repay_years", "interest_only_draw", "states_count", "parent_company", "min_home_value", "origination_fee_pct", "origination_fee_flat", "prepay_penalty_note", "full_draw_required" ], "apr_low": null, "apr_high": null, "apr_is_floor": false, "apr_note": null, "rate_type": "variable", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": null, "closing_costs": null, "closing_costs_note": null, "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": null, "origination_fee_min": null }, { "key": "flagstar-heloc", "brand": "Flagstar", "product": "Flagstar Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.flagstar.com/", "terms_url": "https://www.flagstar.com/personal/borrow/home-loans/home-equity-solutions/heloc.html", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": 51, "states_note": "offered in all 50 states and the District of Columbia", "min_credit": 680, "max_cltv_pct": 80, "min_amount": 10000, "max_amount": 1000000, "min_home_value": null, "affiliate_brand": null, "notes": "$75 annual fee, waived for the first year, will be charged annually thereafter. 10-year draw period (interest-only payments available), 20-year repayment period. Initial draw must be greater of 50% of line or $50,000 for lines over $50K; full amount for lines under $50K. Minimum credit score 680. Rechecked 2026-09-29: Published 7.49% sample APR requires a $200,000+ line, while the default model takes $50,000; no comparable $50,000 rate is published.", "_checked": "2026-09-29", "unconfirmed": [ "origination_fee_pct", "parent_company", "min_home_value", "origination_fee_flat" ], "apr_low": 7.49, "apr_high": null, "apr_is_floor": true, "apr_note": "4.99% APR introductory rate for first 6 billing cycles, then variable 7.49% APR (sample rate, subject to change); Wall Street Journal Prime Rate plus margin; 0.25% interest rate discount with automatic monthly payments from an eligible Flagstar Checking Account", "rate_type": "variable", "rate_index": "Wall Street Journal Prime Rate", "intro_apr": 4.99, "intro_months": 6, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": 75, "closing_costs": 0, "closing_costs_note": "Origination/closing fees generally range between $0 and $10,000", "prepay_penalty_note": "Early termination within 36 months: borrower repayment of closing fees required", "prepay_penalty_months": 36, "prepay_penalty_amount": 10000, "draw_years": 10, "repay_years": 20, "term_years": null, "term_options": null, "full_draw_required": false, "interest_only_draw": true, "origination_fee_min": null, "model_conflict": "Published 7.49% sample APR requires a $200,000+ line, while the default model takes $50,000; no comparable $50,000 rate is published." }, { "key": "better-heloc", "brand": "Better", "product": "Better HELOC", "category": "heloc", "market": "US", "provider_url": "https://better.com/", "terms_url": "https://better.com/b/heloc-rates", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "all states other than TX", "min_credit": 620, "max_cltv_pct": 90, "min_amount": 50000, "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "$50,000 to $500,000 line; up to 90% of your property's value; minimum draw $50,000 or 75% of your credit limit, whichever is greater; you'll only pay interest on what you withdraw. Better does not offer fixed-rate HELOCs.", "_checked": "2026-08-25", "unconfirmed": [ "apr_low", "origination_fee_pct", "annual_fee", "closing_costs", "prepay_penalty_note", "draw_years", "repay_years", "interest_only_draw", "states_count", "parent_company", "min_home_value", "origination_fee_flat" ], "apr_low": null, "apr_high": 15.55, "apr_is_floor": true, "apr_note": "APR represents the lowest available rate and may be as high as 15.55%; lowest rate assumes 780+ credit score, 64% CLTV, $150,000 credit limit (exact as-low-as figure rendered dynamically and not readable). At Better, all HELOCs are variable-rate.", "rate_type": "variable", "rate_index": "Prime Rate (Wall Street Journal)", "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": null, "closing_costs": null, "closing_costs_note": null, "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": false, "interest_only_draw": null, "states_note_src": "https://better.com/heloc", "origination_fee_min": null }, { "key": "spring-eq-heloc", "brand": "Spring EQ", "product": "Spring EQ Variable-Rate HELOC", "category": "heloc", "market": "US", "provider_url": "https://www.springeq.com/", "terms_url": "https://www.springeq.com/variable-rate-heloc", "parent_company": null, "parent_src": null, "price_published": false, "price_visibility": "quote_only", "states_count": null, "states_note": null, "min_credit": 640, "max_cltv_pct": 90, "min_amount": 50000, "max_amount": 500000, "min_home_value": null, "affiliate_brand": "Spring EQ", "notes": "Variable-rate HELOCs come with a lender and an annual fee. No prepayment penalties. $50,000 to $500,000; up to 90% of your home's value; Qualify With As Low As a 640 FICO; interest-only payment option during draw period. No APR or fee amounts published.", "_checked": "2026-08-25", "unconfirmed": [ "apr_low", "apr_high", "rate_index", "annual_fee", "closing_costs", "origination_fee_pct", "draw_years", "repay_years", "states_count", "parent_company", "min_home_value", "origination_fee_flat", "full_draw_required" ], "apr_low": null, "apr_high": null, "apr_is_floor": false, "apr_note": null, "rate_type": "variable", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": null, "closing_costs": null, "closing_costs_note": null, "prepay_penalty_note": "No prepayment penalties", "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": null, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": true, "origination_fee_min": null }, { "key": "lower-heloc", "brand": "Lower", "product": "Lower HELOC", "category": "heloc", "market": "US", "provider_url": "https://www.lower.com/", "terms_url": "https://www.lower.com/mortgages/heloc", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": null, "min_credit": null, "max_cltv_pct": 95, "min_amount": null, "max_amount": 500000, "min_home_value": null, "affiliate_brand": null, "notes": "HELOC rates as low as 8.75%. Up to 95% loan to value. Access up to $500k. 10-year draw period. Pay only interest on what you borrow. No fee, closing-cost, repayment-period or state details published. Rechecked 2026-09-29 against the official published source; the modeled core terms remained as recorded. Individual terms still depend on offer and eligibility.", "_checked": "2026-09-29", "unconfirmed": [ "rate_type", "rate_index", "origination_fee_pct", "annual_fee", "closing_costs", "prepay_penalty_note", "min_credit", "min_amount", "repay_years", "states_count", "parent_company", "min_home_value", "origination_fee_flat", "full_draw_required" ], "apr_low": 8.75, "apr_high": null, "apr_is_floor": true, "apr_note": "HELOC rates as low as 8.75% (no qualifying conditions shown on page)", "rate_type": null, "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": null, "origination_fee_is_up_to": false, "origination_fee_flat": null, "annual_fee": null, "closing_costs": null, "closing_costs_note": null, "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": 10, "repay_years": null, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": true, "origination_fee_min": null }, { "key": "loandepot-heloc", "brand": "loanDepot", "product": "loanDepot equityFREEDOM HELOC", "category": "heloc", "market": "US", "provider_url": "https://www.loandepot.com/", "terms_url": "https://www.loandepot.com/equityfreedom", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "Not available in all states. Not available for Texas or New York (secondary/investment properties).", "min_credit": null, "max_cltv_pct": null, "min_amount": 35000, "max_amount": 250000, "min_home_value": null, "affiliate_brand": null, "notes": "Origination fee up to 5% of the line amount, or the maximum allowed by state law, whichever is less; deducted from your initial draw amount; 100% drawn at the time of origination. Line amount between $35,000 and $250,000 or as defined by state law. Other states: 10-year interest-only period (with 3-year draw) + 20-year repayment; Texas: 3-year draw/interest-only + 27-year repayment.", "_checked": "2026-08-25", "unconfirmed": [ "apr_low", "annual_fee", "closing_costs", "prepay_penalty_note", "min_credit", "max_cltv_pct", "states_count", "parent_company", "min_home_value", "origination_fee_flat" ], "apr_low": null, "apr_high": 18, "apr_is_floor": true, "apr_note": "Variable rate based on WSJ Prime Rate plus lender margin; maximum rate 18.00% at any time during the term; no as-low-as APR figure published", "rate_type": "variable", "rate_index": "Prime Rate published in the Wall Street Journal", "intro_apr": null, "intro_months": null, "origination_fee_pct": 5, "origination_fee_is_up_to": true, "origination_fee_flat": null, "annual_fee": null, "closing_costs": null, "closing_costs_note": null, "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": 3, "repay_years": 20, "term_years": null, "term_options": null, "full_draw_required": true, "interest_only_draw": true, "origination_fee_min": null }, { "key": "achieve-heloc", "brand": "Achieve", "product": "Achieve Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.achieve.com/", "terms_url": "https://www.achieve.com/heloc", "parent_company": "Achieve", "parent_src": "https://www.achieve.com/heloc", "price_published": true, "price_visibility": "published", "states_count": null, "states_note": null, "min_credit": 600, "max_cltv_pct": 90, "min_amount": 15000, "max_amount": 700000, "min_home_value": null, "affiliate_brand": null, "notes": "Origination fee up to 3.5% of line amount where permitted by state law. All terms have a 5-year draw period with the remaining term being a no draw period. 10, 15, 20, or 30-year terms. $15,000-$700,000. Minimum 600 credit score applies. Achieve Loans (NMLS #1810501), subsidiary of Achieve Company. Rechecked 2026-09-29: Published page does not establish interest-only payments during the five-year draw; this model must not assume that payment structure.", "_checked": "2026-09-29", "unconfirmed": [ "annual_fee", "repay_years", "interest_only_draw", "states_count", "min_home_value" ], "apr_low": 5.75, "apr_high": 15.17, "apr_is_floor": true, "apr_note": "5.75% - 15.17% APR; lowest rates require FICO >= 700, CLTV <= 40%, DTI <= 15%; fixed-rate APRs", "rate_type": "fixed", "rate_index": null, "intro_apr": null, "intro_months": null, "origination_fee_pct": 3.5, "origination_fee_is_up_to": true, "origination_fee_flat": 725, "annual_fee": null, "closing_costs": 750, "closing_costs_note": "Closing costs range from $750 to $10,304, depending on line amount and state law requirements. Underwriting fee $725 where permitted by law.", "prepay_penalty_note": "No early prepayment penalty fees", "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": 5, "repay_years": null, "term_years": 30, "term_options": [ 10, 15, 20, 30 ], "full_draw_required": true, "interest_only_draw": null, "origination_fee_min": null, "model_conflict": "Published page does not establish interest-only payments during the five-year draw; this model must not assume that payment structure." }, { "key": "chase-heloc", "brand": "Chase", "product": "Chase Home Equity Line of Credit", "category": "heloc", "market": "US", "provider_url": "https://www.chase.com/", "terms_url": "https://www.chase.com/personal/mortgage/home-equity/home-equity-line-of-credit", "parent_company": null, "parent_src": null, "price_published": true, "price_visibility": "published", "states_count": null, "states_note": "available for homes in the U.S, except Texas", "min_credit": 680, "max_cltv_pct": 80, "min_amount": null, "max_amount": null, "min_home_value": null, "affiliate_brand": null, "notes": "Pay an origination fee at closing, which will not exceed 4.99% of your total credit limit. You can access your available line of credit for three years. Then you'll have 10 years of interest-only payments, followed by 20 years to pay back the principal and interest. Credit score is 680 or higher; borrow up to 80% of your home's value. Rechecked 2026-09-29: sample variable APR is 8.37% for ZIP 43240 as of 2026-09-18, for a new $100,000 line, up to 55% CLTV, primary residence in Ohio, excellent credit; this is not a general offer. Rechecked 2026-09-29: Published 8.37% example requires a $100,000 line, while the default model takes $50,000; no comparable $50,000 rate is published.", "_checked": "2026-09-29", "unconfirmed": [ "annual_fee", "closing_costs", "prepay_penalty_note", "min_amount", "max_amount", "states_count", "parent_company", "min_home_value", "origination_fee_flat", "full_draw_required" ], "apr_low": 8.37, "apr_high": 18, "apr_is_floor": false, "apr_note": "Variable rate of 8.12% in ZIP Code 43240 as of July 30th, 2026. Sample variable APR assumes a new 30-year $100,000 HELOC in second lien position with a combined loan-to-value (CLTV) ratio of up to 55% on a single-family detached primary residence in Ohio and a borrower with excellent credit. Will not exceed 18%.", "rate_type": "variable", "rate_index": "Prime Rate (the index) as published in the Wall Street Journal combined with a fixed margin", "intro_apr": null, "intro_months": null, "origination_fee_pct": 4.99, "origination_fee_is_up_to": true, "origination_fee_flat": null, "annual_fee": null, "closing_costs": null, "closing_costs_note": null, "prepay_penalty_note": null, "prepay_penalty_months": null, "prepay_penalty_amount": null, "draw_years": 3, "repay_years": 20, "term_years": null, "term_options": null, "full_draw_required": null, "interest_only_draw": true, "states_note_src": "https://www.chase.com/personal/mortgage/home-equity/home-equity-line-of-credit", "origination_fee_min": null, "apr_low_src": "https://www.chase.com/personal/mortgage/home-equity/home-equity-line-of-credit", "model_conflict": "Published 8.37% example requires a $100,000 line, while the default model takes $50,000; no comparable $50,000 rate is published." } ] }