CINXE.COM

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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link"> Explore all banking resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts"> Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts"> Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts"> Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts"> Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link"> Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link"> All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link"> Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link"> Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates"> Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates"> Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates"> Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates"> Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link"> CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link"> CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link"> CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link"> CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link"> Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link"> Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link"> How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link"> MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2024/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2024" data-outcome="send to link"> Best banks of 2024</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link"> Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="3" data-text="Bank reviews" data-outcome="send to link"> Bank reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/federal-reserve/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="4" data-text="Federal Reserve news " data-outcome="send to link"> Federal Reserve news </a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/capital-one/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="1" data-text="Capital One review" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Capital One review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Capital One Bank</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/marcus/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link"> Explore all banking resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub"> <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container"> <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link"> Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates"> Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates"> 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates"> 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates"> VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link"> Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link"> Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link"> Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link"> Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link"> Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target=""> Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target=""> Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link"> Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link"> Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link"> Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link"> Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. 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class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024"> Best cards of 2024</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards"> Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards"> Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards"> Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards"> Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards"> Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards"> Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards"> Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link"> Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link"> Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link"> Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link"> Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link"> Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link"> Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link"> Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link"> All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101"> Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice"> Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards"> Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice"> Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice"> Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice"> Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice"> Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link"> Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link"> Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link"> Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub"> <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container"> <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link"> Explore all loans resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans"> Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit"> Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans"> Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans"> Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link"> Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link"> Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link"> Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link"> Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target=""> Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target=""> Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target=""> Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link"> Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link"> Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link"> Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link"> Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates"> Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates"> Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans"> Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans"> Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link"> Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target=""> Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target=""> Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target=""> Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target=""> Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link"> Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link"> Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link"> HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - 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HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - 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Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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We do not include the universe of companies or financial offers that may be available to you. </p> </div> <button data-cy="modalClose" class="Modal-close" type="button" data-target="advertiser-disclosure-modal" aria-label="close" @click="" ></button> </div> </div> </template> </div> </div> </div> <div class="flex gap-6 flex-col md:flex-row"> <div class="basis-1/2 flex-grow"> <h1 class="text-white heading-1 text-pretty"> Smart ways to use your home equity for remodeling </h1> <div class="grid grid-cols-[max-content_1fr] gap-y-6 sm:gap-y-2 gap-x-2 sm:gap-x-4 items-center relative z-5" data-cy="byline"> <div class="flex px-[0.125rem] row-span-1 sm:row-span-2"> <img srcset="https://www.bankrate.com/2024/03/19112241/LindaHeadshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/03/19112241/LindaHeadshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/03/19112241/LindaHeadshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/03/19112241/LindaHeadshot.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 z-15 shrink-0" alt="Linda Bell" /> <img srcset="https://www.bankrate.com/2022/01/27104609/Troy-Segal.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2022/01/27104609/Troy-Segal.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2022/01/27104609/Troy-Segal.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2022/01/27104609/Troy-Segal.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 -ml-2 z-5 shrink-0" alt="Troy Segal" /> </div> <div class="col-start-2 text-sm text-blue-200"> Written by <div class="Tooltip hidden sm:inline-block" x-data="interactiveTooltip('cZMW3G', )" x-bind="container"> <button class="Tooltip-trigger underline underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-cZMW3G" aria-controls="tooltip-content-cZMW3G" x-bind="trigger" > Linda Bell </button>, <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview z-layer-four" style="display: none;" id="tooltip-content-cZMW3G" aria-hidden="true" aria-labelledby="tooltip-trigger-cZMW3G" role="dialog" x-bind="content" > <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2024/03/19112241/LindaHeadshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/03/19112241/LindaHeadshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/03/19112241/LindaHeadshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/03/19112241/LindaHeadshot.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/linda-bell/" class="Link Link--standalone text-gray-900"> Linda Bell </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Senior writer, Home lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="flex items-center"> <svg class="Icon Icon--sm text-gray-900 mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 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1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 .731-1.775v-.732c.009-.033.009-.075.009-.117 0-.657.53-1.186 1.177-1.186h.85c.673 0 1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg> <span class="text-sm text-gray-900 font-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 !mb-3"> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Home affordability </li> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> First-time homebuying </li> </ul> </div> <div class="flex items-center"> <svg class="Icon Icon--sm text-gray-900 mr-2 self-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg> <div class="text-sm text-gray-900 font-bold leading-normal lowercase flex"> 25 Years of experience </div> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Linda Bell is a senior writer on Bankrate's Home Lending team, producing content around HELOCs, financing home renovations, home equity loans and more. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/linda-bell/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="Smart ways to use your home equity for remodeling" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> <ul class="AuthorSocialConnect List flex items-center mb-0"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-500 p-3 hover:text-blue-600" href="https://twitter.com/@lindabell" target="_blank"> <span class="sr-only">Connect with Linda Bell on Twitter</span> <svg class="Icon Icon--xs" 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underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-J8FEs9" aria-controls="tooltip-content-J8FEs9" x-bind="trigger" > Troy Segal </button> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview z-layer-four" style="display: none;" id="tooltip-content-J8FEs9" aria-hidden="true" aria-labelledby="tooltip-trigger-J8FEs9" role="dialog" x-bind="content" > <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2022/01/27104609/Troy-Segal.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2022/01/27104609/Troy-Segal.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2022/01/27104609/Troy-Segal.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2022/01/27104609/Troy-Segal.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/troy-segal/" class="Link Link--standalone text-gray-900"> Troy Segal </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Senior editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="flex items-center"> <svg class="Icon Icon--sm text-gray-900 mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 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0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg> <span class="text-sm text-gray-900 font-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 !mb-3"> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Homeownership/Home Improvement </li> <li class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Homebuying </li> </ul> </div> <div class="flex items-center"> <svg class="Icon Icon--sm text-gray-900 mr-2 self-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg> <div class="text-sm text-gray-900 font-bold leading-normal lowercase flex"> 30 years of experience </div> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Troy Segal is a senior editor for Bankrate. She edits stories about mortgages and home equity, along with the finer financial points of owning and maintaining a home. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/troy-segal/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="Smart ways to use your home equity for remodeling" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> <ul class="AuthorSocialConnect List flex items-center mb-0"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-500 p-3 hover:text-blue-600" href="https://twitter.com/@TroySegal" target="_blank"> <span class="sr-only">Connect with Troy Segal on Twitter</span> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path 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Prices are climbing. Mortgage rates are ticking up. Small wonder that homeowners who want to trade up are rejecting the idea of packing and moving — choosing to stay put and renovate their homes instead. </p> <div id="top-funnel-content-top"></div> <p>And to pay for these pricey remodels and repairs, they’re tapping the equity they have in their homes: using home equity loans and lines of credit (HELOCs) to turn their ownership stake into ready cash. The rise in property values has sent equity stakes soaring, up 11 percent to a collective $16 trillion in 2023. That equals nearly $300,000 per mortgage-holding homeowner. </p> <p>“It’s an interesting time where all signs point to modifying your existing home,” says Jackie Frommer, head of lending at Figure Technology Solutions, the parent of Figure Lending LLC, a HELOC lender. “We’re seeing a ton of interest because of that. And then because of the home price appreciation that has happened, the equity is there to tap, as opposed to doing something on an unsecured basis.” </p> <p>By using your home equity to fund renovations, you are essentially using your home’s worth to improve its worth. But, while a shrewd strategy, it has its drawbacks too, and evaluating the advantages and disadvantages is crucial before you draw on your ownership stake. </p> <p>Here’s how it all works, and smart ways to use your home equity for remodeling, renovations or repairs. </p> <div class="StaticJumpTo my-12" id="staticJumpTo-1" data-cy="staticJumpTo-1" role="navigation" aria-label="Content in this article" x-data="{ isMobile: false, isTouch: false, isStaticJumpToToggleExpanded: false, trackActiveJumpToItem: null, scrollWatchTimer: null, statesDisabled: false, checkIfMobile() { const menuButton = document.getElementById('SiteNavMenuButton'); const menuCheck = (menuButton.offsetHeight !== 0 && menuButton.offsetWidth !== 0); return menuCheck; }, checkIfTouch() { return window.matchMedia('(hover: none), (pointer: coarse)').matches; }, windowResized() { this.isMobile = this.checkIfMobile(); this.isTouch = this.checkIfTouch(); if (this.isTouch) { this.statesDisabled = true; } else { this.statesDisabled = false; } }, init() { this.windowResized(); }, handleStaticJumpTo(el) { el.classList.add('is-active'); this.trackActiveJumpToItem = el; }, handleScrollWatch() { // Wait for the scroll to finish. if (this.trackActiveJumpToItem) { if (this.scrollWatchTimer !== null) { clearTimeout(this.scrollWatchTimer); } this.scrollWatchTimer = setTimeout(this.handleScrollWatchTimeout.bind(this), 150); } }, handleScrollWatchTimeout() { if (this.trackActiveJumpToItem !== this.$refs.staticJumpToItem0) { this.trackActiveJumpToItem.classList.remove('is-active'); } }, }" x-init="init()" x-on:resize.window="windowResized()" x-on:scroll.window="handleScrollWatch()"> <p class="text-gray-900 font-bold text-xl mb-4"> In this article </p> <ul class="StaticJumpTo-list mb-4 List"> <li x-ref="staticJumpToItem0" x-cloak x-show="isStaticJumpToToggleExpanded || 0 < 5" :class="{ 'StaticJumpTo-item--statesDisabled': statesDisabled, }" class="StaticJumpTo-item relative text-lg border-l-2 pl-4 py-2 is-active"> <a class="StaticJumpTo-link Link Link--standalone static border-b-0" :class="{ 'StaticJumpTo-link--statesDisabled': statesDisabled, }" @click="handleStaticJumpTo($el.parentElement)" href="#key-insights" data-toc-jumpto="#key-insights" data-beam-element-clicked-no-delay data-type="link" data-location="" data-name="static-jump-to" data-position="1" data-text="Key insights" data-outcome="send to section"> Key insights </a> </li> <li x-ref="staticJumpToItem1" x-cloak x-show="isStaticJumpToToggleExpanded || 1 < 5" :class="{ 'StaticJumpTo-item--statesDisabled': statesDisabled, }" class="StaticJumpTo-item relative text-lg border-l-2 pl-4 py-2"> <a class="StaticJumpTo-link Link Link--standalone static border-b-0" :class="{ 'StaticJumpTo-link--statesDisabled': statesDisabled, }" @click="handleStaticJumpTo($el.parentElement)" href="#why-it-makes-sense" data-toc-jumpto="#why-it-makes-sense" data-beam-element-clicked-no-delay data-type="link" data-location="" data-name="static-jump-to" data-position="2" data-text="Why using home equity makes sense" data-outcome="send to section"> Why using home equity makes sense </a> </li> <li x-ref="staticJumpToItem2" x-cloak x-show="isStaticJumpToToggleExpanded || 2 < 5" :class="{ 'StaticJumpTo-item--statesDisabled': statesDisabled, }" class="StaticJumpTo-item relative text-lg border-l-2 pl-4 py-2"> <a class="StaticJumpTo-link Link Link--standalone static border-b-0" :class="{ 'StaticJumpTo-link--statesDisabled': statesDisabled, }" @click="handleStaticJumpTo($el.parentElement)" href="#how-it-works" data-toc-jumpto="#how-it-works" data-beam-element-clicked-no-delay data-type="link" data-location="" data-name="static-jump-to" data-position="3" data-text="How does a home equity loan for home improvement work?" data-outcome="send to section"> How does a home equity loan for home improvement work? 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<h2 id="key-insights" data-beam-element-viewed data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Home Equity, Mortgages" data-position="h2_second_placement" data-name="h2_second_placement" data-text="Using equity for home improvement" data-outcome>Key home affordability/Home value insights</h2> <section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box"> <div class="card-body"> <div class="icon-wrapper"> <svg viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Home Equity Icon</title> <path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M9.973 2.727a3.268 3.268 0 0 1 4.046 0l3.521 2.79V4.279c0-.361.296-.656.657-.656.36 0 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aria-level="1">Aspiring homeowners must earn at least $110,871 a year to afford a median-priced home in the U.S., according to <a href="https://www.bankrate.com/real-estate/home-affordability-in-current-housing-market-study/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Bankrate’s Housing and Income Study" data-type="LINK" data-position="1" data-name="article-link" data-outcome="INTERNALLINK">Bankrate’s Housing and Income Study</a>.</li> <li aria-level="1">Among Americans willing to make sacrifices to find affordable housing, 34% say would buy a fixer-upper, according to <a href="https://www.bankrate.com/mortgages/home-affordability-report/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Bankrate’s Home Affordability Survey." data-type="LINK" data-position="2" data-name="article-link" data-outcome="INTERNALLINK">Bankrate’s Home Affordability Survey.</a> </li> <li aria-level="1"> <a href="https://www.bankrate.com/mortgages/down-payment-survey/#key-takeaways" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Bankrate’s Down Payment Survey" data-type="LINK" data-position="3" data-name="article-link" data-outcome="INTERNALLINK">Bankrate’s Down Payment Survey</a> found 54% of aspiring homeowners say their income is not high enough to afford closing costs and a down payment for a home.</li> <li aria-level="1">42% of Americans believe now is a bad time to buy a home, per Bankrate’s Down Payment Survey.</li> <li aria-level="1">62% of renovating American homeowners plan to stay in their home <a href="https://st.hzcdn.com/static/econ/2024-US-Houzz&Home-Study.pdf" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="11 or more years" data-type="LINK" data-position="4" data-name="article-link" data-outcome="EXTERNALLINK">11 or more years</a>, up from 59% in 2021.</li> <li>83% of Americans believe their <a href="https://stories.td.com/us/en/article/most-homeowners-feel-optimistic-about-their-increasing-equity-with-many-planning-to-tap-into-it-for-renovations" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="home equity has increased" data-type="LINK" data-position="5" data-name="article-link" data-outcome="EXTERNALLINK">home equity has increased</a> within the last year.</li> </ul> </div> </div> </div> </section> <h2 id="why-it-makes-sense">Why using home equity for home improvement makes sense in 2024</h2> <p>According to <a href="https://www.icemortgagetechnology.com/resources/data-reports/february-2024-mortgage-monitor" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="ICE Mortgage Technology" data-type="LINK" data-position="6" data-name="article-link" data-outcome="EXTERNALLINK">ICE Mortgage Technology</a>, as of year-end 2023, the average American has $299,000 in home equity, with $193,000 available to tap. (“Tappable equity” is the amount you can withdraw while still maintaining a 20 percent equity stake, which most lenders require you to do.) </p> <div class="Callout flex flex-col gap-y-6 border-4 border-solid border-blue-100 rounded-lg py-8 px-6 md:px-10 mt-8 mb-16">  <h3 class="type-heading-three my-0 text-crop-none text-blue-700"> $24,000 </h3>  <div class="Callout-content text-gray-900 text-left wysiwyg m-0"> The average amount of equity U.S. homeowners gained in Q4 2023 over Q4 2022 </div> <p class="SourceLinkList text-gray-700 m-0">Source: CoreLogic </p> </div> <p>Homeowners have been using those substantial equity gains to fund renovations. According to a late-2023 survey by <a href="https://stories.td.com/us/en/article/most-homeowners-feel-optimistic-about-their-increasing-equity-with-many-planning-to-tap-into-it-for-renovations" target="_blank" rel="nofollow noopener" data-beam-element-clicked-no-delay="ElementClicked" data-location="content body" data-text="TD Bank" data-type="LINK" data-position="7" data-name="article-link" data-outcome="EXTERNALLINK">TD Bank</a>, more than one-third (38 percent) of homeowners who are renovating in the next two years are planning to use a home equity loan or HELOC to pay for the projects. Renovations are among the most common uses for home equity loans and HELOCs. Kitchens and bathrooms are the most popular rooms to tackle, the survey found. </p> <p>In addition, 57 percent of respondents who previously or never had a HELOC or HE Loan said they are likely to apply for one in the next 18 months, up 9 percent from 2022. </p> <p>“People are saying that they might be in a position where it’s best to stay where they are and make the changes to the home that they want to make,” says Jon Giles, senior vice president and head of strategy and support for TD Residential Lending. “They want to retain that two-point or three-point [mortgage] interest rate, where moving out of that home is probably going to get you in the ballpark of seven (percent) or maybe slightly below.” </p> <p>Admittedly, HELOCs and home equity loan rates have climbed along with regular mortgage rates; now hovering around 9 percent, they are more expensive than the purchase loans. Still, they tend to be a more cost-effective option than other financing routes like <a href="https://www.bankrate.com/loans/home-improvement/rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="home improvement loans" data-type="LINK" data-position="8" data-name="article-link" data-outcome="INTERNALLINK">home improvement loans</a>, personal loans or credit cards. </p> <p>Bankrate’s <a href="https://www.bankrate.com/real-estate/housing-market-2024/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="housing market predictions for 2024" data-type="LINK" data-position="9" data-name="article-link" data-outcome="INTERNALLINK">housing market predictions for 2024</a> notes that elevated home prices, low inventory and high mortgage rates will continue to be a factor for sellers and buyers this year. </p> <h2 id="how-it-works">How does a home equity loan for home improvement work?</h2> <p>There are two primary ways to tap your home equity: <a href="https://www.bankrate.com/home-equity/home-equity-loan-vs-line-of-credit/#overview" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="home equity loans and HELOCs" data-type="LINK" data-position="10" data-name="article-link" data-outcome="INTERNALLINK">home equity loans and HELOCs</a>. With both methods, the amount you can borrow is based on how much equity you have — how much of it you own outright. </p> <div class="DefinitionList mb-8 DefinitionList--table">  <h3 class="type-heading-three leading-8 sm:leading-10 mb-6"> Key terms </h3>  <dl> <div class="Definition-item flex"> <dt class="text-gray-900">Home equity</dt> <dd class="text-gray-700">Home equity is essentially the difference between what your home is worth and what you owe on your mortgage.</dd> </div> </dl> </div> <p>Home equity loans function similarly to mortgages: You borrow a lump sum at a fixed interest rate. Repayments start immediately and cover both interest and principal over a term ranging from five to 30 years. </p> <p>HELOCs provide a line of credit, typically with a variable interest rate, though some lenders offer fixed-rate versions. HELOCs generally have a draw period spanning around 10 years, during which you can access funds, usually making minimal, interest-only payments (with the option to repay more). After the draw period, you can no longer access the funds — you enter a repayment period of 10 to 20 years, paying back the debt in monthly installments. </p> <p>The amount you can borrow is typically determined by the size of your ownership stake and the loan-to-value ratio (LTV), which compares the loan size to the property’s value. Generally, lenders limit your borrowing capacity to around 80 percent or 85 percent of your equity. However, specific limits can depend on factors like your credit score, annual income and payment history. </p> <div class="Callout flex flex-col gap-y-6 border-4 border-solid border-blue-100 rounded-lg py-8 px-6 md:px-10 mt-8 mb-16">  <h3 class="type-heading-three my-0 text-crop-none text-blue-700"> 23% </h3>  <div class="Callout-content text-gray-900 text-left wysiwyg m-0"> Percentage of higher-budget home projects (costing $50,000 to $200,000) that are financed with secured home loans </div> <p class="SourceLinkList text-gray-700 m-0">Source: 2024 U.S.Houzz &amp; Home Study </p> </div> <h2 id="benefits">Benefits of using home equity for home improvement</h2> <h3>Lower interest rates</h3> <p>Home equity loans and lines of credit (HELOCs) offer comparatively <a href="https://www.bankrate.com/home-equity/current-interest-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="lower interest rates" data-type="LINK" data-position="11" data-name="article-link" data-outcome="INTERNALLINK">lower interest rates</a> because they are secured loans: that is, they are backed by your home as collateral. They parallel <a href="https://www.bankrate.com/mortgages/mortgage-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="mortgage rates" data-type="LINK" data-position="12" data-name="article-link" data-outcome="INTERNALLINK">mortgage rates</a>, running slightly higher (sometimes several percentage points in the case of HELOCs). But they tend to be far lower than credit cards or personal loans. Of course, individuals with good credit scores have access to the most competitive rates. </p> <h3>Tax deduction</h3> <p>You can <a href="https://www.bankrate.com/mortgages/home-equity-loan-tax-changes/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="deduct the interest" data-type="LINK" data-position="13" data-name="article-link" data-outcome="INTERNALLINK">deduct the interest</a> you pay on home equity loans and HELOCs annually on your tax return. But certain conditions apply. To qualify for the deduction, the funds obtained must have been used to purchase, repair or make significant improvements to the home securing the loan. </p> <div class="TipBox flex items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8"> <svg class="TipBox-icon Icon text-gray-900 icon-highlight-blue-600 -mt-4 md:-mt-1" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Icon</title> <path d="M8.244 24a1.92 1.92 0 0 1-1.19-.415 2.122 2.122 0 0 1-.778-2.042l.762-4.63a.706.706 0 0 0-.196-.622L3.61 13.01a2.15 2.15 0 0 1-.517-2.137c.238-.77.853-1.324 1.624-1.436l4.469-.675a.683.683 0 0 0 .516-.39l2.001-4.214C12.05 3.441 12.73 3 13.5 3c.77 0 1.451.45 1.796 1.16l2 4.213a.697.697 0 0 0 .517.39l4.47.675c.762.112 1.385.666 1.623 1.436a2.15 2.15 0 0 1-.517 2.137l-3.23 3.28a.73.73 0 0 0-.197.622l.762 4.63a2.127 2.127 0 0 1-.787 2.042 1.91 1.91 0 0 1-2.116.173l-3.993-2.19a.664.664 0 0 0-.648 0l-3.993 2.19A1.903 1.903 0 0 1 8.26 24h-.016Z" fill="transparent" class="icon-offset"></path><path d="M6.494 23c-.439 0-.877-.145-1.246-.435a2.223 2.223 0 0 1-.816-2.14l.799-4.849a.74.74 0 0 0-.206-.653L1.64 11.488a2.253 2.253 0 0 1-.541-2.24c.249-.806.893-1.386 1.7-1.504l4.682-.707a.716.716 0 0 0 .542-.408l2.096-4.414C10.479 1.462 11.193 1 12 1c.807 0 1.52.471 1.881 1.215l2.096 4.414a.73.73 0 0 0 .542.408l4.681.707c.8.118 1.452.698 1.701 1.505.24.798.035 1.659-.54 2.239l-3.386 3.435a.764.764 0 0 0-.206.653l.8 4.85c.137.825-.181 1.64-.825 2.139a2.001 2.001 0 0 1-2.217.181l-4.183-2.293a.696.696 0 0 0-.679 0l-4.184 2.293c-.309.172-.644.254-.97.254h-.017ZM11.99 2.46a.713.713 0 0 0-.652.416L9.242 7.291c-.309.643-.893 1.097-1.58 1.196l-4.682.707a.717.717 0 0 0-.584.517.735.735 0 0 0 .18.752L5.961 13.9c.498.508.721 1.233.61 1.949l-.8 4.85a.735.735 0 0 0 .276.716c.232.181.524.2.773.063l4.184-2.293a2.015 2.015 0 0 1 1.95 0l4.183 2.293a.69.69 0 0 0 .773-.063.753.753 0 0 0 .284-.716l-.8-4.85a2.253 2.253 0 0 1 .61-1.949l3.385-3.435a.732.732 0 0 0 .18-.753.717.717 0 0 0-.583-.517l-4.682-.707c-.679-.1-1.272-.553-1.58-1.196l-2.097-4.415a.705.705 0 0 0-.653-.417h.017Z" class="icon-base"></path></svg> <p class="w-full mb-0"> <strong class="font-bold"> Keep in mind: </strong> As of 2024, single and joint filers can deduct interest on up to $750,000 of eligible loans, while married couples filing separate returns can deduct interest on up to $375,000. (These limits apply collectively to all your mortgages and home-related loans, by the way.) You must itemize your deductions to take advantage of this benefit. </p> </div> <h3>Possible return on investment</h3> <p>Using your home equity to invest in your home can be a smart financial move. Expanding the livable space, adding amenities, modernizing systems and fixtures, improving appearance and <a href="https://www.bankrate.com/real-estate/add-curb-appeal/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="curb appeal" data-type="LINK" data-position="14" data-name="article-link" data-outcome="INTERNALLINK">curb appeal</a> — all these things enhance <a href="https://www.bankrate.com/real-estate/fair-market-value/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="a property’s worth" data-type="LINK" data-position="15" data-name="article-link" data-outcome="INTERNALLINK">a property’s worth</a>. If you’re considering selling your house, renovations might help it sell quickly and for more money. If you stay put, they’ll help it appreciate (or at least not depreciate) in the long term. And of course, improve your quality of life in the meantime. </p> <h2 id="drawbacks">Drawbacks of using home equity for home improvement</h2> <h3>Your home is on the line</h3> <p>The major downside of home equity financing: the potential of losing your home if you can’t keep up with the loan payments. In such cases, the lender may initiate <a href="https://www.bankrate.com/mortgages/what-is-a-foreclosure/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="foreclosure" data-type="LINK" data-position="16" data-name="article-link" data-outcome="INTERNALLINK">foreclosure</a> proceedings, and you could lose your home. </p> <h3>The loan might be more than you need</h3> <p>Home equity financing is typically larger: five-figure sums at least. Often, lenders have minimum borrowing requirements — the benchmark loan that Bankrate tracks is for $30,000, for example — which means you may need to borrow a substantial sum of money, potentially more than what you require. You could repay the excess early, but there might be penalties for doing so. </p> <h3>Additional costs</h3> <p>Obtaining a home equity loan involves additional expenses. Since it is a second mortgage, you will incur <a href="https://www.bankrate.com/home-equity/home-equity-loan-closing-costs/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="closing costs" data-type="LINK" data-position="17" data-name="article-link" data-outcome="INTERNALLINK">closing costs</a> and fees, ranging from 2 percent to 5 percent of the loan amount. These costs can include charges like an origination fee and appraisal fee. When evaluating whether the loan is financially viable for your specific situation and needs, it is essential to factor in these fees and include them in the overall cost. </p> <h2 id="comparison">Home equity loans vs. HELOCs for home renovation</h2> <p><a href="https://www.bankrate.com/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Home equity loans and HELOCs" data-type="LINK" data-position="18" data-name="article-link" data-outcome="INTERNALLINK">Home equity loans and HELOCs</a> have numerous similarities: They both leverage the equity in your home, they both require your home as collateral, and they typically enable you to borrow up to 80 percent or 85 percent of your home’s value, minus the remaining balance on your mortgage. However, despite these resemblances, the two have significant distinctions, each with advantages and disadvantages. </p> <h3>Home equity loans for home improvement</h3> <p><a href="https://www.bankrate.com/home-equity/what-is-home-equity-loan/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Home equity loans" data-type="LINK" data-position="19" data-name="article-link" data-outcome="INTERNALLINK">Home equity loans</a> resemble traditional mortgages, following a predetermined payment schedule that includes the principal and interest. Essentially, they act as second mortgages and are typically available for 10, 15, 20 or 30 years. They can be a good financing tool if you know how much your renovation will cost, and it’s a single, relatively short-term job — like <a href="https://www.bankrate.com/homeownership/how-much-does-a-bathroom-remodel-cost/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="remodeling a bathroom" data-type="LINK" data-position="20" data-name="article-link" data-outcome="INTERNALLINK">remodeling a bathroom</a>, for example. </p> <div class="flex flex-col gap-8 my-6"> <div class="ProsAndConsList" data-js-selector="ProsAndConsList"> <div class="ProsAndConsItem">  <h4 class="ProsAndConsItem-header"> Pros </h4>  <ul class="ProsAndConsItem-list"> <li> <strong>Structured payments:</strong> Home equity loans have scheduled payments that begin immediately, allowing for easier budgeting and financial planning. </li> <li> <strong>Fixed interest rate:</strong> These loans often come with a <a data-skip-post-default-tracking="1" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="fixed interest rate" data-type="LINK" data-position="21" data-name="article-link" data-outcome="INTERNALLINK">fixed interest rate</a>, ensuring that your monthly payment remains relatively stable or only experiences minor fluctuations. </li> <li> <strong>Earning potential:</strong> If you don’t intend to begin remodeling right away, you can transfer the loan funds into an interest-bearing account and earn additional income on the borrowed money. </li> <li> <strong>Lump sum disbursement:</strong> With a home equity loan, you receive the entire loan amount upfront, making it an ideal choice for improvement projects that require a significant upfront investment or whose exact cost you know. </li> <li> <strong>Increase the value of your home:</strong> Some renovation projects will likely <a data-skip-post-default-tracking="1" href="https://www.bankrate.com/homeownership/home-renovations-that-return-the-most-at-resale/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="increase your home’s value" data-type="LINK" data-position="22" data-name="article-link" data-outcome="INTERNALLINK">increase your home’s value</a>, which in turn, will increase, over time, your equity and may mean a higher sale price when you are ready to sell. </li> </ul> </div> <div class="ProsAndConsItem">  <h4 class="ProsAndConsItem-header"> Cons </h4>  <ul class="ProsAndConsItem-list"> <li> <strong>Risk of spending the renovation money elsewhere:</strong> Since you receive a lump sum, it can be tempting to divert the loan funds toward other expenses, especially if the renovation gets delayed or is dragging on. </li> <li> <strong>Negative equity if home value drops:</strong> If home values drop suddenly, it could leave you in a situation where you owe more on the loan than the actual worth of your home, a state of <a data-skip-post-default-tracking="1" href="https://www.bankrate.com/home-equity/what-is-negative-equity/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="negative equity" data-type="LINK" data-position="23" data-name="article-link" data-outcome="INTERNALLINK">negative equity</a>. </li> <li> <strong>Difficult to budget project:</strong> Home improvement projects’ total costs can be unpredictable, and your loan could fall short. Or it could be too much (meaning you incurred interest charges you didn’t need to have). </li> </ul> </div> </div> </div> <h3>Home equity line of credit (HELOC) for home improvement</h3> <p><a href="https://www.bankrate.com/home-equity/what-is-heloc/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="HELOCs" data-type="LINK" data-position="24" data-name="article-link" data-outcome="INTERNALLINK">HELOCs</a> are structured with a <a href="https://www.bankrate.com/home-equity/heloc-refinance-draw-period-ends/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="draw period" data-type="LINK" data-position="25" data-name="article-link" data-outcome="INTERNALLINK">draw period</a> and a repayment period. During the draw period, you can borrow money from the line of credit; you only pay interest on the actual amount you borrow, and typically, you are required just to make interest-only payments. Once this period concludes, you can no longer access funds, and you must commence repayment of both the principal amount borrowed and the interest. HELOCs are well-suited for multi-faceted, ongoing projects, and/or ones in which the overall cost is uncertain. </p> <div class="flex flex-col gap-8 my-6"> <div class="ProsAndConsList" data-js-selector="ProsAndConsList"> <div class="ProsAndConsItem">  <h4 class="ProsAndConsItem-header"> Pros </h4>  <ul class="ProsAndConsItem-list"> <li> <strong>Flexibility:</strong> With a HELOC, you can use as much or as little money as you need, and can draw it whenever you need it. That’s ideal for long-term renovation projects, where you typically <a data-skip-post-default-tracking="1" href="https://www.bankrate.com/homeownership/should-you-tip-your-contractor/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="pay contractors" data-type="LINK" data-position="26" data-name="article-link" data-outcome="INTERNALLINK">pay contractors</a> at set intervals. </li> <li> <strong>Limited interest:</strong> You are only obligated to repay the amount of the credit line you have utilized, and you only pay interest on the amount you’ve withdrawn. </li> <li> <strong>Suitable </strong><strong>for the unpredictable:</strong> HELOCs can be ideal if you’re unsure how much your projects will ultimately cost or how long they’ll take. Since the balance is replenishable, you’re less likely to fall short in case of cost overruns, too. </li> </ul> </div> <div class="ProsAndConsItem">  <h4 class="ProsAndConsItem-header"> Cons </h4>  <ul class="ProsAndConsItem-list"> <li> <strong>Variable interest rates:</strong> The <a data-skip-post-default-tracking="1" href="https://www.bankrate.com/home-equity/heloc-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="interest rate will fluctuate" data-type="LINK" data-position="27" data-name="article-link" data-outcome="INTERNALLINK">interest rate will fluctuate</a>, affecting your monthly payments and potentially leading to increased costs. If your project’s dragging on and interest rates rapidly climb, as they did in 2023, repayments could get expensive. </li> <li> <strong>Big debt burden:</strong> Since you can borrow from your HELOC multiple times and typically don’t have to start repaying the principal immediately, it can be easy to accumulate a big balance and encounter sticker shock when payments start including both interest and principal. </li> <li> <strong>Annual fees:</strong> Many lenders charge an annual fee to maintain an open HELOC account, regardless of whether you use the line of credit. </li> </ul> </div> </div> </div> <h2 id="alternatives">Alternatives to home equity loans for home improvement</h2> <p>If utilizing your home equity for home improvements is not your preferred route, there are alternative options available to consider: </p> <ul> <li> <strong>Home improvement loans:</strong> These are <a href="https://www.bankrate.com/loans/home-improvement/rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="personal loans" data-type="LINK" data-position="28" data-name="article-link" data-outcome="INTERNALLINK">personal loans</a>. While rates are higher (up to 36 percent) and the repayment period is shorter, they often are quicker and easier to get than home equity loans. And — since they are unsecured — you do not risk losing your home if you default on the loan.</li> <li> <strong>Credit cards:</strong> If you possess excellent credit and have discipline in managing your finances, you may qualify for a <a href="https://www.bankrate.com/credit-cards/zero-interest/best-zero-interest-cards/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="credit card" data-type="LINK" data-position="29" data-name="article-link" data-outcome="INTERNALLINK">credit card</a> with a 0 percent interest rate for a specific period. Taking advantage of such a promotional offer means you can finance your home improvement project without incurring any interest, provided you can pay off the balance before the promotional period ends. However, it is crucial to know that interest rates can escalate significantly if you miss or delay payments.</li> <li> <strong>Cash-out refinance:</strong> With a <a href="https://www.bankrate.com/mortgages/cash-out-refinancing/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="cash-out refinance" data-type="LINK" data-position="30" data-name="article-link" data-outcome="INTERNALLINK">cash-out refinance</a>, you replace your existing mortgage with a new one that exceeds your current outstanding balance, allowing you to receive the difference in ready money. As with HE Loans and HELOCs, the amount you can borrow is based on the size of your home equity stake (so there are limits on the sum you can cash out). Cash-out refis carry lower interest rates than home equity loans and of course, having just one big debt may be more convenient than juggling two. However, cash-out refis work best if you can secure a lower interest rate on your mortgage.</li> </ul> <h2 id="how-much">How much can you borrow with a home equity loan?</h2> <p>Before you renovate, you must figure out how much you can <a href="https://www.bankrate.com/home-equity/maximum-home-equity-amount/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="borrow from your home’s equity" data-type="LINK" data-position="31" data-name="article-link" data-outcome="INTERNALLINK">borrow from your home’s equity</a> for your project. Lenders typically let you borrow up to 80 percent of the equity in your home, although some may allow you to borrow more, up to 85 or even 90 percent. </p> <p>If you qualify for a home equity loan or line of credit, the lender will look at your home’s loan-to-value status. If you want to find out how much home equity you can borrow, use a <a href="https://www.bankrate.com/home-equity/home-equity-calculator/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="home equity calculator" data-type="LINK" data-position="32" data-name="article-link" data-outcome="INTERNALLINK">home equity calculator</a> online to get a general idea. </p> <p>The amount you get— along with the interest rate and other terms — will depend on your credit score (mid-600s, at least), and debt-to-income ratio, or DTI (no more than 43 percent). The higher your credit score and the lower your DTI, the more likely you’ll be able to borrow. And your lender will likely order an appraisal of your home, to determine its worth. All the calculations will stem from that figure. </p> <div class="my-8"> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/home-equity/how-to-calculate-equity-in-your-home/" target="_self" data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/home-equity/home-equity-for-improvement-renovation/" data-name="Learn more link" data-position="middle" data-text="How to calculate your home equity" data-outcome="send to page"> How to calculate your home equity </a> </div> </div> <h2 id="what-to-consider">What to consider before taking a home equity loan for remodeling</h2> <p>Before committing, it’s smart to carefully weigh the goals and consequences of pursuing a HELOC or home equity loan for home improvements. Here are crucial questions to ask yourself. </p> <h3>Does the remodel add value to your home?</h3> <p>Will tapping into your home equity eventually pay itself back, <a href="https://www.bankrate.com/homeownership/home-renovations-that-return-the-most-at-resale/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="increasing your home’s worth" data-type="LINK" data-position="33" data-name="article-link" data-outcome="INTERNALLINK">increasing your home’s worth</a>? Renovations can vary significantly in their return on investment — anywhere from over 100 percent to 30 percent. Frankly, the majority don’t recoup their costs. And even if the returns are positive, don’t assume that because you put in an $80,000 swimming pool you have bumped your home’s fair market value by $80,000, either. </p> <p>Consult a <a href="https://www.bankrate.com/real-estate/how-to-choose-an-agent/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="real estate agent" data-type="LINK" data-position="34" data-name="article-link" data-outcome="INTERNALLINK">real estate agent</a> or an appraiser on which renovations enhance a home’s value and appeal to buyers and what projects offer the most bang for the buck — especially in your local real estate market. Generally, a more modest redo offers a better return than a deluxe one. </p> <p>Of course, home value isn’t purely measured in monetary terms. You can tailor the changes by remodeling your home according to your family’s tastes and needs. Whether creating a spacious kitchen with a large island that accommodates your culinary adventures or incorporating a practical drop zone with ample storage for multiple children, you can customize the renovations to suit your lifestyle and desires. </p> <h3>Did you establish a budget/repayment plan before applying for a loan?</h3> <p>It’s also important to carefully budget how much you can afford to borrow in the form of a home equity loan or HELOC, and how long it will take to repay what you borrow. Remember: Renovations almost always take longer and cost more than initially anticipated. Forecasting these numbers can help you make a more informed decision and prevent borrower’s remorse that can occur if you can’t pay your bills. </p> <p>“What are you comfortable making as a monthly payment today and what do you believe you’ll be comfortable with in the future? Any job changes? Do you plan on buying another car in a year or two and taking on a car loan for that? Understand your personal situation, make a budget and make sure the home renovations and the borrowing you’re doing to support those renovations fit within your personal budget,” says Giles. </p> <h3>Have you shopped around among lenders?</h3> <p>Many <a href="https://www.bankrate.com/mortgages/multiple-applications/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="lenders in the mortgage industry" data-type="LINK" data-position="35" data-name="article-link" data-outcome="INTERNALLINK">lenders in the mortgage industry</a> provide home equity financing, ranging from bricks-and-mortar banks to online-only, non-bank institutions. However, availability may vary by state, particularly for HELOCs. While most mortgage lenders offer home equity options, there are specialized firms that focus solely on home equity financing without offering purchase mortgages. </p> <p>Explore multiple lenders to secure the most favorable terms. Even a slight variation in the interest rate can result in significant savings over the long term. Taking the time to compare offers from the <a href="https://www.bankrate.com/home-equity/heloc-lenders/?zipCode=07008#what-to-consider" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="best HELOC lenders" data-type="LINK" data-position="36" data-name="article-link" data-outcome="INTERNALLINK">best HELOC lenders</a> and <a href="https://www.bankrate.com/home-equity/home-equity-loan-lenders/?zipCode=07008" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="best home equity loan lenders" data-type="LINK" data-position="37" data-name="article-link" data-outcome="INTERNALLINK">best home equity loan lenders</a> can save you thousands of dollars in the coming years. </p> <h2>Bottom line on home equity for remodels</h2> <p>If you’re considering home renovations and need funding, leveraging the <a href="https://www.bankrate.com/home-equity/what-is-home-equity/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="equity you have in your home" data-type="LINK" data-position="38" data-name="article-link" data-outcome="INTERNALLINK">equity you have in your home</a> can be a viable option. But these redos and remodels should involve serious money, at least five figures. If you have smaller-scale projects or renovations planned, it may not be practical to opt for a loan that entails high minimum borrowing amounts, involves closing costs, and requires your home as collateral. </p> <p>“Home equity might be the best option today. It’s likely one of the lowest cost ways to borrow given this environment” of high mortgage rates and low housing inventory, says Giles. 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Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant. </p> <ol class="flex flex-col gap-4 ml-6 mt-4"> <li>“<a rel="nofollow" href="https://www.icemortgagetechnology.com/resources/data-reports/february-2024-mortgage-monitor" target="_blank" rel="nofollow noopener">February 2024 Mortgage Monitor</a>.” ICE Mortgage Technology. Accessed May 3, 2024.</li> <li>“<a rel="nofollow" href="https://www.corelogic.com/intelligence/homeowner-equity-insights-q4-2023/" target="_blank" rel="nofollow noopener">Homeowner Equity Insights – Q4 2023</a>.” CoreLogic. Accessed May 3, 2024.</li> <li>“<a rel="nofollow" href="https://stories.td.com/us/en/article/most-homeowners-feel-optimistic-about-their-increasing-equity-with-many-planning-to-tap-into-it-for-renovations" target="_blank" rel="nofollow noopener">Most Homeowners Feel Optimistic About Their Increasing Equity with Many Planning to Tap into it for Renovations</a>.” TD Stories. Accessed May 3, 2024.</li> <li>“<a rel="nofollow" href="https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.houzz.com%2Fideabooks%2F174492310&data=05%7C02%7Ctsegal%40redventures.com%7Cfd86a257f8494f97699608dc4e72cc93%7C4289d6102cfd46218c9644a1518ddb0a%7C0%7C0%7C638471502179872609%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=rxDxiWrTMZfweb4S%2BcRZ223bwtGtFhMtldw7DZDCreM%3D&reserved=0" target="_blank" rel="nofollow noopener">2024 U.S. Houzz & Home Study</a>.” Houzz. Accessed May 3, 2024.</li> </ol> </div> </div> </li> </ul> </div> </div> <div class="bg-blue-50 py-12"> <section class="max-w-[83rem] gutter mx-auto"> <div class="recommendation" id="latest_articles"> <h2 class="heading-2 pb-4 border-b-blue-200 border-b mb-6"> You may also like </h2> <div class="grid sm:grid-cols-2 lg:grid-cols-4 gap-6"> <div data-variant="article-horizontal" class="t-card"> <div class="t-card__layout"> <div class="t-card__media"> <img src="https://www.bankrate.com/2022/04/20164856/Homes_Buying_a_Fixer_Upper.jpg" class="" alt="Collage featuring a man working on windows" decoding="async" loading="lazy" /> </div> <div class="t-card__content"> <div class="t-card__header">  <p class="t-card__title line-clamp-2 text-crop-none"> <a class="t-card__link hover-parent text-gray-900" href="https://www.bankrate.com/real-estate/buying-a-fixer-upper/" data-beam-element-clicked data-beam-element-viewed data-type="BUTTON" data-location="FOOTER" data-name="api" data-position="0" 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var(--wp--preset--color--indigo-500) !important;}.has-indigo-600-color{color: var(--wp--preset--color--indigo-600) !important;}.has-indigo-700-color{color: var(--wp--preset--color--indigo-700) !important;}.has-indigo-800-color{color: var(--wp--preset--color--indigo-800) !important;}.has-indigo-900-color{color: var(--wp--preset--color--indigo-900) !important;}.has-lavender-50-color{color: var(--wp--preset--color--lavender-50) !important;}.has-lavender-100-color{color: var(--wp--preset--color--lavender-100) !important;}.has-lavender-200-color{color: var(--wp--preset--color--lavender-200) !important;}.has-lavender-300-color{color: var(--wp--preset--color--lavender-300) !important;}.has-lavender-400-color{color: var(--wp--preset--color--lavender-400) !important;}.has-lavender-500-color{color: var(--wp--preset--color--lavender-500) !important;}.has-lavender-600-color{color: var(--wp--preset--color--lavender-600) !important;}.has-lavender-700-color{color: var(--wp--preset--color--lavender-700) !important;}.has-lavender-800-color{color: var(--wp--preset--color--lavender-800) !important;}.has-lavender-900-color{color: var(--wp--preset--color--lavender-900) !important;}.has-gray-50-color{color: var(--wp--preset--color--gray-50) !important;}.has-gray-100-color{color: var(--wp--preset--color--gray-100) !important;}.has-gray-200-color{color: var(--wp--preset--color--gray-200) !important;}.has-gray-300-color{color: var(--wp--preset--color--gray-300) !important;}.has-gray-400-color{color: var(--wp--preset--color--gray-400) !important;}.has-gray-500-color{color: var(--wp--preset--color--gray-500) !important;}.has-gray-600-color{color: var(--wp--preset--color--gray-600) !important;}.has-gray-700-color{color: var(--wp--preset--color--gray-700) !important;}.has-gray-800-color{color: var(--wp--preset--color--gray-800) !important;}.has-gray-900-color{color: var(--wp--preset--color--gray-900) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-transparent-background-color{background-color: var(--wp--preset--color--transparent) !important;}.has-current-background-color{background-color: var(--wp--preset--color--current) !important;}.has-red-50-background-color{background-color: var(--wp--preset--color--red-50) !important;}.has-red-100-background-color{background-color: var(--wp--preset--color--red-100) !important;}.has-red-200-background-color{background-color: var(--wp--preset--color--red-200) !important;}.has-red-300-background-color{background-color: var(--wp--preset--color--red-300) !important;}.has-red-400-background-color{background-color: var(--wp--preset--color--red-400) !important;}.has-red-500-background-color{background-color: var(--wp--preset--color--red-500) !important;}.has-red-600-background-color{background-color: var(--wp--preset--color--red-600) !important;}.has-red-700-background-color{background-color: var(--wp--preset--color--red-700) !important;}.has-red-800-background-color{background-color: var(--wp--preset--color--red-800) !important;}.has-red-900-background-color{background-color: var(--wp--preset--color--red-900) !important;}.has-coral-50-background-color{background-color: var(--wp--preset--color--coral-50) !important;}.has-coral-100-background-color{background-color: var(--wp--preset--color--coral-100) !important;}.has-coral-200-background-color{background-color: var(--wp--preset--color--coral-200) !important;}.has-coral-300-background-color{background-color: var(--wp--preset--color--coral-300) !important;}.has-coral-400-background-color{background-color: var(--wp--preset--color--coral-400) !important;}.has-coral-500-background-color{background-color: var(--wp--preset--color--coral-500) !important;}.has-coral-600-background-color{background-color: var(--wp--preset--color--coral-600) !important;}.has-coral-700-background-color{background-color: var(--wp--preset--color--coral-700) !important;}.has-coral-800-background-color{background-color: var(--wp--preset--color--coral-800) !important;}.has-coral-900-background-color{background-color: var(--wp--preset--color--coral-900) !important;}.has-orange-50-background-color{background-color: var(--wp--preset--color--orange-50) !important;}.has-orange-100-background-color{background-color: var(--wp--preset--color--orange-100) !important;}.has-orange-200-background-color{background-color: var(--wp--preset--color--orange-200) !important;}.has-orange-300-background-color{background-color: var(--wp--preset--color--orange-300) !important;}.has-orange-400-background-color{background-color: var(--wp--preset--color--orange-400) !important;}.has-orange-500-background-color{background-color: var(--wp--preset--color--orange-500) !important;}.has-orange-600-background-color{background-color: var(--wp--preset--color--orange-600) !important;}.has-orange-700-background-color{background-color: var(--wp--preset--color--orange-700) !important;}.has-orange-800-background-color{background-color: var(--wp--preset--color--orange-800) !important;}.has-orange-900-background-color{background-color: var(--wp--preset--color--orange-900) !important;}.has-yellow-50-background-color{background-color: var(--wp--preset--color--yellow-50) !important;}.has-yellow-100-background-color{background-color: var(--wp--preset--color--yellow-100) !important;}.has-yellow-200-background-color{background-color: var(--wp--preset--color--yellow-200) !important;}.has-yellow-300-background-color{background-color: var(--wp--preset--color--yellow-300) !important;}.has-yellow-400-background-color{background-color: var(--wp--preset--color--yellow-400) !important;}.has-yellow-500-background-color{background-color: var(--wp--preset--color--yellow-500) !important;}.has-yellow-600-background-color{background-color: var(--wp--preset--color--yellow-600) !important;}.has-yellow-700-background-color{background-color: var(--wp--preset--color--yellow-700) !important;}.has-yellow-800-background-color{background-color: var(--wp--preset--color--yellow-800) !important;}.has-yellow-900-background-color{background-color: var(--wp--preset--color--yellow-900) !important;}.has-green-50-background-color{background-color: var(--wp--preset--color--green-50) !important;}.has-green-100-background-color{background-color: var(--wp--preset--color--green-100) !important;}.has-green-200-background-color{background-color: var(--wp--preset--color--green-200) !important;}.has-green-300-background-color{background-color: var(--wp--preset--color--green-300) !important;}.has-green-400-background-color{background-color: var(--wp--preset--color--green-400) !important;}.has-green-500-background-color{background-color: var(--wp--preset--color--green-500) !important;}.has-green-600-background-color{background-color: var(--wp--preset--color--green-600) !important;}.has-green-700-background-color{background-color: var(--wp--preset--color--green-700) !important;}.has-green-800-background-color{background-color: var(--wp--preset--color--green-800) !important;}.has-green-900-background-color{background-color: var(--wp--preset--color--green-900) !important;}.has-teal-50-background-color{background-color: var(--wp--preset--color--teal-50) !important;}.has-teal-100-background-color{background-color: var(--wp--preset--color--teal-100) !important;}.has-teal-200-background-color{background-color: var(--wp--preset--color--teal-200) !important;}.has-teal-300-background-color{background-color: var(--wp--preset--color--teal-300) !important;}.has-teal-400-background-color{background-color: var(--wp--preset--color--teal-400) !important;}.has-teal-500-background-color{background-color: var(--wp--preset--color--teal-500) !important;}.has-teal-600-background-color{background-color: var(--wp--preset--color--teal-600) !important;}.has-teal-700-background-color{background-color: var(--wp--preset--color--teal-700) !important;}.has-teal-800-background-color{background-color: var(--wp--preset--color--teal-800) !important;}.has-teal-900-background-color{background-color: var(--wp--preset--color--teal-900) !important;}.has-teal-default-background-color{background-color: var(--wp--preset--color--teal-default) !important;}.has-blue-50-background-color{background-color: var(--wp--preset--color--blue-50) !important;}.has-blue-100-background-color{background-color: var(--wp--preset--color--blue-100) !important;}.has-blue-200-background-color{background-color: var(--wp--preset--color--blue-200) !important;}.has-blue-300-background-color{background-color: var(--wp--preset--color--blue-300) !important;}.has-blue-400-background-color{background-color: var(--wp--preset--color--blue-400) !important;}.has-blue-500-background-color{background-color: var(--wp--preset--color--blue-500) !important;}.has-blue-600-background-color{background-color: var(--wp--preset--color--blue-600) !important;}.has-blue-700-background-color{background-color: var(--wp--preset--color--blue-700) !important;}.has-blue-800-background-color{background-color: var(--wp--preset--color--blue-800) !important;}.has-blue-900-background-color{background-color: var(--wp--preset--color--blue-900) !important;}.has-indigo-50-background-color{background-color: var(--wp--preset--color--indigo-50) !important;}.has-indigo-100-background-color{background-color: var(--wp--preset--color--indigo-100) !important;}.has-indigo-200-background-color{background-color: var(--wp--preset--color--indigo-200) !important;}.has-indigo-300-background-color{background-color: var(--wp--preset--color--indigo-300) !important;}.has-indigo-400-background-color{background-color: var(--wp--preset--color--indigo-400) !important;}.has-indigo-500-background-color{background-color: var(--wp--preset--color--indigo-500) !important;}.has-indigo-600-background-color{background-color: var(--wp--preset--color--indigo-600) !important;}.has-indigo-700-background-color{background-color: var(--wp--preset--color--indigo-700) !important;}.has-indigo-800-background-color{background-color: var(--wp--preset--color--indigo-800) !important;}.has-indigo-900-background-color{background-color: var(--wp--preset--color--indigo-900) !important;}.has-lavender-50-background-color{background-color: var(--wp--preset--color--lavender-50) !important;}.has-lavender-100-background-color{background-color: var(--wp--preset--color--lavender-100) !important;}.has-lavender-200-background-color{background-color: var(--wp--preset--color--lavender-200) !important;}.has-lavender-300-background-color{background-color: var(--wp--preset--color--lavender-300) !important;}.has-lavender-400-background-color{background-color: var(--wp--preset--color--lavender-400) !important;}.has-lavender-500-background-color{background-color: var(--wp--preset--color--lavender-500) !important;}.has-lavender-600-background-color{background-color: var(--wp--preset--color--lavender-600) !important;}.has-lavender-700-background-color{background-color: var(--wp--preset--color--lavender-700) !important;}.has-lavender-800-background-color{background-color: var(--wp--preset--color--lavender-800) !important;}.has-lavender-900-background-color{background-color: var(--wp--preset--color--lavender-900) !important;}.has-gray-50-background-color{background-color: var(--wp--preset--color--gray-50) !important;}.has-gray-100-background-color{background-color: var(--wp--preset--color--gray-100) !important;}.has-gray-200-background-color{background-color: var(--wp--preset--color--gray-200) !important;}.has-gray-300-background-color{background-color: var(--wp--preset--color--gray-300) !important;}.has-gray-400-background-color{background-color: var(--wp--preset--color--gray-400) !important;}.has-gray-500-background-color{background-color: var(--wp--preset--color--gray-500) !important;}.has-gray-600-background-color{background-color: var(--wp--preset--color--gray-600) !important;}.has-gray-700-background-color{background-color: var(--wp--preset--color--gray-700) !important;}.has-gray-800-background-color{background-color: var(--wp--preset--color--gray-800) !important;}.has-gray-900-background-color{background-color: var(--wp--preset--color--gray-900) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-transparent-border-color{border-color: var(--wp--preset--color--transparent) !important;}.has-current-border-color{border-color: var(--wp--preset--color--current) !important;}.has-red-50-border-color{border-color: var(--wp--preset--color--red-50) !important;}.has-red-100-border-color{border-color: var(--wp--preset--color--red-100) !important;}.has-red-200-border-color{border-color: var(--wp--preset--color--red-200) !important;}.has-red-300-border-color{border-color: var(--wp--preset--color--red-300) !important;}.has-red-400-border-color{border-color: var(--wp--preset--color--red-400) !important;}.has-red-500-border-color{border-color: var(--wp--preset--color--red-500) !important;}.has-red-600-border-color{border-color: var(--wp--preset--color--red-600) !important;}.has-red-700-border-color{border-color: var(--wp--preset--color--red-700) !important;}.has-red-800-border-color{border-color: var(--wp--preset--color--red-800) !important;}.has-red-900-border-color{border-color: var(--wp--preset--color--red-900) !important;}.has-coral-50-border-color{border-color: var(--wp--preset--color--coral-50) !important;}.has-coral-100-border-color{border-color: var(--wp--preset--color--coral-100) !important;}.has-coral-200-border-color{border-color: var(--wp--preset--color--coral-200) !important;}.has-coral-300-border-color{border-color: var(--wp--preset--color--coral-300) !important;}.has-coral-400-border-color{border-color: var(--wp--preset--color--coral-400) !important;}.has-coral-500-border-color{border-color: var(--wp--preset--color--coral-500) !important;}.has-coral-600-border-color{border-color: var(--wp--preset--color--coral-600) !important;}.has-coral-700-border-color{border-color: var(--wp--preset--color--coral-700) !important;}.has-coral-800-border-color{border-color: var(--wp--preset--color--coral-800) !important;}.has-coral-900-border-color{border-color: var(--wp--preset--color--coral-900) !important;}.has-orange-50-border-color{border-color: var(--wp--preset--color--orange-50) !important;}.has-orange-100-border-color{border-color: var(--wp--preset--color--orange-100) !important;}.has-orange-200-border-color{border-color: var(--wp--preset--color--orange-200) !important;}.has-orange-300-border-color{border-color: var(--wp--preset--color--orange-300) !important;}.has-orange-400-border-color{border-color: var(--wp--preset--color--orange-400) !important;}.has-orange-500-border-color{border-color: var(--wp--preset--color--orange-500) !important;}.has-orange-600-border-color{border-color: var(--wp--preset--color--orange-600) !important;}.has-orange-700-border-color{border-color: var(--wp--preset--color--orange-700) !important;}.has-orange-800-border-color{border-color: var(--wp--preset--color--orange-800) !important;}.has-orange-900-border-color{border-color: var(--wp--preset--color--orange-900) !important;}.has-yellow-50-border-color{border-color: var(--wp--preset--color--yellow-50) !important;}.has-yellow-100-border-color{border-color: var(--wp--preset--color--yellow-100) !important;}.has-yellow-200-border-color{border-color: var(--wp--preset--color--yellow-200) !important;}.has-yellow-300-border-color{border-color: var(--wp--preset--color--yellow-300) !important;}.has-yellow-400-border-color{border-color: var(--wp--preset--color--yellow-400) !important;}.has-yellow-500-border-color{border-color: var(--wp--preset--color--yellow-500) !important;}.has-yellow-600-border-color{border-color: var(--wp--preset--color--yellow-600) !important;}.has-yellow-700-border-color{border-color: var(--wp--preset--color--yellow-700) !important;}.has-yellow-800-border-color{border-color: var(--wp--preset--color--yellow-800) !important;}.has-yellow-900-border-color{border-color: var(--wp--preset--color--yellow-900) !important;}.has-green-50-border-color{border-color: var(--wp--preset--color--green-50) !important;}.has-green-100-border-color{border-color: var(--wp--preset--color--green-100) !important;}.has-green-200-border-color{border-color: var(--wp--preset--color--green-200) !important;}.has-green-300-border-color{border-color: var(--wp--preset--color--green-300) !important;}.has-green-400-border-color{border-color: 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