Best Home Equity Loan Lenders Of November 2024

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.share-modal-overlay{background:#000;display:none;height:100%;opacity:.8;position:fixed;top:0;width:100%;z-index:9999}#custom-header-wrapper .share-modal--open{display:block}#custom-header-wrapper .share-text{color:#fff;font-size:18px;margin:12px 0 20px;padding-left:32px;text-transform:uppercase}#custom-header-wrapper .menu-toggle{cursor:pointer;display:block;left:0;margin-left:23px;overflow:hidden;padding:13px 0;position:absolute;top:0}#custom-header-wrapper .menu-toggle .menu-toggle-wrap{fill:#fff;height:24px;width:20px}#custom-header-wrapper .header-us{height:50px}@media only screen and (max-width:1600px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 20px}#custom-header-wrapper .header__nav .sub-menu{max-width:930px}}@media only screen and (max-width:1400px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 16px}}@media only screen and (max-width:1280px){#custom-header-wrapper .header__nav .menu>li.menu-item{padding:0 8px}#custom-header-wrapper .header__nav .sub-menu{max-width:692px}}#custom-header-wrapper .header__container{height:50px}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{margin-top:-5px}#custom-header-wrapper .site-wrapper.sticky{padding-top:48px}#custom-header-wrapper .header__nav{background-color:#181716;display:none;height:90vh;left:0;position:absolute;top:48px;z-index:9999}#custom-header-wrapper .header__nav.active{display:block}#custom-header-wrapper .header__nav .menu{align-items:flex-start;flex-direction:column;height:auto;justify-content:space-between}#custom-header-wrapper .header__nav .menu>li.menu-item{min-height:40px;overflow:hidden;padding:9px 25px;width:100%}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type,#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{padding:9px 25px}#custom-header-wrapper .header__nav .menu>li.menu-item>a{font-size:18px;height:100%;line-height:1.15}#custom-header-wrapper .header__nav .menu>li.menu-item.active a{color:inherit}#custom-header-wrapper .header__nav .menu>li.menu-item.active{border-left:4px solid}#custom-header-wrapper .header__nav .menu>li.menu-item .header-divider{border:none;box-shadow:inset -1px 0 0 0 #333;color:#cdc1b2;display:none;height:calc(100% - 35px);left:31%;position:absolute;top:10px;transition:none;width:2px;z-index:1}#custom-header-wrapper .header__nav .menu>li.menu-item.active .header-divider{display:block;z-index:2}#custom-header-wrapper .header__nav .sub-menu-wrap{background-color:#181716;box-shadow:none;color:#fcfcfc;font-size:13px;height:85vh;left:auto;padding:0 0 0 25px;position:absolute;right:0;top:10px;width:69%;z-index:1}#custom-header-wrapper .header__nav .menu>li.menu-item.active .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .menu .menu-item:hover .sub-menu-wrap{visibility:hidden}#custom-header-wrapper .header__nav .sub-menu-wrap:before{display:none}#custom-header-wrapper .header__nav .sub-menu{flex-direction:column;height:100%;width:100%}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{display:inline-block;flex-shrink:0;height:40px;margin-right:0;padding:0;width:auto}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{display:block;padding-top:1px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child a{padding:3px 24px 0 0}#custom-header-wrapper .header__indicator{display:none}#custom-header-wrapper .header__nav .menu .legal-links{display:block;font-size:13px;padding:10px 25px}#custom-header-wrapper .header__nav .menu .legal-link{color:#fcfcfc;font-family:Work Sans,sans-serif;font-size:10px;line-height:12px;padding-bottom:10px}#custom-header-wrapper .header__nav .menu .legal-link a{color:#fcfcfc;font-family:Work Sans,sans-serif}@media only screen and (max-width:768px){#custom-header-wrapper .header__nav{height:100vh;height:calc(var(--vh, 1vh)*100)}#custom-header-wrapper .header__nav .sub-menu-wrap{height:100vh;height:calc(var(--vh, 1vh)*100);padding:0 32px;top:11px;width:50%}#custom-header-wrapper .header__nav .menu>li.menu-item .header-divider{left:50%;top:11px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{font-weight:600;height:auto;padding:10px 0}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{padding-top:0}}@media only screen and (max-width:767px){#custom-header-wrapper .menu-toggle{margin-left:20px}#custom-header-wrapper .header__logo svg{width:auto}}@media only screen and (max-width:480px){#custom-header-wrapper .header__container{height:50px}#custom-header-wrapper .header__logo{margin-top:-5px}#custom-header-wrapper .header__indicator{display:block;height:1px;opacity:.15;z-index:9999}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{margin-top:-3px}#custom-header-wrapper .header__nav.active{position:fixed}#custom-header-wrapper .header__nav .menu{display:block;height:100vh;height:calc(var(--vh, 1vh)*100);overflow-y:scroll}#custom-header-wrapper .header__nav .menu>li.menu-item{align-items:flex-start;border-left:none!important;flex-direction:column;height:auto;min-height:38px;padding:0}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type,#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{padding:0}#custom-header-wrapper .header__nav .menu>li.menu-item.active .header-divider{display:none}#custom-header-wrapper .header__nav .sub-menu-wrap{background-color:#212424;border-left:4px solid;display:none;height:auto;left:0;margin-top:20px;padding:25px;position:relative;right:unset;top:0;width:calc(100% + 50px)}#custom-header-wrapper .header__nav .sub-menu .menu-item{display:block;height:auto;padding:10px 0}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{padding-top:1px}#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{margin-bottom:10px}#custom-header-wrapper .header__nav .menu>li.menu-item.active .sub-menu-wrap{display:block}#custom-header-wrapper .header__nav .menu>li.menu-item>a{display:block;font-size:16px;padding:10px 25px 0;width:100%}#custom-header-wrapper .header__nav .menu .legal-links{margin-bottom:150px}}@media only screen and (max-width:374px){#custom-header-wrapper #subnavBar .sub-menu-wrap{padding-left:4px;padding-right:4px}#custom-header-wrapper .sub-menu-item{padding-right:8px}}#custom-header-wrapper .header__nav{background:#222424;height:100vh;height:calc(var(--vh, 1vh)*100);width:100%}@media (min-width:1065px){#custom-header-wrapper .header__nav{left:-251px;transition:all .5s;width:251px}#custom-header-wrapper .header__nav.active{left:0}}#custom-header-wrapper .header__nav .bottom-menu{background:#222424;bottom:50px;font-family:EuclidCircularB,sans-serif;font-size:12px;font-weight:700;padding:0 30px;position:absolute;width:100%}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu{bottom:40px}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{align-items:center;color:#7d7d7d;cursor:pointer;display:flex;margin:22px 0 32px;width:100%}@media screen and (min-width:768px){#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu{margin:40px 0}}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu:hover{text-decoration:underline}#custom-header-wrapper .header__nav .bottom-menu .bottom-close-menu a{margin-left:20px}#custom-header-wrapper .header__nav .wp-menu{-ms-overflow-style:none;max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px);overflow:scroll;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{border-left:3px solid #222424}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:first-child{border-top:2px solid #222424}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover{background-color:#181716}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .main-menu-wrap{border-left:3px solid #bfc8fb;color:#bfc8fb}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{display:block;padding:30px 40px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item>a{padding:18px 46px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:400;line-height:24px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap{padding:12px 16px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap::-webkit-scrollbar,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{-ms-overflow-style:none;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{background-color:#222424;border:none;display:block;height:100vh;height:calc(var(--vh, 1vh)*100);left:100%;margin:0;max-height:calc(100vh - 148px);max-height:calc(var(--vh, 1vh)*100 - 148px);overflow:auto;padding:0;position:absolute;transition:all .5s;visibility:visible}@media (min-width:500px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{max-height:calc(100vh - 150px);max-height:calc(var(--vh, 1vh)*100 - 150px)}}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{border-left:1px solid #7f7f7f;max-height:calc(100vh - 48px);max-height:calc(var(--vh, 1vh)*100 - 48px);right:-320px;top:0;transition:none;visibility:hidden;width:320px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap.mobile-active{border-left:none;display:block;left:0;right:0;top:0;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{align-items:center;color:#626262;display:block;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:35px 31px 10px}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{display:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn .back-arrow{margin-right:20px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{display:block;max-height:calc(100% - 70px);max-width:none;overflow:auto}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{max-height:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{align-items:center;background:#222424;color:#bfc8fb;cursor:pointer;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:26px 45px 26px 32px;position:relative}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{padding:30px 45px 30px 30px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link.is-touch{display:block}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{align-items:center;background:#222424;color:#bfc8fb;cursor:pointer;display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;padding:26px 45px 26px 32px;position:relative}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title{padding:30px 45px 30px 30px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title a{display:block}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{border:solid #bfc8fb;border-width:0 3px 3px 0;content:"";display:inline-block;margin-left:auto;padding:3px;position:absolute;right:35px;top:30px;transform:rotate(45deg);-webkit-transform:rotate(45deg)}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title:after{top:35px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .accordian-title:after{top:37px;transform:rotate(-135deg);-webkit-transform:rotate(-135deg)}@media (min-width:1065px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .accordian-title:after{top:40px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a{background:#181716;display:block;font-family:EuclidCircularB,sans-serif;font-size:15px;font-weight:400;padding:24px 32px}#custom-header-wrapper .region-selector-mobile{background-color:rgba(0,0,0,.4);overflow-y:auto;top:0;z-index:999999}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap{border-radius:5px;left:50%;position:absolute;top:50%;transform:translate(-50%,-50%)}@media screen and (min-width:640px) and (max-width:768px){#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap .mob-region-sel-holder{margin-bottom:20px;margin-top:175px}}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap .radio-outer{align-items:center;border:2px solid #395bb6;border-radius:50%;display:flex;height:20px;justify-content:center;width:20px}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap ul li.active .radio-inner{background:#395bb6;border-radius:50%;height:10px;width:10px}#custom-header-wrapper .region-selector-mobile .mobile-region-selector-wrap ul li.active span{font-weight:600}@media screen and (min-width:768px){#custom-header-wrapper .md-inline-block{display:inline-block!important}}#custom-header-wrapper .p-24px{padding:24px}#custom-header-wrapper .w-5{width:20px}#custom-header-wrapper .h-3{height:12px}#custom-header-wrapper .mx-20px{margin-left:20px;margin-right:20px}#custom-header-wrapper .pb-12px{padding-bottom:12px}#custom-header-wrapper .fixed{position:fixed}#custom-header-wrapper .z-50{z-index:50}#custom-header-wrapper .h-screen{height:100vh}#custom-header-wrapper .w-full{width:100%}#custom-header-wrapper .mx-5{margin-left:1.25rem!important;margin-right:1.25rem!important}#custom-header-wrapper .bg-white{background-color:#fff}#custom-header-wrapper .p-6{padding:1.5rem}#custom-header-wrapper .rounded-5px{border-radius:5px}#custom-header-wrapper .text-333333{color:#333}#custom-header-wrapper .pb-3{padding-bottom:.75rem}#custom-header-wrapper .border-light{border-color:#ddd}#custom-header-wrapper .text-20px{font-size:20px}@media screen and (min-width:768px){#custom-header-wrapper .md-hidden{display:none!important}}#custom-header-wrapper .font-euclidcircularb,#custom-header-wrapper .font-euclidcircularb-regular{font-family:EuclidCircularB,sans-serif;font-weight:400}#custom-header-wrapper .font-bold{font-weight:700}#custom-header-wrapper .mt-6{margin-top:1.5rem}#custom-header-wrapper .mt-24px{margin-top:24px}#custom-header-wrapper .w-24px{width:24px}#custom-header-wrapper .h-16px{height:16px}#custom-header-wrapper .mr-26px{margin-right:26px}#custom-header-wrapper .w-6{width:1.5rem}#custom-header-wrapper .h-4{height:1rem}#custom-header-wrapper .mr-15px{margin-right:15px}#custom-header-wrapper .pos-r{position:relative}#custom-header-wrapper .ml-auto,#custom-header-wrapper .mx-auto{margin-left:auto!important}#custom-header-wrapper .mr-auto,#custom-header-wrapper .mx-auto{margin-right:auto!important}#custom-header-wrapper .text-18px{font-size:18px}#custom-header-wrapper .text-white{color:#fff}#custom-header-wrapper .ml-6px{margin-left:6px}#custom-header-wrapper .mt-10px{margin-top:10px}#custom-header-wrapper .mt-3{margin-top:.75rem}@media screen and (min-width:768px){#custom-header-wrapper .md-mt-3{margin-top:.75rem}#custom-header-wrapper .md-text-20px{font-size:20px}}#custom-header-wrapper .mr-50px{margin-right:50px}@media screen and (min-width:768px){#custom-header-wrapper .md-mr-50px{margin-right:50px}}#custom-header-wrapper .flex-col{flex-direction:column}#custom-header-wrapper .min-h-screen{min-height:100vh}@media screen and (min-width:768px){#custom-header-wrapper .xl-hover-underline:hover{text-decoration:underline}}#custom-header-wrapper .hidden{display:none}#custom-header-wrapper .cursor-pointer{cursor:pointer}#custom-header-wrapper .relative{position:relative}#custom-header-wrapper .h-full{height:100%}#custom-header-wrapper .items-center{align-items:center}@media screen and (min-width:768px){#custom-header-wrapper .md-text-gray-500{color:#333}}#custom-header-wrapper .border-gray-200{border-color:#ddd}#custom-header-wrapper .border-b-1{border-bottom:1px solid;border-color:#333}#custom-header-wrapper .border-none{border-style:none}@media screen and (min-width:768px){#custom-header-wrapper .md-flex{display:flex}}#custom-header-wrapper 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Patoka","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/06/josh_patoka-88x88.jpg" alt="Josh Patoka" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/06/josh_patoka-88x88.jpg" alt="Josh Patoka" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/jpatoka/" target="_blank" data-mktp-link='{"clickText":"Josh Patoka","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}'>Josh Patoka</a><span class="author-role">Mortgages Writer</span></div></div><div class="middle-content">Having lived in several states, owning primary residences and investment properties, Josh Patoka uses his experience using mortgages and HELOCs to help first-time home buyers and home owners find the best home loan for their financial goals. His work...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jpatoka/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="www.linkedin.com/in/joshua-patoka-ab098145" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"www.linkedin.com\/in\/joshua-patoka-ab098145","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/06/josh_patoka-88x88.jpg" alt="Josh Patoka" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/jpatoka/" target="_blank" data-mktp-link='{"clickText":"Josh Patoka","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}'>Josh Patoka</a><span class="author-role">Mortgages Writer</span></div></div><div class="middle-content">Having lived in several states, owning primary residences and investment properties, Josh Patoka uses his experience using mortgages and HELOCs to help first-time home buyers and home owners find the best home loan for their financial goals. His work...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jpatoka/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="www.linkedin.com/in/joshua-patoka-ab098145" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"www.linkedin.com\/in\/joshua-patoka-ab098145","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div><div class="title-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/jpatoka/" data-mktp-link='{"clickText":"Josh Patoka","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}' target="_blank">Josh Patoka </a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/06/josh_patoka-88x88.jpg" alt="Josh Patoka" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/jpatoka/" target="_blank" data-mktp-link='{"clickText":"Josh Patoka","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}'>Josh Patoka</a><span class="author-role">Mortgages Writer</span></div></div><div class="middle-content">Having lived in several states, owning primary residences and investment properties, Josh Patoka uses his experience using mortgages and HELOCs to help first-time home buyers and home owners find the best home loan for their financial goals. His work...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jpatoka/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="www.linkedin.com/in/joshua-patoka-ab098145" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"www.linkedin.com\/in\/joshua-patoka-ab098145","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/06/josh_patoka-88x88.jpg" alt="Josh Patoka" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/jpatoka/" target="_blank" data-mktp-link='{"clickText":"Josh Patoka","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}'>Josh Patoka</a><span class="author-role">Mortgages Writer</span></div></div><div class="middle-content">Having lived in several states, owning primary residences and investment properties, Josh Patoka uses his experience using mortgages and HELOCs to help first-time home buyers and home owners find the best home loan for their financial goals. His work...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/jpatoka/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="www.linkedin.com/in/joshua-patoka-ab098145" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"www.linkedin.com\/in\/joshua-patoka-ab098145","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><div class="designation">Mortgages Writer </div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-mktp-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/cjennings/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Chris Jennings","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cjennings\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/10/Christopher-Jennings-e1698304551416-88x88.jpg" alt="Chris Jennings" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/10/Christopher-Jennings-e1698304551416-88x88.jpg' alt='Chris Jennings' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cjennings/" target="_blank" data-mktp-link='{"clickText":"Chris Jennings","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cjennings\/","clickType":"internal"}'>Chris Jennings</a><span class="author-role">Loans & Mortgages Editor</span></div></div><div class="middle-content">Chris Jennings is a writer and editor with more than seven years of experience in the personal finance and mortgage space. He enjoys simplifying complex mortgage topics for first-time homebuyers and homeowners alike. His work has been featured in a n...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cjennings/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cjennings\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cjennings37/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cjennings37\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/10/Christopher-Jennings-e1698304551416-88x88.jpg' alt='Chris Jennings' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cjennings/" target="_blank" data-mktp-link='{"clickText":"Chris Jennings","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cjennings\/","clickType":"internal"}'>Chris Jennings</a><span class="author-role">Loans & Mortgages Editor</span></div></div><div class="middle-content">Chris Jennings is a writer and editor with more than seven years of experience in the personal finance and mortgage space. He enjoys simplifying complex mortgage topics for first-time homebuyers and homeowners alike. His work has been featured in a n...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cjennings/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cjennings\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cjennings37/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cjennings37\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/author/cjennings/" data-mktp-link='{"clickText":"Chris Jennings","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cjennings\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Chris Jennings</a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/10/Christopher-Jennings-e1698304551416-88x88.jpg' alt='Chris Jennings' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cjennings/" target="_blank" data-mktp-link='{"clickText":"Chris Jennings","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cjennings\/","clickType":"internal"}'>Chris Jennings</a><span class="author-role">Loans & Mortgages Editor</span></div></div><div class="middle-content">Chris Jennings is a writer and editor with more than seven years of experience in the personal finance and mortgage space. He enjoys simplifying complex mortgage topics for first-time homebuyers and homeowners alike. His work has been featured in a n...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cjennings/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cjennings\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cjennings37/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cjennings37\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div><div class="author-close-btn"><img width="32px" height="32px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/close.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/10/Christopher-Jennings-e1698304551416-88x88.jpg' alt='Chris Jennings' width='50px' height='50px'></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cjennings/" target="_blank" data-mktp-link='{"clickText":"Chris Jennings","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cjennings\/","clickType":"internal"}'>Chris Jennings</a><span class="author-role">Loans & Mortgages Editor</span></div></div><div class="middle-content">Chris Jennings is a writer and editor with more than seven years of experience in the personal finance and mortgage space. He enjoys simplifying complex mortgage topics for first-time homebuyers and homeowners alike. His work has been featured in a n...</div><div class="bottom-content"><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cjennings/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cjennings\/","clickType":"internal"}'><img width="15px" height="16px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/see-full-bio-icon.svg" /><span class="see-full-bio-text">See Full Bio</span></a><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cjennings37/" target="_blank" data-mktp-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cjennings37\/","clickType":"external"}'><img width="19px" height="19px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/linkedin-v2.svg" /></a></li></ul></div></div></div></div></div></div><div class="bottom-wrap"><div class="author_img-wrap dummy-wrap"></div><span class="designation"><span class="badge-wrapper"><svg class="badge-icon-svg" width="17" height="17" viewBox="0 0 17 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M15.5372 8.50019C15.5372 12.3866 12.3866 15.5372 8.50019 15.5372C4.61377 15.5372 1.4632 12.3866 1.4632 8.50019C1.4632 4.61377 4.61377 1.4632 8.50019 1.4632C12.3866 1.4632 15.5372 4.61377 15.5372 8.50019Z" fill="#4657A1" stroke="white" stroke-width="0.708629" stroke-linecap="square"/><path d="M7.39111 7.39136H11.5255C12.0231 7.39136 12.3629 7.89462 12.1769 8.35616L11.2533 10.6478C11.1462 10.9135 10.8884 11.0875 10.6019 11.0875H7.39111V7.39136Z" fill="white"/><path d="M8.52948 5.26271C8.5741 5.06519 8.77043 4.94126 8.96796 4.98591C9.65932 5.14215 10.0931 5.82926 9.9369 6.52062L9.44575 8.69376L7.39111 7.39161C7.8426 7.21342 8.17673 6.82355 8.28373 6.35015L8.52948 5.26271Z" fill="white"/><path d="M6.60298 7.39136H5.22309C4.99174 7.39136 4.8042 7.5789 4.8042 7.81025V10.6686C4.8042 10.8999 4.99174 11.0875 5.22309 11.0875H6.60298C6.83433 11.0875 7.02188 10.8999 7.02188 10.6686V7.81025C7.02188 7.5789 6.83433 7.39136 6.60298 7.39136Z" fill="white"/></svg><p class="badge-text">Reviewed</p></span><span class="badge-pipe">|</span>Loans & Mortgages Editor </span></div></div></div></div><div class="dummy-container"></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div><div class="artice-date-v2-wrap"><p class="article-date">Updated: Nov 4, 2024, 5:18pm</p></div> <style> .no-editorial-note { margin : 12px 0;} .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="intro-content applyfade "> <div class="intro-content-inner wysiwyg-content"> <p>Home equity loans allow homeowners to borrow against the equity in their homes to fund home improvement projects or pay off or consolidate high-interest debt. Forbes Advisor compiled a list of home equity lenders that excel in various areas, including offering low fees, low loan costs, convenience and flexibility, so there’s something for people with different goals and financial needs.</p> <style id="style_1_eat-widget-style">.eat-widget-container{border:1px solid #ededed;border-radius:.5rem;box-shadow:0 6px 9px rgba(0,0,0,.06);margin:20px 0;padding:16px}.eat-widget-container .eat-header{display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:600;line-height:22px;padding-right:48px;word-break:break-word}.eat-widget-container .eat-header h2{border-style:none;margin:0;padding:0}.eat-widget-container .eat-header .eat-heading{color:#181716;font-weight:600;line-height:22px;margin:0 0 0 8px}.eat-widget-container .eat-header p.eat-heading{font-size:20px}@media (min-width:1025px){.eat-widget-container .eat-header p.eat-heading{font-size:24px}}.eat-widget-container .eat-header 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class="eat-heading"> Why you can trust Forbes Advisor </p> </p></div> </p></div> <div style="display: none"> <div class="eat-wrapper right-section-enabled left-section-enabled"> <div class="left-section"> <p>Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our <a href="https://www.forbes.com/advisor/about-us/#editorial_policies" target="_blank" rel="noopener">editorial guidelines</a> and the <a href="https://www.forbes.com/advisor/mortgages/mortgage-lenders-ratings-methodology/" target="_blank" rel="noopener">mortgages methodology</a> for the ratings below.</p> </p></div> <div class="right-section"> <ul> <li>12 lenders researched</li> <li>5 categories evaluated and scored</li> <li>4 levels of fact-checking</li> </ul></div> </p></div> </p></div> </p></div> </p></div> </div> <div class="mob-fade"> <span>Read more</span> <div class="chevron-arrow-wrapper"> <div class="chevron-arrow down"></div> </div> </div> </div> </div> <div class="test-wrapper toc-enabled-section"> <style id="style_1_toc-sticky-style">.toc-sticky-wrap .mobile-accordion-wrapper{background:#fcfcfc;border:1px solid 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(min-width:1023px){.toc-section-content-wrap{padding:0 15px;width:calc(100% - 242px)}} </style> <div class="toc-drawer-wrap" data-mktp-container='{"componentTitle":"Table Of Contents","componentType":"Sticky TOC"}'> <div class="toc-sticky-wrap "> <div class="toc-accordion mobile-accordion-wrapper" data-mktp-misc-click='{"clickText":"Table Of Contents","clickType":"Accordion","referenceText":""}' > Table of Contents </div> <div class="toc-section-wrapper mobile-accordion-content"> <div class="toc-section-overflow-wrapper"> <div class="toc-wrapper"> <div class="toc-accordion mob-d-none active test-arrow" data-mktp-misc-click='{"clickText":"Our Top Picks","clickType":"Accordion","referenceText":""}' > Our Top Picks </div> <div class="toc-section-wrapper toc-toggle"> <div class="product-accordion mob-d-block">Our Top Picks</div> <div class="toc-products-wrapper"> <ul class="toc-products"> <li class="toc-product-item toc-item"> <a href="#navy_federal_credit_union" class="jump-to" data-mktp-misc-click='{"clickText":"Navy Federal Credit Union","clickType":"Jump Link","referenceText":"Our Top Picks"}' >Navy Federal Credit Union</a> </li> <li class="toc-product-item toc-item"> <a href="#discover" class="jump-to" data-mktp-misc-click='{"clickText":"Discover","clickType":"Jump Link","referenceText":"Our Top Picks"}' >Discover</a> </li> <li class="toc-product-item toc-item"> <a href="#rocket_mortgage" class="jump-to" data-mktp-misc-click='{"clickText":"Rocket Mortgage","clickType":"Jump Link","referenceText":"Our Top Picks"}' >Rocket Mortgage</a> </li> </ul> <div class="toc-bottom-gradient"></div> </div> </div> </div> <div class="toc-content-test"> <div class="toc-content-wrapper"> <div class="toc-accordion mob-d-none " data-mktp-misc-click='{"clickText":"Table of Contents","clickType":"Accordion","referenceText":""}' > Table of Contents </div> <div class="toc-content-list-wrapper toc-toggle"> <div class="content-accordion mob-d-block">Table of Contents</div> <div class="toc-products-wrapper"> <ul class="toc-content-list "> <li class="toc-content-item toc-item"> <a href="#best_home_equity_loan_lenders_of_november_2024_section" class="jump-to" data-mktp-misc-click='{"clickText":"Best Home Equity Loan Lenders of November 2024","clickType":"Jump Link","referenceText":"Table of Contents"}' >Best Home Equity Loan Lenders of November 2024</a> </li> <li class="toc-content-item toc-item"> <a href="#tips_for_comparing_home_equity_loans_section" class="jump-to" data-mktp-misc-click='{"clickText":"Tips for Comparing Home Equity Loans","clickType":"Jump Link","referenceText":"Table of Contents"}' >Tips for Comparing Home Equity Loans</a> </li> <li class="toc-content-item toc-item"> <a href="#what_should_borrowers_consider_when_choosing_a_home_equity_loan_section" class="jump-to" data-mktp-misc-click='{"clickText":"What should borrowers consider when choosing a home equity loan?","clickType":"Jump Link","referenceText":"Table of Contents"}' >What should borrowers consider when choosing a home equity loan?</a> </li> <li class="toc-content-item toc-item"> <a href="#what_is_a_home_equity_loan_section" class="jump-to" data-mktp-misc-click='{"clickText":"What Is a Home Equity Loan?","clickType":"Jump Link","referenceText":"Table of Contents"}' >What Is a Home Equity Loan?</a> </li> <li class="toc-content-item toc-item"> <a href="#how_do_home_equity_loans_work_section" class="jump-to" data-mktp-misc-click='{"clickText":"How Do Home Equity Loans Work?","clickType":"Jump Link","referenceText":"Table of Contents"}' >How Do Home Equity Loans Work?</a> </li> <li class="toc-content-item toc-item"> <a href="#closing_costs_for_home_equity_loans_section" class="jump-to" data-mktp-misc-click='{"clickText":"Closing Costs for Home Equity Loans","clickType":"Jump Link","referenceText":"Table of Contents"}' >Closing Costs for Home Equity Loans</a> </li> <li class="toc-content-item toc-item"> <a href="#home_equity_loan_requirements_section" class="jump-to" data-mktp-misc-click='{"clickText":"Home Equity Loan Requirements","clickType":"Jump Link","referenceText":"Table of Contents"}' >Home Equity Loan Requirements</a> </li> <li class="toc-content-item toc-item"> <a href="#pros_cons_of_home_equity_loans_section" class="jump-to" data-mktp-misc-click='{"clickText":"Pros & Cons of Home Equity Loans","clickType":"Jump Link","referenceText":"Table of Contents"}' >Pros & Cons of Home Equity Loans</a> </li> <li class="toc-content-item toc-item"> <a href="#how_to_choose_the_best_home_equity_loan_lender_section" class="jump-to" data-mktp-misc-click='{"clickText":"How To Choose the Best Home Equity Loan Lender","clickType":"Jump Link","referenceText":"Table of Contents"}' >How To Choose the Best Home Equity Loan Lender</a> </li> <li class="toc-content-item toc-item"> <a href="#how_to_get_a_home_equity_loan_section" class="jump-to" data-mktp-misc-click='{"clickText":"How To Get a Home Equity Loan","clickType":"Jump Link","referenceText":"Table of Contents"}' >How To Get a Home Equity Loan</a> </li> <li class="toc-content-item toc-item"> <a href="#alternative_ways_to_get_equity_out_of_your_home_section" class="jump-to" data-mktp-misc-click='{"clickText":"Alternative Ways To Get Equity Out of Your Home","clickType":"Jump Link","referenceText":"Table of Contents"}' >Alternative Ways To Get Equity Out of Your Home</a> </li> <li class="toc-content-item toc-item"> <a href="#methodology_section" class="jump-to" data-mktp-misc-click='{"clickText":"Methodology","clickType":"Jump Link","referenceText":"Table of Contents"}' >Methodology</a> </li> <li class="toc-content-item toc-item"> <a href="#frequently_asked_questions_faqs_section" class="jump-to" data-mktp-misc-click='{"clickText":"Frequently Asked Questions (FAQs)","clickType":"Jump Link","referenceText":"Table of Contents"}' >Frequently Asked Questions (FAQs)</a> </li> </ul> <div class="toc-bottom-gradient"></div> </div> </div> </div> </div> <div class="toc-rr-wrapper"> <div class="toc-accordion mob-d-none" data-mktp-misc-click='{"clickText":"Home-Equity Buying Guide ","clickType":"Accordion","referenceText":""}' > Home-Equity Buying Guide </div> <div class="toc-rr-content toc-toggle"> <div class="rr-content-accordion mob-d-block">Home-Equity Buying Guide </div> <div class="toc-products-wrapper"> <ul class="toc-rr-item-wrapper"> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/home-equity/best-heloc-rates/" class="jump-to" data-mktp-link='{"clickText":"Best HELOC Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/home-equity\/best-heloc-rates\/","clickType":"internal","referenceText":"Home-Equity Buying Guide "}' >Best HELOC Rates</a> </li> <li class="toc-rr-item"> <a href="https://www.forbes.com/advisor/home-equity/best-home-equity-loan-rates/" class="jump-to" data-mktp-link='{"clickText":"Best Home Equity Loan 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class="progress-bar" id="progressBar"></div> </div> <div class="empty-sec"></div> </div> <div class="test2-wrapper toc-section-content-wrap"> <div class="middle-section"> </div> <div class="bottom-section"> <div id="find_a_home_equity_loan_in_your_state_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <style> .related-widget { font-family: 'Work Sans', sans-serif; font-style: normal; font-weight: 500; font-size: 18px; line-height: 24px; letter-spacing: -0.5px; position: relative; padding-left: 10px; } .related-widget:before { content: ''; font-size: 0; padding-right: 9px; width: 0; height: 0; border-style: solid; border-width: 5px 0 5px 5px; border-color: transparent transparent transparent #181716; position: absolute; top: 7px; left: 0px;} .title__related-widget { text-transform: uppercase; font-weight: 500;} .link__related-widget { color: #395BB6 !important;} @media (max-width: 599px) { .related-widget { font-size: 14px; line-height: 22px;} .related-widget:before { top: 6px; border-width: 4px 0 4px 4px;} } </style><div data-mktp-container='{"componentTitle":"Myfi Generic Widget","componentType":"MyFinance-Exteranl Widget-MyFi Generic Widget"}' > <div class="myFinance-widget" data-ad-id="d492a9d8-93e0-41eb-9943-8192066eb328" data-campaign="forbes-he-cpc-multi"data-mktp-external-widget='{"tid":"tid_value","partnerName":"MyFinance","referenceText":"MyFinance Generic Widget"}'></div> </p></div> </div> </div> <div id="featured_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-mktp-container='{"componentTitle":"AmeriSave Mortgage","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"AmeriSave Mortgage","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element featured-widget no-rating " data-mktp-product='{"itemId":"1294082","itemName":"AmeriSave Mortgage","itemBrand":"","itemCategory":"Home Equity","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}' id="amerisave_mortgage"> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Advertisement</h2> <h3 class="card-title">AmeriSave Mortgage</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://apply.amerisave.com/quote/v1/cashout?source=151020&leadID=" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://apply.amerisave.com/quote/v1/cashout?source=151020&leadID=" data-component-title="Generic Product Widget" data-product-name="AmeriSave Mortgage" data-product-category="NA" data-product-position="NA" data-product-badge="Advertisement" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="1294082" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/apply.amerisave.com\/quote\/v1\/cashout?source=151020&leadID=","clickType":"external"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/08/AmeriSave_Logo-1.png" alt="AmeriSave Mortgage"></a></div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">Availability </p> <div class="fact-value-wrapper"> <p class="fact-value">49 U.S. States</p> <p class="fact-value-light">Not available in New York</p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Minimum Credit Score </p> <div class="fact-value-wrapper"> <p class="fact-value">600</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Loan Minimums </p> <div class="fact-value-wrapper"> <p class="fact-value">$60,000 for purchase and refinance; $25,000 for home equity</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://apply.amerisave.com/quote/v1/cashout?source=151020&leadID=" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://apply.amerisave.com/quote/v1/cashout?source=151020&leadID=" data-component-title="Generic Product Widget" data-product-name="AmeriSave Mortgage" data-product-category="NA" data-product-position="NA" data-product-badge="Advertisement" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="1294082" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/apply.amerisave.com\/quote\/v1\/cashout?source=151020&leadID=","clickType":"external"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/08/AmeriSave_Logo-1.png" alt="AmeriSave Mortgage"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://apply.amerisave.com/quote/v1/cashout?source=151020&leadID=" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://apply.amerisave.com/quote/v1/cashout?source=151020&leadID=" data-component-title="Generic Product Widget" data-product-name="AmeriSave Mortgage" data-product-category="NA" data-product-position="NA" data-product-badge="Advertisement" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="1294082" data-product-id="NA" data-product-segment="NA" data-mktp-link='{"clickText":"Learn More","clickCat":"Primary","clickUrl":"https:\/\/apply.amerisave.com\/quote\/v1\/cashout?source=151020&leadID=","clickType":"external"}' ><span>Learn More </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">On AmeriSave's Website <br>NMLS: #1168 </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="Availability"> <div class="fact-value-wrapper"> <p class="fact-value">49 U.S. States</p> <p class="fact-value-light">Not available in New York</p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Minimum Credit Score"> <div class="fact-value-wrapper"> <p class="fact-value">600</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Loan Minimums"> <div class="fact-value-wrapper"> <p class="fact-value">$60,000 for purchase and refinance; $25,000 for home equity</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"></div> </div> </div> </div> </section> </div> </div> </div> <div id="best_home_equity_loan_lenders_of_november_2024_section" class="article-section toc-section-element toc-element " > <h2>Best Home Equity Loan Lenders of November 2024</h2> <div class="section-content wysiwyg-content blue-bullets "> </div> </div> <hr/> <div id="navy_federal_credit_union_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-mktp-container='{"componentTitle":"Navy Federal Credit Union","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Navy Federal Credit Union","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"1150624","itemName":"Navy Federal Credit Union","itemBrand":"Impact","itemCategory":"Home Equity","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Impact","coupon":"","secondaryCallout":"","starRatings":5,"initialCost":0,"subscriptionCost":0}' id="navy_federal_credit_union"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best Home Equity Loan Lender for Military Members and Veterans</h2> <h3 class="card-title">Navy Federal Credit Union</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://nfcumembership.sjv.io/c/1955282/1821802/20172" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://nfcumembership.sjv.io/c/1955282/1821802/20172" data-component-title="Generic Product Widget" data-product-name="Navy Federal Credit Union" data-product-category="Best Home Equity Loan Lenders Of 2023" data-product-position="NA" data-product-badge="Best Home Equity Loan Lender for Military Members and Veterans" data-product-rating="5" data-product-offer="No" data-wp-postid="1150624" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/nfcumembership.sjv.io\/c\/1955282\/1821802\/20172","partnerName":"Impact"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/05/Navy-Federal-Credit-Union.png" alt="Navy Federal Credit Union"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">5.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 100%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">APRs starting at </p> <div class="fact-value-wrapper"> <p class="fact-value">7.34%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Home equity loan amount </p> <div class="fact-value-wrapper"> <p class="fact-value">$10,000 to $500,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Minimum credit score </p> <div class="fact-value-wrapper"> <p class="fact-value">Does not publicly disclose</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://nfcumembership.sjv.io/c/1955282/1821802/20172" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://nfcumembership.sjv.io/c/1955282/1821802/20172" data-component-title="Generic Product Widget" data-product-name="Navy Federal Credit Union" data-product-category="Best Home Equity Loan Lenders Of 2023" data-product-position="NA" data-product-badge="Best Home Equity Loan Lender for Military Members and Veterans" data-product-rating="5" data-product-offer="No" data-wp-postid="1150624" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/nfcumembership.sjv.io\/c\/1955282\/1821802\/20172","partnerName":"Impact"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/05/Navy-Federal-Credit-Union.png" alt="Navy Federal Credit Union"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://nfcumembership.sjv.io/c/1955282/1821802/20172" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://nfcumembership.sjv.io/c/1955282/1821802/20172" data-component-title="Generic Product Widget" data-product-name="Navy Federal Credit Union" data-product-category="Best Home Equity Loan Lenders Of 2023" data-product-position="NA" data-product-badge="Best Home Equity Loan Lender for Military Members and Veterans" data-product-rating="5" data-product-offer="No" data-wp-postid="1150624" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/nfcumembership.sjv.io\/c\/1955282\/1821802\/20172","partnerName":"Impact"}' ><span>Learn More </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Via Navy Federal Credit Union's Website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="APRs starting at"> <div class="fact-value-wrapper"> <p class="fact-value">7.34%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Home equity loan amount"> <div class="fact-value-wrapper"> <p class="fact-value">$10,000 to $500,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Minimum credit score"> <div class="fact-value-wrapper"> <p class="fact-value">Does not publicly disclose</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Navy Federal Credit Union"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p><a href="https://www.forbes.com/advisor/mortgages/navy-federal-credit-union-home-equity-loan-review/">Navy Federal Credit Union Home Equity </a>allows qualified customers to borrow up to 100% of their home equity, making it an excellent option for military members, veterans and their spouses. Loan amounts range from $10,000 to $500,000, with terms between five and 20 years. Plus, Navy Federal pays all closing costs on home equity loan applications.</p> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Pros & Cons","clickType":"Accordion","referenceText":"Navy Federal Credit Union"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>High loan amounts</li> <li>Borrow up to 100% of your home’s equity</li> <li>No closing costs</li> </ul> </div> <div class="list-points cons"> <ul> <li>Products only available to active military members, veterans and their spouses</li> </ul> </div> </div> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Lender Details","clickType":"Accordion","referenceText":"Navy Federal Credit Union"}'>Lender Details </div> <div class="c-tab--content list-points"> <p><strong>How to apply</strong><br />Borrowers can apply online, by phone, via mobile app or at a branch. Navy Federal home equity loans are available in all 50 states and Washington, D.C. Customer support by phone is available 24/7 in the U.S.</p> <p><strong>Speed<br /></strong>The average time it takes to close a home equity loan with Navy Federal Credit Union ranges between 45 and 55 days.</p> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="discover_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-mktp-container='{"componentTitle":"Discover","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Discover","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"1150640","itemName":"Discover","itemBrand":"Bankrate","itemCategory":"Home Equity","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Bankrate","coupon":"","secondaryCallout":"","starRatings":4.6,"initialCost":0,"subscriptionCost":0}' id="discover"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best Home Equity Loan Lender for Nationwide Availability</h2> <h3 class="card-title">Discover</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" data-component-title="Generic Product Widget" data-product-name="Discover" data-product-category="Best Home Equity Loan Lenders Of 2023" data-product-position="NA" data-product-badge="Best Home Equity Loan Lender for Nationwide Availability" data-product-rating="4.6" data-product-offer="No" data-wp-postid="1150640" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/discover-removebg-preview.png" alt="Discover"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.6</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 90%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">APRs starting at </p> <div class="fact-value-wrapper"> <p class="fact-value">7.79%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Home equity loan amount </p> <div class="fact-value-wrapper"> <p class="fact-value">$35,000 to $300,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Minimum credit score </p> <div class="fact-value-wrapper"> <p class="fact-value">660</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" data-component-title="Generic Product Widget" data-product-name="Discover" data-product-category="Best Home Equity Loan Lenders Of 2023" data-product-position="NA" data-product-badge="Best Home Equity Loan Lender for Nationwide Availability" data-product-rating="4.6" data-product-offer="No" data-wp-postid="1150640" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/discover-removebg-preview.png" alt="Discover"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Compare Rates" data-link-placement="Button Link" data-url="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" data-component-title="Generic Product Widget" data-product-name="Discover" data-product-category="Best Home Equity Loan Lenders Of 2023" data-product-position="NA" data-product-badge="Best Home Equity Loan Lender for Nationwide Availability" data-product-rating="4.6" data-product-offer="No" data-wp-postid="1150640" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><span>Compare Rates </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Compare rates from participating lenders in your area via Bankrate.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="APRs starting at"> <div class="fact-value-wrapper"> <p class="fact-value">7.79%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Home equity loan amount"> <div class="fact-value-wrapper"> <p class="fact-value">$35,000 to $300,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Minimum credit score"> <div class="fact-value-wrapper"> <p class="fact-value">660</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Discover"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p><a href="https://www.forbes.com/advisor/home-equity/discover-home-equity-loans-review/">Discover Home Equity </a>stood out to us because it offers home equity mortgage products in all states except Iowa and Maryland, which is a far reach for a home equity lender.</p> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Pros & Cons","clickType":"Accordion","referenceText":"Discover"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Available in nearly every state</li> <li>No closing costs</li> <li>90% combined loan-to-value (CLTV) limit</li> </ul> </div> <div class="list-points cons"> <ul> <li>Doesn’t offer home equity products in certain states or in any U.S. territories</li> </ul> </div> </div> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Lender Details","clickType":"Accordion","referenceText":"Discover"}'>Lender Details </div> <div class="c-tab--content list-points"> <p><strong>How to apply</strong><br />Borrowers can apply for a Discover home equity loan online. Discover’s home equity products are unavailable in Iowa, Maryland and all U.S. territories. Phone support is available seven days a week.</p> <p><strong>Speed</strong><br />The average time it takes to close a home equity loan with Discover is 55 days.</p> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="rocket_mortgage_section" class="article-section toc-section-element toc-element hide-section-title" > <div class="section-content wysiwyg-content blue-bullets "> <div data-mktp-container='{"componentTitle":"Rocket Mortgage","componentType":"Generic Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-mktp-container='{"componentTitle":"Rocket Mortgage","componentType":"Generic Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-mktp-product='{"itemId":"1150682","itemName":"Rocket Mortgage","itemBrand":"Bankrate","itemCategory":"Home Equity","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Bankrate","coupon":"","secondaryCallout":"","starRatings":4.2,"initialCost":0,"subscriptionCost":0}' id="rocket_mortgage"> <div class="featured-widget-label"></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best Home Equity Loan Lender for Online Application Process</h2> <h3 class="card-title">Rocket Mortgage</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" data-component-title="Generic Product Widget" data-product-name="Rocket Mortgage" data-product-category="Best Home Equity Loan Lenders Of 2023" data-product-position="NA" data-product-badge="Best Home Equity Loan Lender for Online Application Process" data-product-rating="4.2" data-product-offer="No" data-wp-postid="1150682" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/rocket-mortgage-1-1.png" alt="Rocket Mortgage"></a></div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.2</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"><img decoding="async" loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"><span class="icon-tooltip icon-info"></span></div> </div> <div class="card-rating-tooltip">Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team.</div> </div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="">APRs starting at </p> <div class="fact-value-wrapper"> <p class="fact-value">Does not publicly disclose</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Home equity loan amount </p> <div class="fact-value-wrapper"> <p class="fact-value">$45,000 to $350,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="">Minimum credit score </p> <div class="fact-value-wrapper"> <p class="fact-value">680</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" data-component-title="Generic Product Widget" data-product-name="Rocket Mortgage" data-product-category="Best Home Equity Loan Lenders Of 2023" data-product-position="NA" data-product-badge="Best Home Equity Loan Lender for Online Application Process" data-product-rating="4.2" data-product-offer="No" data-wp-postid="1150682" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2022/01/rocket-mortgage-1-1.png" alt="Rocket Mortgage"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Compare Rates" data-link-placement="Button Link" data-url="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" data-component-title="Generic Product Widget" data-product-name="Rocket Mortgage" data-product-category="Best Home Equity Loan Lenders Of 2023" data-product-position="NA" data-product-badge="Best Home Equity Loan Lender for Online Application Process" data-product-rating="4.2" data-product-offer="No" data-wp-postid="1150682" data-product-id="NA" data-product-segment="NA" data-mktp-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><span>Compare Rates </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">Compare rates from participating lenders in your area via Bankrate.com </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="APRs starting at"> <div class="fact-value-wrapper"> <p class="fact-value">Does not publicly disclose</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Home equity loan amount"> <div class="fact-value-wrapper"> <p class="fact-value">$45,000 to $350,000</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Minimum credit score"> <div class="fact-value-wrapper"> <p class="fact-value">680</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Rocket Mortgage"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p><a href="https://www.forbes.com/advisor/mortgages/rocket-mortgage-review/">Rocket Mortgage</a> is our pick as the best online home equity lender due to its nationwide availability and top-notch online application process.</p> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Pros & Cons","clickType":"Accordion","referenceText":"Rocket Mortgage"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Fully online lender</li> <li>90% CLTV limit</li> <li>Easily accessible customer service</li> </ul> </div> <div class="list-points cons"> <ul> <li>High minimum credit score and loan amount requirements</li> <li>Must pay closing costs</li> </ul> </div> </div> </div> <div class="accordion-tab " data-mktp-misc-click='{"clickText":"Lender Details","clickType":"Accordion","referenceText":"Rocket Mortgage"}'>Lender Details </div> <div class="c-tab--content list-points"> <p><strong>How to apply</strong><br />Borrowers can apply for a Rocket Mortgage home equity loan online. Rocket Mortgage home equity loans are available in every state except Texas. Phone and chat support is available seven days a week.</p> <p><strong>Speed</strong><br />The average time it takes to close a home equity loan with Rocket Mortgage is about 45 days.</p> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div id="summary_best_home_equity_loan_lenders_section" class="article-section toc-section-element toc-element " > <h2>Summary: Best Home Equity Loan Lenders</h2> <div class="section-content wysiwyg-content blue-bullets "> <div class="mkpl-shortcode-instance variation-2" data-custom-value="mkpl-tables-1262513" data-variation="variation-2" data-mktp-container='{"componentTitle":"","componentType":"Marketplace Table"}'> <div class="mkpl-mobile-table-container" style="display: none"> <div class="mkpl-table-inner-container"> <div class="mkpl-mobile-table-scroll"> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://nfcumembership.sjv.io/c/1955282/1821802/20172" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/nfcumembership.sjv.io\/c\/1955282\/1821802\/20172","partnerName":"Impact"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/05/Navy-Federal-Credit-Union.png" class="mkpl-product-image" alt="Navy Federal Credit Union" /></a></div><div class="mkpl-product-name primary-font"><a href="https://nfcumembership.sjv.io/c/1955282/1821802/20172" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Navy Federal Credit Union","clickUrl":"https:\/\/nfcumembership.sjv.io\/c\/1955282\/1821802\/20172","partnerName":"Impact"}' >Navy Federal Credit Union</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://nfcumembership.sjv.io/c/1955282/1821802/20172" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/nfcumembership.sjv.io\/c\/1955282\/1821802\/20172","partnerName":"Impact"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Via Navy Federal Credit Union’s Website</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Aprs Starting At </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>7.34%</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Home Equity Loan Amount </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>$10,000 to $500,000</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Minimum Credit Score </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>Does not publicly disclose</div></div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/discover.png" class="mkpl-product-image" alt="Discover" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Discover","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' >Discover</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.6</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare rates from participating lenders in your area via Bankrate.com</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Aprs Starting At </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>7.79%</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Home Equity Loan Amount </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>$35,000 to $300,000</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Minimum Credit Score </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>660</div></div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/01/rocket-mortgage-1-1.png" class="mkpl-product-image" alt="Rocket Mortgage" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Rocket Mortgage","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' >Rocket Mortgage</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.2</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare rates from participating lenders in your area via Bankrate.com</p></div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Aprs Starting At </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>Does not publicly disclose</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Home Equity Loan Amount </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>$45,000 to $350,000</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Minimum Credit Score </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"><div>680</div></div> </div> </div> </div> </div> </div> </div> <div class="mkpl-desktop-table-container" style="display: none" id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="6" class="mkpl-marketplace_tables table style-1" style="text-align: left"> <tr class="thead" style=""> <th width="10%" style="text-align: left" class="primary-font"> COMPANY </th> <th width="10%" style="text-align: left" class="primary-font"> FORBES ADVISOR RATING </th> <th width="10%" style="text-align: left" class="primary-font"> APRS STARTING AT </th> <th width="10%" style="text-align: left" class="primary-font"> HOME EQUITY LOAN AMOUNT </th> <th width="10%" style="text-align: left" class="primary-font"> MINIMUM CREDIT SCORE </th> <th width="15%" style="text-align: left" class="primary-font"> LEARN MORE </th> </tr> <tr style="background-color: #f8f8f8"> <td width="10%" width="10%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://nfcumembership.sjv.io/c/1955282/1821802/20172" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/nfcumembership.sjv.io\/c\/1955282\/1821802\/20172","partnerName":"Impact"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/05/Navy-Federal-Credit-Union.png" class="mkpl-product-image" alt="Navy Federal Credit Union" /></a></div><div class="mkpl-product-name primary-font"><a href="https://nfcumembership.sjv.io/c/1955282/1821802/20172" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Navy Federal Credit Union","clickUrl":"https:\/\/nfcumembership.sjv.io\/c\/1955282\/1821802\/20172","partnerName":"Impact"}' >Navy Federal Credit Union</a></div></div> </td> <td width="10%" width="10%" class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">5.0</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td width="10%" width="10%" class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>7.34%</div></div> </td> <td width="10%" width="10%" class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$10,000 to $500,000</div></div> </td> <td width="10%" width="10%" class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Does not publicly disclose</div></div> </td> <td width="15%" width="15%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://nfcumembership.sjv.io/c/1955282/1821802/20172" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/nfcumembership.sjv.io\/c\/1955282\/1821802\/20172","partnerName":"Impact"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Via Navy Federal Credit Union’s Website</p></div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td width="10%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/discover.png" class="mkpl-product-image" alt="Discover" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Discover","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' >Discover</a></div></div> </td> <td width="10%" class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.6</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td width="10%" class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>7.79%</div></div> </td> <td width="10%" class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$35,000 to $300,000</div></div> </td> <td width="10%" class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>660</div></div> </td> <td width="15%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare rates from participating lenders in your area via Bankrate.com</p></div></div> </td> </tr> <tr style="background-color: #f8f8f8"> <td width="10%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/01/rocket-mortgage-1-1.png" class="mkpl-product-image" alt="Rocket Mortgage" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" class="primary-font" data-mktp-conversion='{"clickText":"Rocket Mortgage","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' >Rocket Mortgage</a></div></div> </td> <td width="10%" class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account interest rates, lender fees, loan types, discounts, accessibility, borrower requirements and other attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.2</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td width="10%" class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>Does not publicly disclose</div></div> </td> <td width="10%" class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>$45,000 to $350,000</div></div> </td> <td width="10%" class=" wysiwyg-editor" > <div class="cell-content primary-font"><div>680</div></div> </td> <td width="15%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/he-link-forbes/?sub-id=best-home-equity-loan-lenders" rel="nofollow" target="_blank" data-mktp-conversion='{"clickText":"Compare Rates","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/he-link-forbes\/?sub-id=best-home-equity-loan-lenders","partnerName":"Bankrate"}' ><span class="primary-font">Compare Rates</span></a></div><div class="mkpl-cta-subtext primary-font"><p>Compare rates from participating lenders in your area via Bankrate.com</p></div></div> </td> </tr> </table> <div class="mkpl-table-navigation-arrows" data-mktp-misc-click='{"clickText":"Silder","clickType":"Button","referenceText":""}' > <button type="button" id="left-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow"> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button type="button" class="primary-font" id="seeMoreBtn" style="display: none;" data-mktp-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button type="button" class="primary-font" id="seeLessBtn" style="display: none;" data-mktp-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> </div> </div> <hr/> <div id="tips_for_comparing_home_equity_loans_section" class="article-section toc-section-element toc-element " > <h2>Tips for Comparing Home Equity Loans</h2> <div class="section-content wysiwyg-content blue-bullets "> <div class="accordion-container" data-mktp-container='{"componentTitle":"","componentType":"Accordion"}'> <div class="accordion-item " data-mktp-misc-click='{"clickText":"Shop around","clickType":"Accordion","referenceText":""}'> <div class="accordion-item__title wysiwyg-content"> <h3 class="accordion-item__title-text">Shop around </h3> </div> <div class="accordion-item__content wysiwyg-content" style="display: none"> <p>As with any major purchase or loan, you may not get the best deal if you don’t shop around. Applying for home equity loans with multiple lenders could help you get a lower rate or lower fees. It could also expand the amount of equity you’re able to borrow.</p> </div> </div> <div class="accordion-item " data-mktp-misc-click='{"clickText":"Get the Loan Estimate","clickType":"Accordion","referenceText":""}'> <div class="accordion-item__title wysiwyg-content"> <h3 class="accordion-item__title-text">Get the Loan Estimate </h3> </div> <div class="accordion-item__content wysiwyg-content" style="display: none"> <p>For every application you submit, the lender will give you an official <a href="https://www.forbes.com/advisor/mortgages/mortgage-loan-estimate/">Loan Estimate </a>with an interest rate and an itemized breakdown of costs. Getting at least three loan estimates gives you the opportunity to choose the best of several offers. You may even be able to use the best estimate to negotiate a better deal with another lender. Plus, you’ll get a sense of how fast and responsive each lender is.</p> </div> </div> <div class="accordion-item " data-mktp-misc-click='{"clickText":"Compare APRs","clickType":"Accordion","referenceText":""}'> <div class="accordion-item__title wysiwyg-content"> <h3 class="accordion-item__title-text">Compare APRs </h3> </div> <div class="accordion-item__content wysiwyg-content" style="display: none"> <p>You’ll also want to compare annual percentage rates (APRs), which more accurately represent the total cost of the loan, as well as customer reviews of the lender.</p> </div> </div> <div class="accordion-item " data-mktp-misc-click='{"clickText":"Ask yourself what type of loan experience you want","clickType":"Accordion","referenceText":""}'> <div class="accordion-item__title wysiwyg-content"> <h3 class="accordion-item__title-text">Ask yourself what type of loan experience you want </h3> </div> <div class="accordion-item__content wysiwyg-content" style="display: none"> <p>When <a href="https://www.forbes.com/advisor/mortgages/how-to-choose-a-mortgage-lender/">evaluating home equity lenders</a>, consider what type of loan experience you want (online or in-person), how much equity each lender requires you to have and what fees and commissions they charge. You should also look at online reviews to get a sense of how satisfied customers tend to be with the lender’s service.</p> </div> </div> </div> </div> </div> <hr/> <div id="what_should_borrowers_consider_when_choosing_a_home_equity_loan_section" class="article-section toc-section-element toc-element " > <h2>What should borrowers consider when choosing a home equity loan?</h2> <div class="section-content wysiwyg-content blue-bullets "> <section id="What-should-borrowers-consider-when-choosing-a-home-equity-loan" class="ask-the-expert-block exclude-eds ate-block-id-130679267472ba1160a1 p-16px pt-12px border-askTheExpert-accent border-t-4 shadow-askTheExpertBlock rounded-12px text-black900 lg:p-40px lg:pt-36px my-20px lg:my-24px" data-mktp-container='{"componentTitle":"What should borrowers consider when choosing a home equity loan?","componentType":"Ask The Expert"}'> <div class="ask-the-expert-titles-wrapper font-euclidcircularb"> <p class="ate-widget-subheading">Ask an expert</p> <h2 class="ate-widget-main-heading">What should borrowers consider when choosing a home equity loan?</h2> </p></div> <div class="flex flex-col lg:flex-row lg:h-254px"> <div class="expert-card-wrapper flex overflow-x-auto rounded-4px mb-4px lg:flex-col lg:mb-0 lg:mr-4px lg:flex-1 lg:max-w-320px"> <div id="author_01133291" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 active" data-card='01133291' data-parent-id='130679267472ba1160a1' data-mktp-misc-click='{"clickText":"Scott Bridges","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/Scott-Bridges.png alt="Scott Bridges" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Scott Bridges</p> <p class="expert-designation">Senior Managing Director at Pennymac</p> </p></div> </p></div> <div id="author_11236319" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='11236319' data-parent-id='130679267472ba1160a1' data-mktp-misc-click='{"clickText":"James Sias","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/07/James.png alt="James Sias" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">James Sias</p> <p class="expert-designation">Head of Mortgage Revenue at Fifth Third Bank </p> </p></div> </p></div> <div id="author_21306786" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='21306786' data-parent-id='130679267472ba1160a1' data-mktp-misc-click='{"clickText":"Sarah Alvarez","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/09/Sarah-Alvarez.png alt="Sarah Alvarez" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Sarah Alvarez</p> <p class="expert-designation">Vice President, Mortgage Banking at William Raveis Mortgage</p> </p></div> </p></div> </p></div> <div class="expert-details-wrapper flex overflow-hidden rounded-4px bg-askTheExpert-activeTab w-full"> <div id="authorContent_01133291" class="expert-details-content flex"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3"> </h3> <div class="expert-description pr-8px"> <p>When choosing a home equity loan, a potential borrower should determine how much money they need to borrow and how quickly it needs to be repaid. Longer long terms do equate to lower monthly payments, but they also have increased amounts of interest paid over the life of the loan.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/advisory-board/loans/scott-bridges/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-mktp-link='{"clickText":"Scott Bridges","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/loans\/scott-bridges\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/05/Scott-Bridges.png alt="Scott Bridges" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/advisory-board/loans/scott-bridges/" target="_blank" data-mktp-link='{"clickText":"Scott Bridges","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/loans\/scott-bridges\/","clickType":"internal"}'>Scott Bridges</a></p> <p class="expert-designation">Senior Managing Director at Pennymac</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_11236319" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3"> </h3> <div class="expert-description pr-8px"> <p>Whether a home equity loan is the right choice for you depends on your individual financial circumstances and goals. Interest on a home equity loan may be tax-deductible if the loan is used for home improvements. Borrowers should consult a tax advisor to understand how current tax laws apply to their situation.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/advisory-board/loans/james-sias/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-mktp-link='{"clickText":"James Sias","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/loans\/james-sias\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/07/James.png alt="James Sias" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/advisory-board/loans/james-sias/" target="_blank" data-mktp-link='{"clickText":"James Sias","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/loans\/james-sias\/","clickType":"internal"}'>James Sias</a></p> <p class="expert-designation">Head of Mortgage Revenue at Fifth Third Bank </p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_21306786" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h3 class="expert-description-title h3"> </h3> <div class="expert-description pr-8px"> <p>It’s very important that anyone considering a home equity loan spends time talking to different lenders or, to save time, works with a mortgage broker with access to many different lenders. The offerings are constantly shifting, and not all products are the same. For example, some lenders offer a reduced introductory rate or will cover closing costs to sweeten the deal.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/advisory-board/loans/sarah-alvarez/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-mktp-link='{"clickText":"Sarah Alvarez","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/loans\/sarah-alvarez\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/09/Sarah-Alvarez.png alt="Sarah Alvarez" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/advisory-board/loans/sarah-alvarez/" target="_blank" data-mktp-link='{"clickText":"Sarah Alvarez","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/loans\/sarah-alvarez\/","clickType":"internal"}'>Sarah Alvarez</a></p> <p class="expert-designation">Vice President, Mortgage Banking at William Raveis Mortgage</p> </p></div> </p></div> </p></div> </p></div> </p></div> </p></div> </section> <div data-mktp-container='{"componentTitle":"Myfi Static Mortgage Purchase Mp","componentType":"MyFinance-External Widget-MyFinance Static Js Widget"}' > <div class="myFinance-widget" data-widget-id="a09cca16-8248-4b14-a34e-0204ef6e2b84" data-campaign="forbes-mtg-purch-filter"data-mktp-external-widget='{"tid":"tid_value","partnerName":"MyFinance","referenceText":"Forbes Mtg Purch Filter"}'></div> </p></div> </div> </div> <hr/> <div id="the_complete_guide_to_home_equity_loans_section" class="article-section toc-section-element toc-element " > <h2>The Complete Guide to Home Equity Loans</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><a href="#what_is_a_home_equity_loan_section">What Is a Home Equity Loan?</a></li> <li><a href="#how_do_home_equity_loans_work_section">How Do Home Equity Loans Work?</a></li> <li><a href="#closing_costs_for_home_equity_loans_section">Closing Costs for Home Equity Loans</a></li> <li><a href="#home_equity_loan_requirements_section">Home Equity Loan Requirements</a></li> <li><a href="#pros_cons_of_home_equity_loans_section">Pros & Cons of Home Equity Loans</a></li> <li><a href="#how_to_choose_the_best_home_equity_loan_lender_section">How To Choose the Best Home Equity Loan Lender</a></li> <li><a href="#how_to_get_a_home_equity_loan_section">How To Get a Home Equity Loan</a></li> <li><a href="#alternative_ways_to_get_equity_out_of_your_home_section">Alternative Ways To Get Equity Out of Your Home</a></li> <li><a href="#recap_best_home_equity_loan_lenders_of_2024_section">Recap: Best Home Equity Loan Lenders</a></li> <li><a href="#methodology_section">Methodology</a></li> <li><a href="#frequently_asked_questions_faqs_section">Frequently Asked Questions (FAQs)</a></li> </ul> </div> </div> <hr/> <div id="what_is_a_home_equity_loan_section" class="article-section toc-section-element toc-element " > <h2>What Is a Home Equity Loan?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>A home equity loan is a type of financing that leverages the equity you have accumulated in your home. The lender decides how much you can borrow based on the amount of equity you have in your home. Most lenders won’t lend you the full amount of your equity, as this increases their risk.</p> <p>If you’re approved, the lender will create a second mortgage and cut you a check for the full loan amount. You can then use the cash however you wish. This can be a good option if you know exactly how much you need to borrow.</p> <p>Note that your home is used as collateral in a home equity loan. If you fail to make payments, you could lose your home to foreclosure.</p> </div> </div> <hr/> <div id="how_do_home_equity_loans_work_section" class="article-section toc-section-element toc-element " > <h2>How Do Home Equity Loans Work?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>A home equity loan is a fixed-rate loan dispersed as a single lump sum. Terms range between five and 30 years, and you’ll repay the loan in equal <a href="https://www.forbes.com/advisor/loans/what-is-an-installment-loan/">installments</a> with interest over time. Lenders typically require you to have 20% equity in your home and let you borrow up to 80% of the home’s appraised value, though some may go as high as 90%.</p> <p>To give you an idea of how this works, let’s assume your house is valued at $500,000 and your mortgage balance is $100,000.</p> <p>Your home equity lender allows you to borrow up to 80% of the home’s value, which in this case is $400,000 (80% of $500,000). Once you subtract your current mortgage balance of $100,000, you have a final value of $300,000. This is the maximum amount of equity you can borrow with this lender.</p> <h3>How Is Home Equity Calculated?</h3> <p>To calculate your home equity, subtract your current mortgage balance from your home’s <a href="https://www.forbes.com/advisor/mortgages/how-home-appraisals-work/">appraisal value</a>. For example:</p> <p style="text-align: center;"><strong>$350,000 home value – $250,000 loan balance = $100,000 home equity</strong></p> <p>You can quickly estimate your borrowing potential with our <a href="https://www.forbes.com/advisor/home-equity/home-equity-loan-calculator/">home equity loan calculator</a>.</p> </div> </div> <hr/> <div id="closing_costs_for_home_equity_loans_section" class="article-section toc-section-element toc-element " > <h2>Closing Costs for Home Equity Loans</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Closing costs for a home equity loan can range from 2% to 5% of the loan amount. However, home equity lenders commonly waive these fees. While home equity loan closing costs can be similar to a home purchase loan or refinance, the total fee amount is generally lower since you’re financing a smaller balance. Typical expenses include an appraisal fee, an origination fee, and fees for document preparation, credit report inquiries and title searches.</p> <div class="pro-tip pro-tip-wrapper"> <div class="pro-tip__heading"><span class="icon"></span><span class="text">Pro Tip</span></div> <div class="pro-tip__content">Home equity loan lenders provide the money you need upfront with a fixed interest rate and monthly payment, although your total borrowing costs can vary. Get preapproved with a few different lenders and compare APRs and closing costs. Doing so makes it easier to find the best and most affordable loan for your financial situation.</div> </div> </div> </div> <hr/> <div id="home_equity_loan_requirements_section" class="article-section toc-section-element toc-element " > <h2>Home Equity Loan Requirements</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Eligibility requirements for a home equity loan vary from lender to lender. However, all lenders look for responsible, low-risk individuals.</p> <p>These are generally the benchmarks that most lenders expect borrowers to meet:</p> <ul> <li>620 credit score (some lenders may require a minimum of 680)</li> <li>Proof of stable and sustainable income from the past two years</li> <li>At least 80% equity in your property</li> <li><a href="https://www.forbes.com/advisor/mortgages/what-is-my-debt-to-income-ratio/#:~:text=What%20Is%20Debt%2Dto%2DIncome,is%20expressed%20as%20a%20percentage.">Debt-to-income (DTI) ratio</a> no higher than 43%</li> <li>Excellent financial history</li> <li>Proof of <a href="https://www.forbes.com/advisor/homeowners-insurance/best-homeowners-insurance-companies/">homeowners insurance</a></li> </ul> <h3>How Long Does It Take To Get a Home Equity Loan?</h3> <p>You can potentially close on your home equity loan in a couple of weeks. However, this is often a best-case scenario. It’s not uncommon for this process to take up to two months.</p> <p>Other factors, such as the timing of the home appraisal and underwriting process, are less in your control. Timelines for these processes can vary widely depending on the appraiser and lender.</p> </div> </div> <hr/> <div id="pros_cons_of_home_equity_loans_section" class="article-section toc-section-element toc-element " > <h2>Pros & Cons of Home Equity Loans</h2> <div class="section-content wysiwyg-content blue-bullets "> <h3>Pros of Home Equity Loans</h3> <ul> <li><strong>Tap into your home’s equity. </strong>A home equity loan allows you to access built-up equity in your property and turn it into cash.</li> <li><strong>Use for almost any expense.</strong> You can use the funds from a home equity loan to cover almost anything you’d like, such as education expenses, renovations, medical bills and more.</li> <li><strong>Fixed rates.</strong> Home equity loans usually come with fixed rates, which means your payments will stay the same throughout the life of the loan.</li> </ul> <h3>Cons of Home Equity Loans</h3> <ul> <li><strong>Acts as a second mortgage.</strong> If you take out a home equity loan and haven’t paid off your first mortgage yet, you’ll have to make payments on both loans at the same time.</li> <li><strong>Can’t reborrow against the loan.</strong> If you end up needing more money than you expected, you’ll have to get another loan.</li> <li><strong>Risk of foreclosure.</strong> If you can’t keep up with your home equity loan payments, you risk losing your house.</li> </ul> </div> </div> <hr/> <div id="how_to_choose_the_best_home_equity_loan_lender_section" class="article-section toc-section-element toc-element " > <h2>How To Choose the Best Home Equity Loan Lender</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Consider these factors when surveying the <a href="https://www.forbes.com/advisor/home-equity/best-home-equity-loan-lenders/">best lenders for home equity loans</a>:</p> <ul> <li><strong>Interest rate.</strong> Seek out the lowest interest rate for your desired loan amount and repayment term by comparing quotes from several lenders. This will help reduce your loan’s overall cost.</li> <li><strong>Fees.</strong> Choosing a lender with low or no closing costs can reduce your upfront expenses and minimize your total borrowing costs.</li> <li><strong>Customer service.</strong> Consider working with a lender that offers you the best customer service, which includes answering any questions you might have comprehensively and in a timely manner.</li> </ul> </div> </div> <hr/> <div id="how_to_get_a_home_equity_loan_section" class="article-section toc-section-element toc-element " > <h2>How To Get a Home Equity Loan</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>If you want to take out a home equity loan, follow these steps:</p> <ol> <li><strong>Check your credit. </strong>When you apply for a <a href="https://www.forbes.com/advisor/home-equity/is-a-home-equity-loan-a-good-idea/">home equity loan</a>, the lender will review your credit to determine if you qualify and what interest rate you’ll get—so it’s a good idea to check your credit beforehand to see where you stand. You’ll usually need a credit score of at least 620. While there are also lenders that accept lower scores than this, you will likely end up with a higher interest rate, and you might need to demonstrate a higher amount of income and greater amount of equity to get approved.</li> <li><strong>Compare lenders and pick an option. </strong>Shop around and compare as many lenders as possible to find a loan that suits your needs. You might start by reaching out to your current lender, but be sure to consider other lenders, too, such as the ones we’ve listed above. Keep in mind, though, that fewer lenders offer home equity loans compared to HELOCs. Afterward, pick the option that works best for you.</li> <li><strong>Fill out the application.</strong> Once you’ve chosen a lender, you’ll need to fill out a full application and provide any required documentation, such as tax returns or pay stubs.</li> <li><strong>Get your funds.</strong> If you’re approved, the lender will have you sign for the loan so the funds can be released to you. You can generally expect the process from applying to closing on the loan to take anywhere from two weeks to two months.</li> </ol> </div> </div> <hr/> <div id="alternative_ways_to_get_equity_out_of_your_home_section" class="article-section toc-section-element toc-element " > <h2>Alternative Ways To Get Equity Out of Your Home</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>There are a few ways you can access the equity in your home without selling it.</p> <h3>Cash-Out Refinance</h3> <p>A cash-out refinance replaces your original mortgage with a new, larger one. The new loan pays off your old loan and covers your new closing costs. The remaining cash gets transferred to your bank account.</p> <p>This option can make sense when you don’t like your existing mortgage—perhaps because the interest rate is too high or it’s an <a href="https://www.forbes.com/advisor/mortgages/what-is-an-fha-loan/">Federal Housing Administration (FHA) loan</a> with permanent mortgage insurance premiums. If you can qualify for a cash-out refinance loan with a good rate, the closing costs might be worth it. If not, a home equity loan could be a better choice.</p> <h3>Home Co-Investing</h3> <p>Home co-investing, also called equity sharing or shared appreciation, allows you to sell a portion of your interest in your home to an investor and receive cash that you can use however you want. That investor could be an individual, but more likely, it’ll be a company that either invests itself or connects you with investors. Examples include Unison, Point, Hometap, HomePace, EquiFi and Unlock.</p> <p>Since it’s not a loan, you don’t have to pay the money back. When you sell your home, the investor gets its money back, adjusted up or down by a share of the change in your home’s value. Depending on the investor, you’ll typically have up to 10 years, 30 years or a lifetime to exit the agreement. Exiting means selling your home, refinancing it or tapping your savings to repay the investor based on your home’s value at that time.</p> <h3>Home Equity Line of Credit (HELOC)</h3> <p>A <a href="https://www.forbes.com/advisor/home-equity/heloc-vs-home-equity-loan/">home equity line of credit</a> (HELOC) can be a good option for construction, home renovations or other expenses that you’ll pay over time. Similar to a credit card, a HELOC lets you borrow as much or as little of your available credit as you want; you don’t have to borrow a lump sum all at once. And HELOC closing costs can be minimal as long as you don’t close your line of credit within 36 months of opening it.</p> <p>Many HELOCs also let you make interest-only payments during your first several years of borrowing, which is called the draw period. Once the draw period ends and the repayment period begins, which can be as long as 20 years, you’ll repay both the interest and principal. Unlike a home equity loan, the interest rate is variable, which means your monthly payments can change.</p> </div> </div> <hr/> <div id="recap_best_home_equity_loan_lenders_of_2024_section" class="article-section toc-section-element toc-element " > <h2>Recap: Best Home Equity Loan Lenders of 2024</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li>Best Home Equity Loan Lender for Military Members and Veterans: <a href="#navy_federal_credit_union_section">Navy Federal Credit Union</a></li> <li>Best Home Equity Loan Lender for Nationwide Availability: <a href="#discover_section">Discover</a></li> <li>Best Home Equity Loan Lender for Online Application Process: <a href="#rocket_mortgage_section">Rocket Mortgage</a></li> </ul> </div> </div> <hr/> <div id="methodology_section" class="article-section toc-section-element toc-element " > <h2>Methodology</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>We graded the best home equity lenders based on features that have a meaningful impact on the cost of a home equity loan and a borrower’s experience, including interest rates, loan options, minimum credit score, accessibility, closing time and customer service.</p> <p>We award bonus points if a lender waives all or a portion of the closing costs on its home equity loans, provides a specialty rate discount or offers customizable terms for its home equity loans.</p> <p>Our scoring method is broken down as follows:</p> <ul> <li><strong>Interest rate.</strong> 20%</li> <li><strong>Accessibility.</strong> 20%</li> <li><strong>Customer service experience.</strong> 20%</li> <li><strong>Time to close.</strong> 20%</li> <li><strong>Loan options.</strong> 10%</li> <li><strong>Minimum credit score.</strong> 10%</li> <li><strong>Bonus points.</strong> Up to 15 points</li> </ul> <p>We chose to focus on these core elements to bring forward lenders that offer the most competitive rates while also providing a satisfactory customer experience accessible to borrowers of all financial backgrounds. We believe this scoring system best reflects consumers’ top priorities when comparison shopping for mortgage lenders.</p> <p>To learn more about our rating and review methodology and editorial process, check out our guide on <a href="https://www.forbes.com/advisor/mortgages/lender-review-methodology/">How Forbes Advisor Reviews Mortgage Lenders</a>.</p> </div> </div> <hr/><div id="frequently_asked_questions_faqs_section" class="faq-section article-section toc-section-element toc-element"> <h2 class="title"> Frequently Asked Questions (FAQs) </h2> <div class="main-faqs faq-2021 faq-v2" data-mktp-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'> <div class="faqs" data-mktp-misc-click='{"clickText":"How much can you borrow on a home equity loan?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">How much can you borrow on a home equity loan?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Because your home is being used as collateral for the loan, lenders will not permit you to borrow more than the equity you have in your home.</p> <p> </p> <p>In general, lenders will approve loaning up to a maximum of 80% to 85% of your <a href="https://www.forbes.com/advisor/mortgages/loan-to-value-ratio/">combined loan-to-value (CLTV) ratio</a>. CLTV is the measurement that takes into account what you still owe on your first mortgage and subtracts that amount from the appraised value of your home to determine the maximum amount of money you can borrow.</p> <p> </p> <p>For example, if your home is appraised at $500,000 and you still owe $100,000 on your first mortgage, this means you have $400,000 in home equity. If your lender only allows for a maximum CLTV of 80% on its home equity loans, this means you could borrow no more than $320,000.</p> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"Is home equity loan interest tax deductible?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Is home equity loan interest tax deductible?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Possibly. You might be able to deduct the interest you pay on a home equity loan if you use the proceeds to “buy, build or substantially improve the home,” according to the IRS. It’s a good idea to check the specifics with a tax professional to see if this option is available to you.</p> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"Can you use a home equity loan for anything?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Can you use a home equity loan for anything?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Yes, you can <a href="https://www.forbes.com/advisor/home-equity/use-home-equity-to-purchase-home/">use the proceeds of a home equity loan</a> to cover pretty much any expense. However, some uses might make more financial sense than others. For example, if you want to pay for higher education, it could be a better idea to look into targeted <a href="https://www.forbes.com/advisor/student-loans/best-private-student-loans/">student loan products</a> that don’t require using your home as collateral.</p> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"Can you refinance a home equity loan?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Can you refinance a home equity loan?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Yes, you can <a href="https://www.forbes.com/advisor/home-equity/refinance-home-equity-loan/">refinance a home equity loan</a>, either by paying off the loan with a new home equity loan or HELOC or by rolling the balance into a larger first mortgage. You might opt to refinance if you can qualify for a lower interest rate, want to pay off the loan faster or can take advantage of other more favorable terms.</p> <p> </p> <p>Keep in mind that just like when you first get a home equity loan, you’ll pay closing costs to refinance the loan—so be sure to take this into account when deciding if refinancing is the right move.</p> <p><strong><br /> See: </strong><a href="https://www.forbes.com/advisor/home-equity/how-much-money-can-you-borrow-with-a-heloc/">How Much HELOC Money Can I Get?</a></p> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"What is the three-day cancellation rule?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What is the three-day cancellation rule?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>The three-day cancellation rule is a term for the <a href="https://www.forbes.com/advisor/mortgages/right-of-rescission/">right of rescission</a>—a consumer protection provided by the federal Truth in Lending Act. Under this law, you have three business days to walk away from a home equity loan after you’ve signed for it for any reason and without penalty.</p> <p> </p> <p>If you decide to cancel your loan, you must inform the lender in writing by mail or delivery before midnight on the third business day. For more information, visit the <a href="https://consumer.ftc.gov/articles/home-equity-loans-and-home-equity-lines-credit#cancellationrule" rel="nofollow">Federal Trade Commission website</a>.</p> </div> </div> </div> </div> <hr/> <div id="next_up_in_home_equity_section" class="article-section toc-section-element toc-element " > <h2>Next Up In Home Equity</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><a href="https://www.forbes.com/advisor/home-equity/is-a-home-equity-loan-a-good-idea/">Is A Home Equity Loan A Good Idea?</a></li> <li><a href="https://www.forbes.com/advisor/home-equity/best-ways-tap-home-equity/">Best Ways To Tap Your Home Equity</a></li> <li><a href="https://www.forbes.com/advisor/home-equity/interest-only-heloc/">Interest-Only HELOC Ultimate Guide</a></li> <li><a href="https://www.forbes.com/advisor/home-equity/what-is-a-home-equity-line-of-credit/">What Is A Home Equity Line Of Credit?</a></li> <li><a href="https://www.forbes.com/advisor/home-equity/ways-to-get-best-heloc-rates/">Ways To Get The Best HELOC Rates</a></li> </ul> </div> </div> <hr/> </div> </div> </div> </div> <div class="article__editors-note article__editors-note-bottom"> Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="contrib bottom-contrib-block"> <style> .article__author-bio-top .author__block{display: flex; align-items: center;} .article__author-bio-top .author__block-content { font-family: 'Work Sans', sans-serif;} .article__author-bio-top .author__block-content .author__block-name{padding-right: 10px; font-weight: 500;} .article__author-bio-top .author__block-content .author__block-role{margin-left: 0; width:auto; max-width: 100%; white-space: nowrap; overflow: hidden; text-overflow: ellipsis;} .article__author-bio-bottom > p > a { color: #003891;} .article__author-bio-bottom > p > a:hover { text-decoration: underline;} .article__author-bio-bottom > p > strong, .article__author-bio-bottom > p > b { font-weight: bold;} .article__author-bio-bottom > p > s, .article__author-bio-bottom > p > strike { text-decoration: strike-through;} </style> <div class="article__author-bio" data-mktp-container='{"componentTitle":"","componentType":"Author Bio"}'> <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block author__block-no-border author__block-no-margin"> <div class="author__block-image-wrap"> <a href="https://www.forbes.com/advisor/author/jpatoka/" title="Josh Patoka" target="_blank" data-mktp-link='{"clickText":"Josh Patoka","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}'> <img class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo" loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2022/06/josh_patoka-88x88.jpg" width="64" height="64" alt="Josh Patoka" > </a> </div> <div class="author__block-content"> <div class="author-heading"> <a href="https://www.forbes.com/advisor/author/jpatoka/" target="_blank" class="author__block-name" data-mktp-link='{"clickText":"Josh Patoka","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/jpatoka\/","clickType":"internal"}'>Josh Patoka</a> </div> <span class="author__block-role">Mortgages Writer</span> </div> </div> </div> <div class="article__author-bio-bottom"> <p> Having lived in several states, owning primary residences and investment properties, Josh Patoka uses his experience using mortgages and HELOCs to help first-time home buyers and home owners find the best home loan for their financial goals. His work has been featured on several financial and media websites. </p> </div> </div>  </div> </div> <div class="article_published_date" style="font-family:'Work Sans',sans-serif;font-size: 12px;line-height: 18px;color: #929A9B;margin: 20px 0;"> </div> <style id="style_1_article-feedback-style">.feedback-rating-box{display:flex;margin-bottom:20px}@media screen and (max-width:576px){.feedback-rating-box{margin-bottom:26px}}.feedback-rating-box .feedback-rating-container{direction:rtl!important}.feedback-rating-box .feedback-rating-container label{color:#fff;cursor:pointer;display:inline-block;font-size:26px!important;text-shadow:-1px 0 #999,0 1px #999,1px 0 #999,0 -1px #999;transition:color .2s}.feedback-rating-box .feedback-rating-container input{display:none}.feedback-rating-box .feedback-rating-container input:checked~label,.feedback-rating-box .feedback-rating-container label:hover,.feedback-rating-box .feedback-rating-container label:hover~label{color:#f7c748;text-shadow:-1px 0 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Please try again later.</div> </div> </div> </div> </div> </div> </div> </div> <script type="application/ld+json"> { "@context":"https://schema.org", "@type":"FAQPage", "mainEntity":[{ "@type": "Question", "name": "How much can you borrow on a home equity loan?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Because your home is being used as collateral for the loan, lenders will not permit you to borrow more than the equity you have in your home.<\/p>\n<p> <\/p>\n<p>In general, lenders will approve loaning up to a maximum of 80% to 85% of your <a href=\"https:\/\/www.forbes.com\/advisor\/mortgages\/loan-to-value-ratio\/\">combined loan-to-value (CLTV) ratio<\/a>. CLTV is the measurement that takes into account what you still owe on your first mortgage and subtracts that amount from the appraised value of your home to determine the maximum amount of money you can borrow.<\/p>\n<p> <\/p>\n<p>For example, if your home is appraised at $500,000 and you still owe $100,000 on your first mortgage, this means you have $400,000 in home equity. If your lender only allows for a maximum CLTV of 80% on its home equity loans, this means you could borrow no more than $320,000.<\/p>\n" } },{ "@type": "Question", "name": "Is home equity loan interest tax deductible?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Possibly. You might be able to deduct the interest you pay on a home equity loan if you use the proceeds to \u201cbuy, build or substantially improve the home,\u201d according to the IRS. It\u2019s a good idea to check the specifics with a tax professional to see if this option is available to you.<\/p>\n" } },{ "@type": "Question", "name": "Can you use a home equity loan for anything?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Yes, you can\u00a0<a href=\"https:\/\/www.forbes.com\/advisor\/home-equity\/use-home-equity-to-purchase-home\/\">use the proceeds of a home equity loan<\/a>\u00a0to cover pretty much any expense. However, some uses might make more financial sense than others. For example, if you want to pay for higher education, it could be a better idea to look into targeted\u00a0<a href=\"https:\/\/www.forbes.com\/advisor\/student-loans\/best-private-student-loans\/\">student loan products<\/a>\u00a0that don\u2019t require using your home as collateral.<\/p>\n" } },{ "@type": "Question", "name": "Can you refinance a home equity loan?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Yes, you can <a href=\"https:\/\/www.forbes.com\/advisor\/home-equity\/refinance-home-equity-loan\/\">refinance a home equity loan<\/a>, either by paying off the loan with a new home equity loan or HELOC or by rolling the balance into a larger first mortgage. You might opt to refinance if you can qualify for a lower interest rate, want to pay off the loan faster or can take advantage of other more favorable terms.<\/p>\n<p> <\/p>\n<p>Keep in mind that just like when you first get a home equity loan, you\u2019ll pay closing costs to refinance the loan\u2014so be sure to take this into account when deciding if refinancing is the right move.<\/p>\n<p><strong><br \/>\nSee: <\/strong><a href=\"https:\/\/www.forbes.com\/advisor\/home-equity\/how-much-money-can-you-borrow-with-a-heloc\/\">How Much HELOC Money Can I Get?<\/a><\/p>\n" } },{ "@type": "Question", "name": "What is the three-day cancellation rule?", "acceptedAnswer": { "@type": "Answer", "text": "<p>The three-day cancellation rule is a term for the <a href=\"https:\/\/www.forbes.com\/advisor\/mortgages\/right-of-rescission\/\">right of rescission<\/a>\u2014a consumer protection provided by the federal Truth in Lending Act. Under this law, you have three business days to walk away from a home equity loan after you\u2019ve signed for it for any reason and without penalty.<\/p>\n<p> <\/p>\n<p>If you decide to cancel your loan, you must inform the lender in writing by mail or delivery before midnight on the third business day. For more information, visit the <a href=\"https:\/\/consumer.ftc.gov\/articles\/home-equity-loans-and-home-equity-lines-credit#cancellationrule\" rel=\"nofollow\">Federal Trade Commission website<\/a>.<\/p>\n" } }] } </script><script> (()=>{ if(window.location.hash == "#data-studies"){ var prContentWrapper = document.querySelector('.pr-container'); // Manupulate PR Content text Parent Wrap var prContentItem = document.querySelectorAll("[data-studies = 'true']"); prContentItem.forEach((item)=>{ var nexSibling = item.nextElementSibling; if(nexSibling.tagName == 'HR'){ nexSibling.remove(); } prContentWrapper.appendChild(item); if(!(item.classList.contains('hide-section-title'))){ var newSibling = document.createElement('hr'); prContentWrapper.appendChild(newSibling); } }) //Append PR Title var prTitleWrapTag = document.querySelector(".pr-container template"); if(prTitleWrapTag){ var prTitleTag = prTitleWrapTag.content.cloneNode(true); prContentWrapper.insertBefore(prTitleTag, prContentWrapper.children[0]); } } })(); </script> <style>footer.shared-footer,.ninja_table_wrapper{ content-visibility: auto; } </style> <div class="ng-scope"> <footer class="clearfix shared-footer "> <div class="row-inner"> <div class="footer-logo"> <a href="https://www.forbes.com/" target="_self" class="logo logo-footer flex justify-center" aria-label="forbes"> <svg width="131" height="32" viewBox="0 0 131 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M79.6513 9.11612C77.599 9.11612 75.952 9.66337 74.2417 10.4842C74.2544 5.72091 74.3177 1.56698 74.4317 0L64.4613 1.89035V2.7734L65.4367 2.89781C66.8303 3.08442 67.3624 3.88034 67.5271 5.70856C67.8438 9.20325 67.7932 27.9332 67.5271 30.9304C70.2129 31.5274 73.1142 31.9752 76.028 31.9752C83.9333 31.9752 88.6969 27.1746 88.6969 19.5756C88.6969 13.4939 84.8329 9.11612 79.6513 9.11612ZM76.18 30.4329C75.6099 30.4329 74.8877 30.3459 74.4824 30.2712C74.3304 28.1694 74.2291 19.5009 74.2417 11.9268C75.1538 11.6283 75.7746 11.5537 76.5728 11.5537C79.8414 11.5537 81.691 15.2599 81.691 19.9486C81.691 25.9059 79.4233 30.4329 76.18 30.4329ZM26.9865 9.35243L25.4282 9.77528C24.0727 5.32283 21.9063 2.81068 17.8775 2.81068H12.7087C12.468 5.64636 12.3793 10.3722 12.4047 15.2848L15.8887 15.1729C18.2071 15.0983 19.1699 13.4069 19.7274 10.9071H21.0322V21.3166H19.7274C19.1699 18.8168 18.1944 17.1378 15.8887 17.0507L12.4174 16.9388C12.4554 20.6699 12.5567 23.8537 12.7214 25.7441C12.9621 28.5176 13.7223 29.7363 15.7239 30.0224L17.4976 30.209V31.4527H0.635254V30.209L2.02888 30.0224C4.03061 29.7363 4.79075 28.5175 5.03139 25.7441C5.41142 21.1797 5.47479 11.678 5.03139 6.37991C4.79067 3.60643 4.03053 2.38767 2.02888 2.10165L0.635254 1.91512V0.671426H26.8472L26.9865 9.35243ZM35.3734 8.86738C42.8228 8.86738 46.522 13.8296 46.522 20.359C46.522 26.7391 42.3412 31.975 34.8919 31.975C27.4425 31.975 23.7306 27.0127 23.7306 20.4834C23.7306 14.1033 27.9115 8.86738 35.3734 8.86738ZM34.9806 10.2853C31.6868 10.2853 30.7619 14.663 30.7619 20.4213C30.7619 26.0303 32.2189 30.5573 35.2721 30.5573C38.5659 30.5573 39.4908 26.1795 39.4908 20.4213C39.4908 14.8122 38.0339 10.2853 34.9806 10.2853ZM90.5212 20.6326C90.5085 14.5759 94.4105 8.89223 102.088 8.89223C108.334 8.89223 111.324 13.4442 111.349 19.389H97.4131C97.2611 24.7865 100.048 28.754 105.369 28.754C107.713 28.754 108.98 28.1819 110.399 27.1247L111.058 27.8959C109.512 29.9977 106.281 32 101.999 32C95.272 31.9875 90.5338 27.3112 90.5212 20.6326ZM97.4637 17.8468L104.457 17.6976C104.495 14.663 104.001 10.3225 101.48 10.3225C98.946 10.3225 97.5271 14.4267 97.4637 17.8468ZM129.263 15.6828L128.123 15.9813C126.906 12.1135 125.057 10.4718 122.358 10.4718C120.559 10.4718 119.254 11.8025 119.254 13.7302C119.254 15.6456 120.711 16.6529 124.93 18.2572C128.819 19.7373 130.365 21.4411 130.365 24.5378C130.365 29.1643 126.754 31.9999 120.825 31.9999C117.975 31.9999 114.807 31.3781 112.958 30.6443L112.755 24.2517L113.895 23.9533C115.53 28.4305 117.658 30.0598 120.458 30.0598C122.84 30.0598 124.17 28.3932 124.17 26.6148C124.17 24.8861 123.169 23.8538 119.368 22.5107C115.834 21.267 113.275 19.7497 113.275 15.8694C113.275 12.1011 116.67 8.87988 122.282 8.87988C124.892 8.87988 127.362 9.32766 129.022 10.0738L129.263 15.6828ZM63.5363 15.5087C60.5212 13.5188 57.2652 14.3894 56.5937 15.4714C56.3657 19.0532 56.4164 24.5378 56.6698 27.2988C56.8344 29.127 57.3665 29.923 58.7602 30.1096L60.5591 30.234V31.4777H46.7248V30.234L47.7003 30.1096C49.0939 29.923 49.626 29.127 49.7907 27.2988C50.0567 24.3014 50.1073 18.0582 49.7907 14.5635C49.626 12.7353 49.0939 11.9394 47.7003 11.7528L46.7248 11.6284V10.7453L56.6573 8.85487L56.5433 13.9541C58.8616 8.70569 63.4479 8.02168 65.9689 9.48927L63.5363 15.5087Z" fill="#333333"/> </svg> </a> <span class="copy ng-binding">© 2024 Forbes Media LLC. 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getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_MKTP_CLIENT_ID = 'mktp_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var mktpClientId = __cookie.get(COOKIE_MKTP_CLIENT_ID); if(mktpClientId){ userid = mktpClientId; }else{ var prefix = (typeof mktpBase !== 'undefined' && mktpBase?.tidPrefix) ? mktpBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_MKTP_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = ["myfi_generic_widget","related","generic_product_widget","advisor_widgets","myfi_static_mortgage_purchase_mp"]; 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