CINXE.COM

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To find the best loan for you, compare loan rates with a few lenders before applying."><meta name="Category" content="home-equity"><meta name="pageuuid" content="49cf9e04-fb03-4589-8d66-d7bf327fe0b6"><meta name="ContentSrc" content="sb:83094545"><meta name="PageType" content="rates-results"><link rel="canonical" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/"><meta name="robots" content="index, follow"><meta property="og:title" content="Best Home Equity Loan Rates In February 2025 | Bankrate"><meta property="og:description" content="A home equity loan lets you borrow against your home’s value. To find the best loan for you, compare loan rates with a few lenders before applying."><meta property="og:url" content="https://www.bankrate.com/home-equity/home-equity-loan-rates/"><meta property="og:site_name" content="Bankrate"><meta name="twitter:card" content="summary"><meta name="twitter:site" content="@bankrate"><meta name="twitter:title" content="Best Home Equity Loan Rates In February 2025 | Bankrate"><meta name="twitter:description" content="A home equity loan lets you borrow against your home’s value. To find the best loan for you, compare loan rates with a few lenders before applying."><script type="application/ld+json">{"@context":"https://schema.org","@type":"WebPage"}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","name":"Home Equity","item":{"@type":"Thing","url":"https://www.bankrate.com/home-equity/","@id":"https://www.bankrate.com/home-equity/"},"position":1}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is home equity and how do you calculate it?","acceptedAnswer":{"@type":"Answer","text":"Home equity is the stake you have in your property. Over time, you build up equity in your home as you make payments on your mortgage or your home’s value rises. If you have built a substantial amount of equity in your home, you can take out a home equity loan. Home equity loans are installment loans that allow you to borrow a percentage of your home equity, typically up to 85 percent. Unlike with a HELOC, you receive all of the money upfront and then make equal monthly payments of principal and interest for the life of the loan (similar to a mortgage).\n\nTo calculate your home equity, subtract your current mortgage balance from the appraised value of your home. Check out Bankrate’s home equity calculator to estimate how much you can borrow."}},{"@type":"Question","name":"What is a home equity loan?","acceptedAnswer":{"@type":"Answer","text":"A home equity loan is an installment loan based on the equity of the borrower's home. Most home equity lenders allow you to borrow a certain percentage of your home equity, typically up to 85 percent. Unlike with a HELOC, you receive all of the money upfront and then make equal monthly payments of principal and interest for the life of the loan (similar to a mortgage)."}},{"@type":"Question","name":"Where can I get a home equity loan?","acceptedAnswer":{"@type":"Answer","text":"Banks, credit unions and other types of lenders offer home equity loans. Here’s an overview:\nBanks: A bank can offer a competitive rate for a home equity loan, provided you meet requirements for the lowest possible APR and set up automatic payments.\nCredit unions: Credit unions can also offer competitive home equity loan rates, but all of their products, including home equity loans, are only available to members. Many credit unions have very flexible membership requirements, however, so it might be easier to join one than you think.\nNon-bank lenders: Non-bank lenders are typically online-only operations with streamlined processes that translate to fast funding. They might offer higher or lower rates than a bank, so compare options.\nIf you have an existing relationship with a bank, it may be best to start your search there, but it’s always a good idea to shop around with a few lenders to compare rates, fees and loan terms.\n\nA good way to do this is by taking advantage of prequalification forms, which let you see your potential rates and eligibility with a lender without impacting your credit score. Be sure to confirm this with your lender, however; some prequalifications do in fact involve a hard credit pull, which affects your score slightly."}},{"@type":"Question","name":"When is a good time to use a home equity loan?","acceptedAnswer":{"@type":"Answer","text":"A home equity loan may be a good option if you've been planning a large home renovation or if you need to consolidate debt and you spot a good rate. If you’ve been considering a home equity loan, now might be a good time to lock in your rate before they rise further."}},{"@type":"Question","name":"What are the minimum requirements?","acceptedAnswer":{"@type":"Answer","text":"Many lenders have fixed LTV ratio requirements for their home equity loans, meaning you'll need to have a certain amount of equity in your home to qualify. Lenders will also factor in your credit score and income when determining your rate and eligibility.\n\nMinimum requirements generally include a credit score of 620 or higher, a maximum loan-to-value ratio of 80 percent or 85 percent and a documented source of income."}},{"@type":"Question","name":"Are home equity loan rates higher than mortgage rates?","acceptedAnswer":{"@type":"Answer","text":"Home equity loan rates are typically higher than first mortgage rates because home equity loans are considered second mortgages. In the event of a foreclosure, the lender of a second mortgage will be paid only after the lender of the first mortgage has been paid in full. To make up for this risk, lenders offering second mortgages will charge higher interest rates. Since home equity loan rates are higher than first mortgage rates as a baseline, as of early October 2022, you can expect to find home equity loan rates starting around 7 percent."}},{"@type":"Question","name":"What is the three-day cancellation rule?","acceptedAnswer":{"@type":"Answer","text":"Unlike other loans, such as personal loans, home equity loans must go through a closing period. During this period, all home equity loans are legally subject to a three-day cancellation rule, which states that you have the right to cancel your home equity loan until midnight of the third business day after you sign your contract. Changes to the contract, as well as funds disbursement, cannot occur during this time."}},{"@type":"Question","name":"What is the difference between a home equity loan and a cash-out refinance?","acceptedAnswer":{"@type":"Answer","text":"Home equity loans and cash-out mortgage refinances are both potential ways to get money for home renovations or unexpected expenses. That said, both options have their pros and cons.\n\nWhile a home equity loan is a \"second mortgage\" that allows you to borrow additional funds for nearly any purpose, a cash-out refinance replaces your existing mortgage. With a cash-out refinance, you'll take out a new mortgage for more than your outstanding loan balance, and then withdraw the difference in cash. Because of this, a home equity loan is typically best if you already have a good rate and terms on your current mortgage. A cash-out refinance only makes sense if you can qualify for a better interest rate on your mortgage and you don't mind resetting your repayment term."}},{"@type":"Question","name":"How fast can I get a home equity loan?","acceptedAnswer":{"@type":"Answer","text":"Because home equity loans typically require appraisals, it can take longer to get a home equity loan than a personal loan. From application to funds disbursement, the process typically takes two to four weeks — although some new online lenders are trying to shorten that process."}},{"@type":"Question","name":"How much equity can I borrow from my home? ","acceptedAnswer":{"@type":"Answer","text":"The exact amount you can borrow varies depending on the lender, but you can generally borrow up to 80 or 85 percent of your home’s appraised value. "}}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"Organization","url":"https://www.bankrate.com/","email":"webmaster@bankrate.com","ethicsPolicy":"https://www.bankrate.com/privacy/","foundingDate":"1976","legalName":"Bank Rate LLC","name":"Bank Rate","address":{"@type":"PostalAddress","addressLocality":"New York, NY","postalCode":"10017","streetAddress":"750 3rd Ave, 28th Floor"},"foundingLocation":{"@type":"Place","name":"New York City, New York, U.S."},"logo":{"@type":"ImageObject","url":"https://www.bankrate.com/v2.828.1/img/logo/bankrate-logo-268x60.jpg"}}</script><meta class="swiftype" name="type" data-type="enum" content="rate-results" /><meta class="swiftype" name="title" data-type="string" content="Best Home Equity Loan Rates In February 2025 | Bankrate" /><meta class="swiftype" name="description" data-type="text" content="A home equity loan lets you borrow against your home’s value. 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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"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($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="/small-business/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/2025/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 2025" data-outcome="send to link" > Best banks of 2025</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"/></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"/></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"/></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($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($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="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Refinance rates" data-outcome="send to Refinance rates" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" 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="Cash-out refinance rates" data-outcome="send to Cash-out refinance rates" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-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="30-year refinance rates" data-outcome="send to 30-year refinance rates" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-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="4" data-text="15-year refinance rates" data-outcome="send to 15-year refinance rates" > 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, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. 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'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Guides & resources" data-position="4"> Guides & resources<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($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 2025" data-outcome="send to Best cards of 2025" > Best cards of 2025</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"/></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"/></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"/></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($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($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($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($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 - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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 - 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'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($el.id)" data-subcategory-name="HELOC" data-position="1"> HELOC<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 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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"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($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 - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - 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 - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan 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="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - 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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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance 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"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{ 'is-active': showSubcategoryView }" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{ 'is-active': isActiveSubcategory($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="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</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="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</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="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</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="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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In addition, though we strive to make our listings as current as possible, check with the individual providers for the latest information.</p></div> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="advertiser-disclosure-modal-triage" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> <div data-cy="" class="Headline w-full"> <h1 class="type-heading-one trsy-heading-1"> Best home equity loan rates for February 2025 </h1> </div> </div> <div class="md:col-span-2"> <div data-cy="byline" x-data="{ expanded: false }" class="Byline display-flex flex-wrap gap-y-4 flex-direction-column sm:flex-direction-row sm:align-items-center"> <div class="Byline-user display-flex align-items-center"> <img srcset="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <img srcset="https://www.bankrate.com/brp/2025/01/22100906/LindaHeadIMG_2616_20241114_090005-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2025/01/22100906/LindaHeadIMG_2616_20241114_090005-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2025/01/22100906/LindaHeadIMG_2616_20241114_090005-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2025/01/22100906/LindaHeadIMG_2616_20241114_090005-scaled.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 -ml-4 flex-shrink-0" alt=""> <span> <span class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('s0mBcy')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-s0mBcy" aria-controls="tooltip-content-s0mBcy" x-bind="trigger"> Jeff Ostrowski</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-s0mBcy" aria-hidden="true" aria-labelledby="tooltip-trigger-s0mBcy" 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-light pb-4"> <img srcset="https://www.bankrate.com/2024/01/17094047/jeff4_720.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/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/17094047/jeff4_720.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/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="Link Link--standalone text-black"> Jeff Ostrowski</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Principal Writer, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black 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 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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="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Mortgages</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Mortgage refinancing</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Jeff Ostrowski covers mortgages and the housing market. Before joining Bankrate in 2020, he spent more than 20 years writing about real estate, business, the economy and politics.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/bio561" target="_blank" rel="nofollow" aria-label="Connect with Jeff Ostrowski on Twitter" data-beam-element-clicked id="author_bio_jeff_ostrowski_twitter_icon" data-type="icon" data-location="author_bio_jeff_ostrowski" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" 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href="https://www.bankrate.com/authors/jeff-ostrowski/" class="text-link text-black trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-black);">Jeff Ostrowski</a> </div> <span class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">and</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('RHfqzf')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-RHfqzf" aria-controls="tooltip-content-RHfqzf" x-bind="trigger"> Linda Bell</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-RHfqzf" aria-hidden="true" aria-labelledby="tooltip-trigger-RHfqzf" 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-light pb-4"> <img srcset="https://www.bankrate.com/brp/2025/01/22100906/LindaHeadIMG_2616_20241114_090005-scaled.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/brp/2025/01/22100906/LindaHeadIMG_2616_20241114_090005-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2025/01/22100906/LindaHeadIMG_2616_20241114_090005-scaled.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/brp/2025/01/22100906/LindaHeadIMG_2616_20241114_090005-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/linda-bell/" class="Link Link--standalone text-black"> Linda Bell</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior writer, Home lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black 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 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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="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Home affordability</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> First-time homebuying</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-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 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1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 26 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <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="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/linda-bell/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/lindabell" target="_blank" rel="nofollow" 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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" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/troy-segal/" class="Link Link--standalone text-black"> Troy Segal</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" 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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="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homeownership/Home Improvement</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homebuying</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-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="type-body-two font-circular-bold leading-normal lowercase display-flex"> 31 years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <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="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/troy-segal/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/TroySegal" target="_blank" rel="nofollow" aria-label="Connect with Troy Segal on Twitter" data-beam-element-clicked id="author_bio_troy_segal_twitter_icon" data-type="icon" data-location="author_bio_troy_segal" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" 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href="https://www.bankrate.com/authors/troy-segal/" class="text-link text-black trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-black);">Troy Segal</a> </div> </span> </div> <div class="Byline-user md:ml-3"> <img srcset="https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('Sn78Ws')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-Sn78Ws" aria-controls="tooltip-content-Sn78Ws" x-bind="trigger"> Mark Hamrick</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-Sn78Ws" aria-hidden="true" aria-labelledby="tooltip-trigger-Sn78Ws" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.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/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.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/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/mark-hamrick/" class="Link Link--standalone text-black"> Mark Hamrick</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Washington Bureau Chief, Senior Economic Analyst</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black 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 2.171v4.377a1.37 1.37 0 0 0 1.377 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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="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal Finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Economy</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Mark Hamrick is Washington Bureau Chief for Bankrate. He is a national award-winning business and financial news journalist.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/mark-hamrick/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/hamrickisms" target="_blank" rel="nofollow" aria-label="Connect with Mark Hamrick on Twitter" data-beam-element-clicked id="author_bio_mark_hamrick_twitter_icon" data-type="icon" data-location="author_bio_mark_hamrick" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter 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href="https://www.bankrate.com/authors/mark-hamrick/" class="text-link text-black trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-black);">Mark Hamrick</a> </div> </span> </div> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/2022/01/27104609/Troy-Segal.jpg?auto=webp&quality=85&width=24&height=24&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=24&height=24&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=24&height=24&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=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('0um47a')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-0um47a" aria-controls="tooltip-content-0um47a" x-bind="trigger"> Troy Segal</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-0um47a" aria-hidden="true" aria-labelledby="tooltip-trigger-0um47a" 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-light pb-4"> <img 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" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/troy-segal/" class="Link Link--standalone text-black"> Troy Segal</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Senior editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black 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 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 .42-.046.62-.146l2.477-1.239a.147.147 0 0 1 .138 0l2.241 1.186c.429.23.934.214 1.354-.038a1.37 1.37 0 0 0 .666-1.178v-4.345Zm-4.445-8.3c-.65 0-1.262.253-1.728.72a2.442 2.442 0 0 0 0 3.457c.925.925 2.531.925 3.457 0a2.425 2.425 0 0 0 .719-1.729c0-.65-.252-1.262-.719-1.728a2.425 2.425 0 0 0-1.729-.72Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M11.996 17.975c-.64 0-1.287-.244-1.775-.732l-.597-.605a1.157 1.157 0 0 0-.824-.328h-.32v4.676c0 .076.042.118.084.143.034.025.093.042.16 0l2.725-1.363c.438-.218.959-.21 1.388.017l2.464 1.304a.194.194 0 0 0 .168 0c.034-.025.085-.067.085-.143v-4.626h-.37c-.32 0-.606.118-.825.336l-.589.59a2.521 2.521 0 0 1-1.791.74l.017-.009Zm4.048-3.011h-.835c-.673 0-1.304.26-1.775.732l-.589.588a1.17 1.17 0 0 1-1.657.017l-.597-.605a2.493 2.493 0 0 0-1.775-.732h-.86a.672.672 0 0 0-.182-.016 1.192 1.192 0 0 1-.985-1.17v-.841c0-.673-.26-1.304-.731-1.775l-.59-.589a1.177 1.177 0 0 1-.067-1.606c.026-.017.068-.06.068-.06l.589-.596a2.493 2.493 0 0 0 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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="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homeownership/Home Improvement</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homebuying</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-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="type-body-two font-circular-bold leading-normal lowercase display-flex"> 31 years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <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="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/troy-segal/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/TroySegal" target="_blank" rel="nofollow" aria-label="Connect with Troy Segal on Twitter" data-beam-element-clicked id="author_bio_troy_segal_twitter_icon" data-type="icon" data-location="author_bio_troy_segal" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" 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href="https://www.bankrate.com/authors/troy-segal/" class="text-link text-black trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-black);">Troy Segal</a> </div> </span> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/11/07174420/MHNYheadshotsm.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span class="text-slate trsy-text-[--text-color] font-circular-book" style="--text-color: var(--color-slate);">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('acov6u')" x-bind="container"> <button class="Tooltip-trigger text-link text-black trsy-text-[--text-color] plain font-circular-bold" style="--text-color: var(--color-black);"type="button" id="tooltip-trigger-acov6u" aria-controls="tooltip-content-acov6u" x-bind="trigger"> Mark Hamrick</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-acov6u" aria-hidden="true" aria-labelledby="tooltip-trigger-acov6u" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img 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</ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Mark Hamrick is Washington Bureau Chief for Bankrate. He is a national award-winning business and financial news journalist.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/mark-hamrick/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/hamrickisms" target="_blank" rel="nofollow" aria-label="Connect with Mark Hamrick on Twitter" data-beam-element-clicked id="author_bio_mark_hamrick_twitter_icon" data-type="icon" data-location="author_bio_mark_hamrick" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs trsy-size-[--size]" style="--size: 1rem" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter 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href="https://www.bankrate.com/authors/mark-hamrick/" class="text-link text-black trsy-text-[--text-color] plain font-circular-bold " style="--text-color: var(--color-black);">Mark Hamrick</a> </div> </span> </div> </div> </div> </div> <div class="MortgageRateTableHeaderV2-introText my-4" data-read-more="container"> <div data-read-more="trigger"> <div data-read-more="content"> <span class="text-slate"> Updated February 17, 2025</span> </div> </div> </div> <div class="MortgageRateTableHeaderV2-drawers -mx-4 md:mx-0 pl-4 pr-2 md:pl-0"> <button data-beam-element-clicked data-type="Button" data-location="above rate table" data-position="null" data-text="On this page" data-outcome="open drawer" class="Link Button--neutral text-black mr-2 px-4" data-target="drawer-0-modal-drawer" type="button"> On this page</button> <div id="drawer-0" class="Modal ModalDrawer h-full is-closed p-0" x-data role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="drawer-0" 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drawer" class="Link Button--neutral text-black mr-2 px-4" data-target="drawer-1-modal-drawer" type="button"> How to apply for a home equity loan</button> <div id="drawer-1" class="Modal ModalDrawer h-full is-closed p-0" x-data role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="drawer-1" data-modal="toggle" aria-label="close"></button> <div class="Modal-container ModalDrawer-container" role="document" > <div class="ModalDrawer-scroller p-6 bg-white box-shadow-four rounded-t-lg"> <div class="ModalDrawer-content m-auto"> <div class="wysiwyg display-block w-full has-links"> <h3>How to apply for a home equity loan</h3> <ol> <li><strong>Check your credit</strong><br />The higher your credit score, the better your rate.</li> <li><strong>Calculate your home equity</strong><br />How much you can borrow will be determined by the difference between your home’s value and how much you owe on your mortgage.</li> <li><strong>Consider how much other debt you already have</strong><br />A little consumer debt is fine, but if you have car loans and credit card balances, getting approved might be tricky.</li> <li><strong>Complete the lender's application</strong><br />Many lenders let you start the application process online by entering your personal and financial information.</li> <li><strong>Be aware of potential fees</strong><br />You may also need to pay fees for a loan application, credit check and home appraisal.</li> </ol></div></div> </div> <button class="ModalDrawer-close p-3 w-12 cursor-pointer bg-transparent text-blue md:mr-2 md:mt-2" type="button" data-modal="toggle" data-target="drawer-1" aria-label="close"> <svg width="24" height="24" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 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Our mortgage rate tables allow users to easily compare offers from trusted lenders and get personalized quotes in under 2 minutes. While our priority is <a class="Link" href="https://www.bankrate.com/editorial-guidelines/" target="_blank" rel="noopener">editorial integrity</a>, these pages may contain references to products from our partners. 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id="3623e52e-143e-43ab-a904-b94c66f3b38a" class="table-container" tabindex="0"> <table id="table-3623e52e-143e-43ab-a904-b94c66f3b38a" class="Table table-content "> <thead> <tr> <th class="text-left"> LOAN TYPE </th> <th class="text-right"> AVERAGE RATE</th> <th class="text-right"> AVERAGE RATE RANGE</th> </tr> </thead> <tbody> <tr id="24e73b49-ed0d-4301-87a3-7f48869d97bf" class=""> <td data-col="1" class="text-left"> Home equity loan </td> <td data-col="2" class="text-right"> 8.41%</td> <td data-col="3" class="text-right"> 8.04% - 9.24%</td> </tr> <tr id="cb02d641-281a-4000-a632-d7e8d50b14ad" class=""> <td data-col="1" class="text-left"> 10-year home equity loan</td> <td data-col="2" class="text-right"> 8.55%</td> <td data-col="3" class="text-right"> 7.73% - 9.31%</td> </tr> <tr id="6a818706-6451-4282-a4ba-604f0c219f85" class=""> <td data-col="1" class="text-left"> 15-year home equity loan</td> <td data-col="2" class="text-right"> 8.50%</td> <td data-col="3" class="text-right"> 8.00% - 10.17%</td> </tr> </tbody> </table> <table id="header-fixed-3623e52e-143e-43ab-a904-b94c66f3b38a" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> <div class="infogram-embed" data-id="infogram_0_85cddc01-dc5a-4ab7-9f67-28794e116ef5" data-type="interactive" data-title="Average_HELOC_HEL_rates"></div> <div class="wysiwyg display-block w-full has-links"> <p class="type-body-two text-sm text-sm">To conduct the National Average survey, Bankrate obtains rate information from the 10 largest banks and thrifts in 10 large U.S. markets. The rates shown above are calculated using a loan or line amount of $30,000, with a FICO score of 700 and a combined loan-to-value ratio of 80 percent.</p> <p class="type-body-two text-sm text-sm">Note: The above APRs are current as of Feb. 12, 2025. The exact APR you might qualify for depends on your credit score and other factors, such as whether you're an existing customer or enroll in auto-payments.</p></div> <div class="wysiwyg display-block w-full has-links"> <h2><strong>National home equity loan interest rate trends - Feb. 12, 2025</strong><strong><br></strong></h2> <h3>Home equity loans drop in latest week </h3> <p><span style="font-family: sans-serif; font-size: 1em;">Home equity rates fell for the week, with the average rate on the 10-year, $30,000 <a class="Link" href="https://www.bankrate.com/home-equity/what-is-home-equity-loan/">home equity loan</a> and the 15-year $30,000 loan dipping two basis points to 8.55 percent and 8.50 percent, respectively, according to Bankrate’s survey of large lenders.  The 5-year loan also fell, losing three basis points, to 8.41 percent. </span></p> <p><span style="font-family: sans-serif; font-size: 1em;">Unlike HELOCs, home equity loan rates are fixed. Once you close your loan, your rate will stay the same whether market rates rise or fall (unless you refinance). However, interest rates on new home equity loans do shift in response to economic conditions and influences, including Federal Reserve monetary policy. At its latest policy-setting meeting in January, the Fed left its benchmark rate unchanged, saying the economy remains strong.</span></p> <p>Greg McBride, CFA, Bankrate's chief financial analyst, forecasts that <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-rates-forecast/">the Fed could cut rates three times in 2025</a>, setting the stage for HELOCs home equity loans to average 7.90 percent by the end of the year.<br><br>“Fixed-rate home equity loans will be lower, but the volatility in longer-term Treasury yields will temper the extent of declines seen in the average home equity loan rate,” McBride says.<br><br>Generally, a home equity loan is best when you’re certain of the total lump sum you need and exactly when and how you’ll spend the money. Millennial homeowners are more likely than other generations to approve tapping home equity for investing and to keep up with household bills, according to Bankrate’s <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-insights-survey/">Home Equity Insights Survey</a>.</p></div> <div class="infogram-embed" data-id="infogram_0_a181935b-52aa-4c39-9b34-dc874306958c" data-type="interactive" data-title="BR-HEL-rates-by-metro"></div> </div> <div id="guide" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>How to choose the best home equity loan</h2> <p>Many lenders have fixed <a class="Link" href="https://www.bankrate.com/mortgages/what-is-loan-to-value-ratio-ltv/">loan-to-value (LTV) ratio</a> requirements for their home equity loans, meaning you'll need to have a certain amount of equity in your home to qualify. Lenders will also factor in your credit score and income when determining your rate and eligibility. Minimum requirements generally include a credit score of 620 or higher, a maximum loan-to-value ratio of 80 percent or 85 percent and a documented source of income.</p> <p>When shopping for a home equity loan, look for a competitive interest rate, repayment terms that meet your needs and minimal fees. Loan details presented here are current as of the publication date, but definitely check the lenders’ websites to see if there is more recent information.</p> <p><strong>How to choose the best home equity loan for you:</strong></p> <ol> <li>Compare your credit score to lender requirements. Some lenders accept applications from borrowers with credit scores in the 600s, others don’t.</li> <li>Weigh each lender’s combination of interest rates and fees. Both can range widely from one lender to another. The annual percentage rate (APR) on a loan reflects the combined impact of rates and fees.</li> <li>Figure out how much home equity you have. Some lenders let you tap up to 90 percent of your home’s value. Others cap that amount at 80 percent.</li> <li>Determine your debt-to-income ratio: all your current monthly obligations divided by your monthly gross income. Lenders look at this ratio to measure your ability to repay the loan, and some allow a larger ratio than others.</li> <li>Determine how much you need to borrow. Some lenders offer home equity loans as big as $500,000, others have a max of $100,000.</li> </ol></div> <div class="BlockQuote pb-8 BlockQuote--bordered display-flex flex-direction-column align-items-center text-center md:text-left md:flex-direction-row gap-3 md:gap-8" > <div class="ImageContainer"> <div class="AuthorAvatar AvatarQuote flex-shrink-0" style="background-image: url(https://www.bankrate.com/f/102997/200x200/aaa8f1ae37/lindabellavatar.jfif?width=240&height=240&fit=cover&enable=upscale&crop=1:1,smart)" ></div> </div> <blockquote class="BlockQuote-text text-center md:text-left" > <q>Choosing the right lender is an important part of the home equity loan process. Start out with three lenders. Take the time to research them thoroughly, comparing their reputation, loan terms, rates and customer service. Not only will this streamline the borrowing process, but it will also help you secure the right home equity loan for your financial situation.</q> <cite class="PullQuote-cite text-black ml-0 md:ml-4">— Linda Bell, Senior Writer, Home Lending </cite> </blockquote> </div> <ul class="Accordion w-full" data-cy="accordion-74dccf9c-f4a6-4c70-b833-3459fd8fb55e"> <li x-id="['panel-requirements-checklist', 'heading-requirements-checklist']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-requirements-checklist')" :aria-controls="$id('panel-requirements-checklist')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="requirement-checklist" data-type="" data-location="" data-name="" data-position="" data-text="" data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Document Icon</title><path d="M18.323 23.99H10.11A4.5 4.5 0 0 1 5.7 19.399V8.564c.055-2.432 2.069-4.399 4.486-4.399h5.858c.743 0 1.464.31 1.975.836l3.92 4.082c.489.51.76 1.184.76 1.897v8.434a4.547 4.547 0 0 1-4.37 4.584l-.007-.007Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M16.365 22.492H7.669a4.765 4.765 0 0 1-4.668-4.863V6.158C3.06 3.583 5.191 1.5 7.751 1.5h6.202c.788 0 1.55.328 2.092.886l4.15 4.32c.518.542.805 1.256.805 2.01v8.93a4.814 4.814 0 0 1-4.627 4.854l-.008-.008ZM7.75 2.812a3.464 3.464 0 0 0-3.445 3.354v11.471a3.454 3.454 0 0 0 3.371 3.535h8.655c1.879-.074 3.355-1.632 3.347-3.535V8.84h-2.413a3.464 3.464 0 0 1-3.453-3.452V2.812H7.75Zm7.374.517v2.058c0 1.18.96 2.14 2.141 2.14h1.892L15.125 3.33Zm-.705 12.988H8.628a.658.658 0 0 1-.656-.656c0-.36.295-.656.656-.656h5.792c.36 0 .656.295.656.656 0 .361-.295.656-.656.656Zm-2.199-4.026H8.62a.658.658 0 0 1-.656-.656c0-.36.295-.656.656-.656h3.601c.361 0 .657.295.657.656 0 .36-.296.656-.657.656Z" class="icon-base"/></svg> <p class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> The documents and information you’ll typically need to apply for a home equity loan include:</span> </p> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-requirements-checklist')" :labelledBy="$id('heading-requirements-checklist')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Identification or Social Security Number</li> <li>Employment history and employer’s contact information</li> <li>Evidence of your income for the past two years, typically through your tax returns</li> <li>Last two W-2 statements</li> <li>Most recent pay stub</li> <li>Proof of ownership of the home</li> <li>Home insurance declarations page</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-requirements-checklist')" :labelledBy="$id('heading-requirements-checklist')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Identification or Social Security Number</li> <li>Employment history and employer’s contact information</li> <li>Evidence of your income for the past two years, typically through your tax returns</li> <li>Last two W-2 statements</li> <li>Most recent pay stub</li> <li>Proof of ownership of the home</li> <li>Home insurance declarations page</li> </ul></div> </div> </div> </noscript> </li> </ul> <div class="SupplementaryLink"> Also check out: <a class=" " href="https://www.bankrate.com/home-equity/home-equity-loan-lenders/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/home-equity/home-equity-loan-rates/" data-name="Learn more link" data-position="middle" data-text="Bankrate's picks for Best Home Equity Loan Lenders" data-outcome="send to page" > Bankrate's picks for Best Home Equity Loan Lenders</a> </div> </div> <div id="rates" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>Best home equity loan rates in February 2025</h2> <p>The best home equity loan lenders offer a variety of repayment terms, low interest rates and few fees. Each lender will evaluate your eligibility differently, so shopping around can help you find the best offer. Your rate will depend on your credit score, income, home equity and more, with the lowest rates going to the most creditworthy borrowers.</p></div> <div x-data="table({ containerId: '65e13db0-8d99-4acf-ae6d-8d7fbb111119', tableId: 'table-65e13db0-8d99-4acf-ae6d-8d7fbb111119', buttonId: 'button-65e13db0-8d99-4acf-ae6d-8d7fbb111119', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="65e13db0-8d99-4acf-ae6d-8d7fbb111119" class="table-container" tabindex="0"> <table id="table-65e13db0-8d99-4acf-ae6d-8d7fbb111119" class="Table table-content "> <thead> <tr> <th class="text-left"> LOAN TYPE </th> <th class="text-right"> LOAN AMOUNT</th> <th class="text-right"> LOAN TERM</th> <th class="text-right"> STARTING APR</th> </tr> </thead> <tbody> <tr id="2bfb5079-a433-478c-beb4-3ca79731c1c6" class=""> <td data-col="1" class="text-left"> <div class=""> <a class="Link table-link" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/#police-and-fire" > Police and Fire Federal Credit Union</a> </div> </td> <td data-col="2" class="text-right"> Up to $600,000</td> <td data-col="3" class="text-right"> 5 to 20 years</td> <td data-col="4" class="text-right"> 6.99%</td> </tr> <tr id="2bf17b72-3010-44b3-80ad-d534e4e9930b" class=""> <td data-col="1" class="text-left"> <div class=""> <a class="Link table-link" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/#regions" > Regions Bank</a> </div> </td> <td data-col="2" class="text-right"> $10,000–$250,000</td> <td data-col="3" class="text-right"> 10 to 20 years</td> <td data-col="4" class="text-right"> 6.75%</td> </tr> <tr id="b5b911f4-2515-4f47-aeb7-a1b417435381" class=""> <td data-col="1" class="text-left"> <div class=""> <a class="Link table-link" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/#connexus" > Connexus Credit Union</a> </div> </td> <td data-col="2" class="text-right"> $5,000 minimum</td> <td data-col="3" class="text-right"> 5 to 15 years</td> <td data-col="4" class="text-right"> 7.31%</td> </tr> <tr id="4cd394b9-326b-4639-83a2-ff48d2e03087" class=""> <td data-col="1" class="text-left"> <div class=""> <a class="Link table-link" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/#third-federal" > Third Federal Savings and Loan</a> </div> </td> <td data-col="2" class="text-right"> $10,000–$300,000</td> <td data-col="3" class="text-right"> 5 to 20 years</td> <td data-col="4" class="text-right"> 6.99%</td> </tr> <tr id="226599d5-7edd-416b-a517-9308adf18798" class=""> <td data-col="1" class="text-left"> <div class=""> <a class="Link table-link" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/#us-bank" > US Bank</a> </div> </td> <td data-col="2" class="text-right"> $25,000–$750,000 ($1 million in CA)</td> <td data-col="3" class="text-right"> Up to 30 years</td> <td data-col="4" class="text-right"> 7.65% </td> </tr> <tr id="6657fc06-50e1-47b6-8f19-b80d0112f816" class=""> <td data-col="1" class="text-left"> <div class=""> <a class="Link table-link" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/#td-bankl" > TD Bank</a> </div> </td> <td data-col="2" class="text-right"> $10,000 minimum</td> <td data-col="3" class="text-right"> 5 to 30 years</td> <td data-col="4" class="text-right"> 7.99%</td> </tr> <tr id="ccfa03bc-742c-499e-865c-2adba5e6ee39" class=""> <td data-col="1" class="text-left"> <div class=""> <a class="Link table-link" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/#discover" > Discover</a> </div> </td> <td data-col="2" class="text-right"> $35,000–$300,000</td> <td data-col="3" class="text-right"> 10 to 30 years</td> <td data-col="4" class="text-right"> 7.00% 1st lien | 8.00% 2nd lien</td> </tr> <tr id="7ddb18f1-d176-4327-99ef-8bef45bb0443" class=""> <td data-col="1" class="text-left"> <div class=""> <a class="Link table-link" href="https://www.bankrate.com/home-equity/home-equity-loan-rates/#rockland" > Rockland Trust Bank</a> </div> </td> <td data-col="2" class="text-right"> $25,000–$400,000</td> <td data-col="3" class="text-right"> 5 to 20 years</td> <td data-col="4" class="text-right"> 8.12%</td> </tr> </tbody> </table> <table id="header-fixed-65e13db0-8d99-4acf-ae6d-8d7fbb111119" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> <div class="wysiwyg display-block w-full has-links"> <p class="text-slate text-gray-700 type-body-two text-sm text-gray text-gray-400-700 text-gray-400">Note: The above APRs are current as of February 4, 2025. The exact APR you might qualify for depends on your credit score and other factors, such as whether you're an existing customer or enroll in auto-payments.</p></div> <article class="BankDetail mb-8 BankDetail--noSubtitle"> <h3 class="BankDetail-title type-heading-four mb-5"> <div class="wysiwyg display-block w-full has-links"> <div id="police-and-fire"><a class="Link" href="https://www.bankrate.com/home-equity/reviews/police-and-fire-federal-credit-union/">Police and Fire Federal Credit Union</a></div></div> </h3> <div class="BankDetail-logoRating mb-4"> <div class="mb-0"> <img src="https://www.bankrate.com/f/102997/800x450/d6dabd2088/police-and-fire-credit-union.jpg?auto=webp&fit=&width=200&format=pjpg" alt="Police and Fire Federal Credit Union logo" width="200"> </div> <div class="mt-1"> <div class="display-flex align-items-center justify-content-space-between"> <div class="display-flex flex-direction-column text-center align-items-center"> <div class="star-rating star-rating--number-size-sm" style="font-size: 16px"> <span class="visually-hidden">Rating: 3.3 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 36%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> <span class="leading-tight rating-number">3.3</span> </div> </div> <div class="mb-0 display-flex align-items-center"> <span class="flex-1 type-body-three text-slate mr-1" style="white-space: nowrap;"> Bankrate Score </span> <div class="flex-1 leading-none"> <div class="Tooltip" data-tooltip="container" data-tooltip-type="hover"> <div data-tooltip="trigger" class="Tooltip-trigger"> <div> <svg width="13" height="12" viewBox="0 0 13 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.5 12C9.81371 12 12.5 9.31371 12.5 6C12.5 2.68629 9.81371 0 6.5 0C3.18629 0 0.5 2.68629 0.5 6C0.5 9.31371 3.18629 12 6.5 12ZM6.5 11.25C3.60051 11.25 1.25 8.8995 1.25 6C1.25 3.10051 3.60051 0.75 6.5 0.75C9.3995 0.75 11.75 3.10051 11.75 6C11.75 8.8995 9.3995 11.25 6.5 11.25ZM5.75 3.75915C5.75 3.33841 6.08841 3 6.5 3C6.92073 3 7.25 3.33841 7.25 3.75915C7.25 4.16159 6.92073 4.5 6.5 4.5C6.08841 4.5 5.75 4.16159 5.75 3.75915ZM5.75 9V5.25H7.25V9H5.75Z" fill="#0157FF"></path> </svg> </div> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter Tooltip-content-narrow display-none"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div> <p class="type-body-one font-black mb-2"> Bankrate Rating = 3.3/5 </p> <p class="text-slate type-body-two leading-normal"> The Bankrate Score is based on availability, affordability, and customer experience.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="BankDetail-overview"> <h4 class="type-body-one font-circular-bold mb-4"> Overview </h4> <div class="DefinitionList mb-8 DefinitionList--table"> <dl> <div class="Definition-item display-flex"> <dt class="text-black">Lender</dt> <dd class="text-slate">Police and Fire Federal Credit Union</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">APR starting at</dt> <dd class="text-slate">6.99%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Loan Amount</dt> <dd class="text-slate">Up to $600,000</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max LTV Ratio</dt> <dd class="text-slate">Up to 100%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max Debt-to-income ratio</dt> <dd class="text-slate">N/A</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Min. Credit Score</dt> <dd class="text-slate">700</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Term Lengths</dt> <dd class="text-slate">Five to 20 years</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Fees</dt> <dd class="text-slate">Appraisal upgrade fee ($150), returned loan payment fee ($15), credit card payment fee ($10), late payment fee (5% of monthly principal and interest payment)</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Available Nationwide?</dt> <dd class="text-slate">Philadelphia and South Jersey</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Average days to close</dt> <dd class="text-slate">Within 35 days of application</dd> </div> </dl> </div> </div> <div class="BankDetail-productStats"> </div> <div class="BankDetail-accordions"> <ul class="Accordion w-full" data-cy="accordion-2c8eff83-bbeb-4a9d-b4f6-ad11b13c9813"> <li x-id="['panel-bmo-pros', 'heading-bmo-pros']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-bmo-pros')" :aria-controls="$id('panel-bmo-pros')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" perks " data-position="1" data-text=" Perks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Perks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-bmo-pros')" :labelledBy="$id('heading-bmo-pros')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>There are no closing costs or application fees on home equity loans or HELOCs.</li> <li>PFFCU offers competitive rates without charging any points; loans can be as high as $600,000.</li> <li>You can receive a decision in one business day when applying during regular business hours.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-bmo-pros')" :labelledBy="$id('heading-bmo-pros')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>There are no closing costs or application fees on home equity loans or HELOCs.</li> <li>PFFCU offers competitive rates without charging any points; loans can be as high as $600,000.</li> <li>You can receive a decision in one business day when applying during regular business hours.</li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-what-to-watch-out-for', 'heading-what-to-watch-out-for']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-to-watch-out-for')" :aria-controls="$id('panel-what-to-watch-out-for')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what to watch out for: " data-position="2" data-text=" What to watch out for: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Eye Show Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M.08 12.376C2.578 18.205 7.033 21.68 12 21.68c4.956-.012 9.423-3.487 11.92-9.304a.918.918 0 0 0 0-.752C21.422 5.795 16.967 2.32 12 2.32S2.577 5.795.08 11.624a.918.918 0 0 0 0 .752ZM12 19.757c-4.085 0-7.799-2.89-10.008-7.763C4.213 7.121 7.927 4.231 12 4.231c4.085 0 7.799 2.89 10.009 7.763-2.222 4.873-5.936 7.763-10.009 7.763Zm-4.73-7.763a4.74 4.74 0 0 0 4.73 4.73 4.74 4.74 0 0 0 4.73-4.73A4.74 4.74 0 0 0 12 7.264a4.74 4.74 0 0 0-4.73 4.73Zm1.911 0A2.824 2.824 0 0 1 12 9.175a2.824 2.824 0 0 1 2.819 2.819 2.824 2.824 0 0 1-2.82 2.819 2.824 2.824 0 0 1-2.818-2.819Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What to watch out for:</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>PFFCU requires membership, and to become a member, you must be an active or retired Philadelphia firefighter or police officer or family member of the same; or an employee of one of the credit union’s affiliated organizations.</li> <li>The credit union’s HELOC has a five-year draw period, half the length of the decade-long draw that other lenders offer.   </li> <li>The late fee for home equity loans is 5% of the loan’s monthly principal and interest.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>PFFCU requires membership, and to become a member, you must be an active or retired Philadelphia firefighter or police officer or family member of the same; or an employee of one of the credit union’s affiliated organizations.</li> <li>The credit union’s HELOC has a five-year draw period, half the length of the decade-long draw that other lenders offer.   </li> <li>The late fee for home equity loans is 5% of the loan’s monthly principal and interest.</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="BankDetail mb-8 BankDetail--noSubtitle"> <h3 class="BankDetail-title type-heading-four mb-5"> <div class="wysiwyg display-block w-full has-links"> <div id="regions"><a class="Link" href="https://www.bankrate.com/home-equity/reviews/regions-bank/">Regions Bank</a></div></div> </h3> <div class="BankDetail-logoRating mb-4"> <div class="mb-0"> <img src="https://www.bankrate.com/f/102997/5000x835/78fb0bafe4/regions_bank_logo.png?auto=webp&fit=&width=200&format=pjpg" alt="" width="200"> </div> <div class="mt-1"> <div class="display-flex align-items-center justify-content-space-between"> <div class="display-flex flex-direction-column text-center align-items-center"> <div class="star-rating star-rating--number-size-sm" style="font-size: 16px"> <span class="visually-hidden">Rating: 3.8 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 71%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> <span class="leading-tight rating-number">3.8</span> </div> </div> <div class="mb-0 display-flex align-items-center"> <span class="flex-1 type-body-three text-slate mr-1" style="white-space: nowrap;"> Bankrate Score </span> <div class="flex-1 leading-none"> <div class="Tooltip" data-tooltip="container" data-tooltip-type="hover"> <div data-tooltip="trigger" class="Tooltip-trigger"> <div> <svg width="13" height="12" viewBox="0 0 13 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.5 12C9.81371 12 12.5 9.31371 12.5 6C12.5 2.68629 9.81371 0 6.5 0C3.18629 0 0.5 2.68629 0.5 6C0.5 9.31371 3.18629 12 6.5 12ZM6.5 11.25C3.60051 11.25 1.25 8.8995 1.25 6C1.25 3.10051 3.60051 0.75 6.5 0.75C9.3995 0.75 11.75 3.10051 11.75 6C11.75 8.8995 9.3995 11.25 6.5 11.25ZM5.75 3.75915C5.75 3.33841 6.08841 3 6.5 3C6.92073 3 7.25 3.33841 7.25 3.75915C7.25 4.16159 6.92073 4.5 6.5 4.5C6.08841 4.5 5.75 4.16159 5.75 3.75915ZM5.75 9V5.25H7.25V9H5.75Z" fill="#0157FF"></path> </svg> </div> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter Tooltip-content-narrow display-none"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div> <p class="type-body-one font-black mb-2"> Bankrate Rating = 3.8/5 </p> <p class="text-slate type-body-two leading-normal"> The Bankrate Score is based on availability, affordability, and customer experience.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="BankDetail-overview"> <h4 class="type-body-one font-circular-bold mb-4"> Overview </h4> <div class="DefinitionList mb-8 DefinitionList--table"> <dl> <div class="Definition-item display-flex"> <dt class="text-black">Lender</dt> <dd class="text-slate">Regions Bank</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">APR starting at</dt> <dd class="text-slate">6.75%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Loan Amount</dt> <dd class="text-slate">$10,000 to $250,000</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max LTV Ratio</dt> <dd class="text-slate">89%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max Debt-to-income ratio</dt> <dd class="text-slate">N/A</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Min. Credit Score</dt> <dd class="text-slate">N/A</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Term Lengths</dt> <dd class="text-slate">10, 15, and 20 years</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Fees</dt> <dd class="text-slate">Late payment fee of 5% of amount due ($29 - $100)</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Available Nationwide?</dt> <dd class="text-slate">Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Average days to close</dt> <dd class="text-slate">32 days</dd> </div> </dl> </div> </div> <div class="BankDetail-productStats"> </div> <div class="BankDetail-accordions"> <ul class="Accordion w-full" data-cy="accordion-7eb9e6aa-9bb7-423e-9b8d-16368da4799c"> <li x-id="['panel-connexus-pros', 'heading-connexus-pros']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-connexus-pros')" :aria-controls="$id('panel-connexus-pros')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" perks " data-position="1" data-text=" Perks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Perks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-connexus-pros')" :labelledBy="$id('heading-connexus-pros')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>The company’s home equity loans have low interest rates, no annual fee and flexible repayment terms.</li> <li>Regions pays all closing costs.</li> <li>Borrowers may also qualify for a rate discount by setting up autopay from a Regions Bank checking account.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-connexus-pros')" :labelledBy="$id('heading-connexus-pros')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>The company’s home equity loans have low interest rates, no annual fee and flexible repayment terms.</li> <li>Regions pays all closing costs.</li> <li>Borrowers may also qualify for a rate discount by setting up autopay from a Regions Bank checking account.</li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-what-to-watch-out-for', 'heading-what-to-watch-out-for']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-to-watch-out-for')" :aria-controls="$id('panel-what-to-watch-out-for')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what to watch out for: " data-position="2" data-text=" What to watch out for: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Eye Show Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M.08 12.376C2.578 18.205 7.033 21.68 12 21.68c4.956-.012 9.423-3.487 11.92-9.304a.918.918 0 0 0 0-.752C21.422 5.795 16.967 2.32 12 2.32S2.577 5.795.08 11.624a.918.918 0 0 0 0 .752ZM12 19.757c-4.085 0-7.799-2.89-10.008-7.763C4.213 7.121 7.927 4.231 12 4.231c4.085 0 7.799 2.89 10.009 7.763-2.222 4.873-5.936 7.763-10.009 7.763Zm-4.73-7.763a4.74 4.74 0 0 0 4.73 4.73 4.74 4.74 0 0 0 4.73-4.73A4.74 4.74 0 0 0 12 7.264a4.74 4.74 0 0 0-4.73 4.73Zm1.911 0A2.824 2.824 0 0 1 12 9.175a2.824 2.824 0 0 1 2.819 2.819 2.824 2.824 0 0 1-2.82 2.819 2.824 2.824 0 0 1-2.818-2.819Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What to watch out for:</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>The property securing your home equity loan has to be located in a state where Regions has a branch, and you’ll need to close on the loan at a branch location. </li> <li>You’ll need at least $10,000 in equity to qualify for a loan. </li> <li>The bank charges several fees, including 5% late fees (with a minimum of $29 and a maximum of $100 in most states) and a $15 returned check fee.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>The property securing your home equity loan has to be located in a state where Regions has a branch, and you’ll need to close on the loan at a branch location. </li> <li>You’ll need at least $10,000 in equity to qualify for a loan. </li> <li>The bank charges several fees, including 5% late fees (with a minimum of $29 and a maximum of $100 in most states) and a $15 returned check fee.</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="BankDetail mb-8 BankDetail--noSubtitle"> <h3 class="BankDetail-title type-heading-four mb-5"> <div class="wysiwyg display-block w-full has-links"> <div id="connexus"><a class="Link" href="https://www.bankrate.com/home-equity/reviews/connexus-credit-union/">Connexus Credit Union</a></div></div> </h3> <div class="BankDetail-logoRating mb-4"> <div class="mb-0"> <img src="https://www.bankrate.com/f/102997/800x450/a326e785b4/connexus-credit-union-home-equity-lender-review.jpg?auto=webp&fit=&width=200&format=pjpg" alt="Connexus Credit Union logo" width="200"> </div> <div class="mt-1"> <div class="display-flex align-items-center justify-content-space-between"> <div class="display-flex flex-direction-column text-center align-items-center"> <div class="star-rating star-rating--number-size-sm" style="font-size: 16px"> <span class="visually-hidden">Rating: 3.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> <span class="leading-tight rating-number">3.5</span> </div> </div> <div class="mb-0 display-flex align-items-center"> <span class="flex-1 type-body-three text-slate mr-1" style="white-space: nowrap;"> Bankrate Score </span> <div class="flex-1 leading-none"> <div class="Tooltip" data-tooltip="container" data-tooltip-type="hover"> <div data-tooltip="trigger" class="Tooltip-trigger"> <div> <svg width="13" height="12" viewBox="0 0 13 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.5 12C9.81371 12 12.5 9.31371 12.5 6C12.5 2.68629 9.81371 0 6.5 0C3.18629 0 0.5 2.68629 0.5 6C0.5 9.31371 3.18629 12 6.5 12ZM6.5 11.25C3.60051 11.25 1.25 8.8995 1.25 6C1.25 3.10051 3.60051 0.75 6.5 0.75C9.3995 0.75 11.75 3.10051 11.75 6C11.75 8.8995 9.3995 11.25 6.5 11.25ZM5.75 3.75915C5.75 3.33841 6.08841 3 6.5 3C6.92073 3 7.25 3.33841 7.25 3.75915C7.25 4.16159 6.92073 4.5 6.5 4.5C6.08841 4.5 5.75 4.16159 5.75 3.75915ZM5.75 9V5.25H7.25V9H5.75Z" fill="#0157FF"></path> </svg> </div> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter Tooltip-content-narrow display-none"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div> <p class="type-body-one font-black mb-2"> Bankrate Rating = 3.5/5 </p> <p class="text-slate type-body-two leading-normal"> The Bankrate Score is based on availability, affordability, and customer experience.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="BankDetail-overview"> <h4 class="type-body-one font-circular-bold mb-4"> Overview </h4> <div class="DefinitionList mb-8 DefinitionList--table"> <dl> <div class="Definition-item display-flex"> <dt class="text-black">Lender</dt> <dd class="text-slate">Connexus Credit Union</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">APR starting at</dt> <dd class="text-slate">7.31%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Loan Amount</dt> <dd class="text-slate">$5,000 minimum</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max LTV Ratio</dt> <dd class="text-slate">90%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max Debt-to-income ratio</dt> <dd class="text-slate">N/A</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Min. Credit Score</dt> <dd class="text-slate">N/A</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Term Lengths</dt> <dd class="text-slate">5, 10, and 15 years</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Fees</dt> <dd class="text-slate">Closing costs between $175 and $2,000</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Available Nationwide?</dt> <dd class="text-slate">All states except Alaska, Hawaii, Maryland and Texas</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Average days to close</dt> <dd class="text-slate">Within 30 days of applying</dd> </div> </dl> </div> </div> <div class="BankDetail-productStats"> </div> <div class="BankDetail-accordions"> <ul class="Accordion w-full" data-cy="accordion-766b31e1-7f4c-4cb9-929b-fb1b6c897bf4"> <li x-id="['panel-connexus-pros', 'heading-connexus-pros']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-connexus-pros')" :aria-controls="$id('panel-connexus-pros')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" perks " data-position="1" data-text=" Perks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Perks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-connexus-pros')" :labelledBy="$id('heading-connexus-pros')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Within 24 hours of applying for the home equity loan, a personal lender will reach out to you to begin the process. </li> <li>Connexus’ home equity loans don’t have an annual fee.</li> <li>Most applications don’t require an appraisal and can be completed entirely online in minutes.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-connexus-pros')" :labelledBy="$id('heading-connexus-pros')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Within 24 hours of applying for the home equity loan, a personal lender will reach out to you to begin the process. </li> <li>Connexus’ home equity loans don’t have an annual fee.</li> <li>Most applications don’t require an appraisal and can be completed entirely online in minutes.</li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-what-to-watch-out-for', 'heading-what-to-watch-out-for']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-to-watch-out-for')" :aria-controls="$id('panel-what-to-watch-out-for')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what to watch out for: " data-position="2" data-text=" What to watch out for: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Eye Show Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M.08 12.376C2.578 18.205 7.033 21.68 12 21.68c4.956-.012 9.423-3.487 11.92-9.304a.918.918 0 0 0 0-.752C21.422 5.795 16.967 2.32 12 2.32S2.577 5.795.08 11.624a.918.918 0 0 0 0 .752ZM12 19.757c-4.085 0-7.799-2.89-10.008-7.763C4.213 7.121 7.927 4.231 12 4.231c4.085 0 7.799 2.89 10.009 7.763-2.222 4.873-5.936 7.763-10.009 7.763Zm-4.73-7.763a4.74 4.74 0 0 0 4.73 4.73 4.74 4.74 0 0 0 4.73-4.73A4.74 4.74 0 0 0 12 7.264a4.74 4.74 0 0 0-4.73 4.73Zm1.911 0A2.824 2.824 0 0 1 12 9.175a2.824 2.824 0 0 1 2.819 2.819 2.824 2.824 0 0 1-2.82 2.819 2.824 2.824 0 0 1-2.818-2.819Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What to watch out for:</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Borrowers are responsible for closing costs that can range from $175 to $2,000, depending on the property location and loan terms. </li> <li>Connexus doesn’t offer home equity loans in Alaska, Hawaii, Maryland and Texas.</li> <li>Membership in the company’s credit union is required to get a HELOC or home equity loan.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Borrowers are responsible for closing costs that can range from $175 to $2,000, depending on the property location and loan terms. </li> <li>Connexus doesn’t offer home equity loans in Alaska, Hawaii, Maryland and Texas.</li> <li>Membership in the company’s credit union is required to get a HELOC or home equity loan.</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="BankDetail mb-8 BankDetail--noSubtitle"> <h3 class="BankDetail-title type-heading-four mb-5"> <div class="wysiwyg display-block w-full has-links"> <div id="third-federal"><a class="Link" href="https://www.bankrate.com/home-equity/reviews/third-federal-savings-and-loan/">Third Federal Savings and Loan</a></div></div> </h3> <div class="BankDetail-logoRating mb-4"> <div class="mb-0"> <img src="https://www.bankrate.com/f/102997/800x450/5806e174e5/thrid-federal.jpg?auto=webp&fit=&width=200&format=pjpg" alt="" width="200"> </div> <div class="mt-1"> <div class="display-flex align-items-center justify-content-space-between"> <div class="display-flex flex-direction-column text-center align-items-center"> <div class="star-rating star-rating--number-size-sm" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> <span class="leading-tight rating-number">4.5</span> </div> </div> <div class="mb-0 display-flex align-items-center"> <span class="flex-1 type-body-three text-slate mr-1" style="white-space: nowrap;"> Bankrate Score </span> <div class="flex-1 leading-none"> <div class="Tooltip" data-tooltip="container" data-tooltip-type="hover"> <div data-tooltip="trigger" class="Tooltip-trigger"> <div> <svg width="13" height="12" viewBox="0 0 13 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.5 12C9.81371 12 12.5 9.31371 12.5 6C12.5 2.68629 9.81371 0 6.5 0C3.18629 0 0.5 2.68629 0.5 6C0.5 9.31371 3.18629 12 6.5 12ZM6.5 11.25C3.60051 11.25 1.25 8.8995 1.25 6C1.25 3.10051 3.60051 0.75 6.5 0.75C9.3995 0.75 11.75 3.10051 11.75 6C11.75 8.8995 9.3995 11.25 6.5 11.25ZM5.75 3.75915C5.75 3.33841 6.08841 3 6.5 3C6.92073 3 7.25 3.33841 7.25 3.75915C7.25 4.16159 6.92073 4.5 6.5 4.5C6.08841 4.5 5.75 4.16159 5.75 3.75915ZM5.75 9V5.25H7.25V9H5.75Z" fill="#0157FF"></path> </svg> </div> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter Tooltip-content-narrow display-none"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div> <p class="type-body-one font-black mb-2"> Bankrate Rating = 4.5/5 </p> <p class="text-slate type-body-two leading-normal"> The Bankrate Score is based on availability, affordability, and customer experience.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="BankDetail-overview"> <h4 class="type-body-one font-circular-bold mb-4"> Overview </h4> <div class="DefinitionList mb-8 DefinitionList--table"> <dl> <div class="Definition-item display-flex"> <dt class="text-black">Lender</dt> <dd class="text-slate">Third Federal Savings and Loan</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">APR starting at</dt> <dd class="text-slate">6.99%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Loan Amount</dt> <dd class="text-slate">$10,000 to $200,000</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max LTV Ratio</dt> <dd class="text-slate">80%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max Debt-to-income ratio</dt> <dd class="text-slate">N/A</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Min. Credit Score</dt> <dd class="text-slate">N/A</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Term Lengths</dt> <dd class="text-slate">Five to 20 years</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Fees</dt> <dd class="text-slate">No prepayment or origination fees</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Available Nationwide?</dt> <dd class="text-slate">California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Tennessee, Virginia, Washington, Wisconsin, and Washington D.C.</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Average days to close</dt> <dd class="text-slate">N/A</dd> </div> </dl> </div> </div> <div class="BankDetail-productStats"> </div> <div class="BankDetail-accordions"> <ul class="Accordion w-full" data-cy="accordion-9ef86c05-70b9-48bc-aa68-6857d073a73d"> <li x-id="['panel-thirdfed-pros', 'heading-thirdfed-pros']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-thirdfed-pros')" :aria-controls="$id('panel-thirdfed-pros')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" perks " data-position="1" data-text=" Perks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Perks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-thirdfed-pros')" :labelledBy="$id('heading-thirdfed-pros')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Third Federal offers the choice of an adjustable-rate or fixed-rate home equity loan. </li> <li>Home equity loans and HELOCs have no application and origination fees. </li> <li>If you find a lower rate with a competitor, you may qualify for a rate match or a $1,000 check.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-thirdfed-pros')" :labelledBy="$id('heading-thirdfed-pros')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Third Federal offers the choice of an adjustable-rate or fixed-rate home equity loan. </li> <li>Home equity loans and HELOCs have no application and origination fees. </li> <li>If you find a lower rate with a competitor, you may qualify for a rate match or a $1,000 check.</li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-what-to-watch-out-for', 'heading-what-to-watch-out-for']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-to-watch-out-for')" :aria-controls="$id('panel-what-to-watch-out-for')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what to watch out for: " data-position="2" data-text=" What to watch out for: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Eye Show Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M.08 12.376C2.578 18.205 7.033 21.68 12 21.68c4.956-.012 9.423-3.487 11.92-9.304a.918.918 0 0 0 0-.752C21.422 5.795 16.967 2.32 12 2.32S2.577 5.795.08 11.624a.918.918 0 0 0 0 .752ZM12 19.757c-4.085 0-7.799-2.89-10.008-7.763C4.213 7.121 7.927 4.231 12 4.231c4.085 0 7.799 2.89 10.009 7.763-2.222 4.873-5.936 7.763-10.009 7.763Zm-4.73-7.763a4.74 4.74 0 0 0 4.73 4.73 4.74 4.74 0 0 0 4.73-4.73A4.74 4.74 0 0 0 12 7.264a4.74 4.74 0 0 0-4.73 4.73Zm1.911 0A2.824 2.824 0 0 1 12 9.175a2.824 2.824 0 0 1 2.819 2.819 2.824 2.824 0 0 1-2.82 2.819 2.824 2.824 0 0 1-2.818-2.819Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What to watch out for:</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>HELOC borrowers are charged a $95 annual fee, although it’s waived the first year. </li> <li>The company’s rate guarantee is only good for comparable HELOCs and home equity loans (including criteria like the term, loan amount and lien position) for the same property.</li> <li>Third Federal’s home equity loans are offered in fewer states than its other loan products.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>HELOC borrowers are charged a $95 annual fee, although it’s waived the first year. </li> <li>The company’s rate guarantee is only good for comparable HELOCs and home equity loans (including criteria like the term, loan amount and lien position) for the same property.</li> <li>Third Federal’s home equity loans are offered in fewer states than its other loan products.</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="BankDetail mb-8 BankDetail--noSubtitle"> <h3 class="BankDetail-title type-heading-four mb-5"> <div class="wysiwyg display-block w-full has-links"> <div id="us-bank"><a class="Link" href="https://www.bankrate.com/home-equity/reviews/us-bank/">U.S. Bank</a></div></div> </h3> <div class="BankDetail-logoRating mb-4"> <div class="mb-0"> <img src="https://www.bankrate.com/f/102997/800x450/b4a39302fd/us-bank-home-equity-lender-review.jpg?auto=webp&fit=&width=200&format=pjpg" alt="U.S. Bank logo" width="200"> </div> <div class="mt-1"> <div class="display-flex align-items-center justify-content-space-between"> <div class="display-flex flex-direction-column text-center align-items-center"> <div class="star-rating star-rating--number-size-sm" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.2 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 29%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> <span class="leading-tight rating-number">4.2</span> </div> </div> <div class="mb-0 display-flex align-items-center"> <span class="flex-1 type-body-three text-slate mr-1" style="white-space: nowrap;"> Bankrate Score </span> <div class="flex-1 leading-none"> <div class="Tooltip" data-tooltip="container" data-tooltip-type="hover"> <div data-tooltip="trigger" class="Tooltip-trigger"> <div> <svg width="13" height="12" viewBox="0 0 13 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.5 12C9.81371 12 12.5 9.31371 12.5 6C12.5 2.68629 9.81371 0 6.5 0C3.18629 0 0.5 2.68629 0.5 6C0.5 9.31371 3.18629 12 6.5 12ZM6.5 11.25C3.60051 11.25 1.25 8.8995 1.25 6C1.25 3.10051 3.60051 0.75 6.5 0.75C9.3995 0.75 11.75 3.10051 11.75 6C11.75 8.8995 9.3995 11.25 6.5 11.25ZM5.75 3.75915C5.75 3.33841 6.08841 3 6.5 3C6.92073 3 7.25 3.33841 7.25 3.75915C7.25 4.16159 6.92073 4.5 6.5 4.5C6.08841 4.5 5.75 4.16159 5.75 3.75915ZM5.75 9V5.25H7.25V9H5.75Z" fill="#0157FF"></path> </svg> </div> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter Tooltip-content-narrow display-none"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div> <p class="type-body-one font-black mb-2"> Bankrate Rating = 4.2/5 </p> <p class="text-slate type-body-two leading-normal"> The Bankrate Score is based on availability, affordability, and customer experience.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="BankDetail-overview"> <h4 class="type-body-one font-circular-bold mb-4"> Overview </h4> <div class="DefinitionList mb-8 DefinitionList--table"> <dl> <div class="Definition-item display-flex"> <dt class="text-black">Lender</dt> <dd class="text-slate">U.S. Bank</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">APR starting at</dt> <dd class="text-slate">7.65%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Loan Amount</dt> <dd class="text-slate">$25,000 to $750,000 (up to $1 million in California)</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max LTV Ratio</dt> <dd class="text-slate">80%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max Debt-to-income ratio</dt> <dd class="text-slate">N/A</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Min. Credit Score</dt> <dd class="text-slate">660</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Term Lengths</dt> <dd class="text-slate">Up to 30 years</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Fees</dt> <dd class="text-slate">No closing costs</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Available Nationwide?</dt> <dd class="text-slate">All U.S. States</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Average days to close</dt> <dd class="text-slate">N/A</dd> </div> </dl> </div> </div> <div class="BankDetail-productStats"> </div> <div class="BankDetail-accordions"> <ul class="Accordion w-full" data-cy="accordion-644a2214-ed32-4b0d-bab2-c452b4b0667a"> <li x-id="['panel-flagstar-pros', 'heading-flagstar-pros']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-flagstar-pros')" :aria-controls="$id('panel-flagstar-pros')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" perks " data-position="1" data-text=" Perks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Perks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-flagstar-pros')" :labelledBy="$id('heading-flagstar-pros')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>The company offers a 0.50 percent rate discount for those who make automatic payments from a U.S. Bank checking or savings account.</li> <li>You may be able to borrow as much as $750,000 (or up to $1 million in California) depending on your available equity, current monthly debt and credit history. </li> <li>Funds are typically available within three business days after closing.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-flagstar-pros')" :labelledBy="$id('heading-flagstar-pros')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>The company offers a 0.50 percent rate discount for those who make automatic payments from a U.S. Bank checking or savings account.</li> <li>You may be able to borrow as much as $750,000 (or up to $1 million in California) depending on your available equity, current monthly debt and credit history. </li> <li>Funds are typically available within three business days after closing.</li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-what-to-watch-out-for', 'heading-what-to-watch-out-for']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-to-watch-out-for')" :aria-controls="$id('panel-what-to-watch-out-for')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what to watch out for: " data-position="2" data-text=" What to watch out for: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Eye Show Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M.08 12.376C2.578 18.205 7.033 21.68 12 21.68c4.956-.012 9.423-3.487 11.92-9.304a.918.918 0 0 0 0-.752C21.422 5.795 16.967 2.32 12 2.32S2.577 5.795.08 11.624a.918.918 0 0 0 0 .752ZM12 19.757c-4.085 0-7.799-2.89-10.008-7.763C4.213 7.121 7.927 4.231 12 4.231c4.085 0 7.799 2.89 10.009 7.763-2.222 4.873-5.936 7.763-10.009 7.763Zm-4.73-7.763a4.74 4.74 0 0 0 4.73 4.73 4.74 4.74 0 0 0 4.73-4.73A4.74 4.74 0 0 0 12 7.264a4.74 4.74 0 0 0-4.73 4.73Zm1.911 0A2.824 2.824 0 0 1 12 9.175a2.824 2.824 0 0 1 2.819 2.819 2.824 2.824 0 0 1-2.82 2.819 2.824 2.824 0 0 1-2.818-2.819Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What to watch out for:</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>U.S. Bank tends to have stricter credit requirements: The best interest rates go to people with credit scores around 730 or higher.</li> <li>Home equity loans can’t be obtained for properties held in a trust in Louisiana, Hawaii, Louisiana, New York and Rhode Island. </li> <li>Not all loan programs are available in all states for all loan amounts.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>U.S. Bank tends to have stricter credit requirements: The best interest rates go to people with credit scores around 730 or higher.</li> <li>Home equity loans can’t be obtained for properties held in a trust in Louisiana, Hawaii, Louisiana, New York and Rhode Island. </li> <li>Not all loan programs are available in all states for all loan amounts.</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="BankDetail mb-8 BankDetail--noSubtitle"> <h3 class="BankDetail-title type-heading-four mb-5"> <div class="wysiwyg display-block w-full has-links"> <div id="td-bank"><a class="Link" href="https://www.bankrate.com/home-equity/reviews/td-bank/">TD Bank</a></div></div> </h3> <div class="BankDetail-logoRating mb-4"> <div class="mb-0"> <img src="https://www.bankrate.com/f/102997/800x450/b5f4ce5ae1/td-bank-home-equity-lender-review1.jpg?auto=webp&fit=&width=200&format=pjpg" alt="TD Bank logo" width="200"> </div> <div class="mt-1"> <div class="display-flex align-items-center justify-content-space-between"> <div class="display-flex flex-direction-column text-center align-items-center"> <div class="star-rating star-rating--number-size-sm" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.1 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 22%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> <span class="leading-tight rating-number">4.1</span> </div> </div> <div class="mb-0 display-flex align-items-center"> <span class="flex-1 type-body-three text-slate mr-1" style="white-space: nowrap;"> Bankrate Score </span> <div class="flex-1 leading-none"> <div class="Tooltip" data-tooltip="container" data-tooltip-type="hover"> <div data-tooltip="trigger" class="Tooltip-trigger"> <div> <svg width="13" height="12" viewBox="0 0 13 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.5 12C9.81371 12 12.5 9.31371 12.5 6C12.5 2.68629 9.81371 0 6.5 0C3.18629 0 0.5 2.68629 0.5 6C0.5 9.31371 3.18629 12 6.5 12ZM6.5 11.25C3.60051 11.25 1.25 8.8995 1.25 6C1.25 3.10051 3.60051 0.75 6.5 0.75C9.3995 0.75 11.75 3.10051 11.75 6C11.75 8.8995 9.3995 11.25 6.5 11.25ZM5.75 3.75915C5.75 3.33841 6.08841 3 6.5 3C6.92073 3 7.25 3.33841 7.25 3.75915C7.25 4.16159 6.92073 4.5 6.5 4.5C6.08841 4.5 5.75 4.16159 5.75 3.75915ZM5.75 9V5.25H7.25V9H5.75Z" fill="#0157FF"></path> </svg> </div> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter Tooltip-content-narrow display-none"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div> <p class="type-body-one font-black mb-2"> Bankrate Rating = 4.1/5 </p> <p class="text-slate type-body-two leading-normal"> The Bankrate Score is based on availability, affordability, and customer experience.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="BankDetail-overview"> <h4 class="type-body-one font-circular-bold mb-4"> Overview </h4> <div class="DefinitionList mb-8 DefinitionList--table"> <dl> <div class="Definition-item display-flex"> <dt class="text-black">Lender</dt> <dd class="text-slate">TD Bank</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">APR starting at</dt> <dd class="text-slate">7.99%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Loan Amount</dt> <dd class="text-slate">$10,000 minimum</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max LTV Ratio</dt> <dd class="text-slate">90%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max Debt-to-income ratio</dt> <dd class="text-slate">43%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Min. Credit Score</dt> <dd class="text-slate">620</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Term Lengths:</dt> <dd class="text-slate">5, 10, 15, 20 and 30 years</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Fees</dt> <dd class="text-slate">$99 origination fee, mortgage discharge fee when refinancing</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Available Nationwide?</dt> <dd class="text-slate">Connecticut, District Of Columbia, Delaware, Florida, Massachusetts, Maryland, Maine, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, Vermont</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Average days to close</dt> <dd class="text-slate">Up to 30 days</dd> </div> </dl> </div> </div> <div class="BankDetail-productStats"> </div> <div class="BankDetail-accordions"> <ul class="Accordion w-full" data-cy="accordion-5b9c7929-5f52-4b91-a764-1f77e14a715e"> <li x-id="['panel-keybank-pros', 'heading-keybank-pros']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-keybank-pros')" :aria-controls="$id('panel-keybank-pros')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" perks " data-position="1" data-text=" Perks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Perks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-keybank-pros')" :labelledBy="$id('heading-keybank-pros')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>You can get a 0.25% rate discount for setting up autopay from a TD Bank checking or savings account.</li> <li>TD Bank’s fixed-rate home equity loans have a wide range of terms, from 5 to 30 years. </li> <li>In most cases, you can avoid paying closing costs.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-keybank-pros')" :labelledBy="$id('heading-keybank-pros')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>You can get a 0.25% rate discount for setting up autopay from a TD Bank checking or savings account.</li> <li>TD Bank’s fixed-rate home equity loans have a wide range of terms, from 5 to 30 years. </li> <li>In most cases, you can avoid paying closing costs.</li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-what-to-watch-out-for', 'heading-what-to-watch-out-for']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-to-watch-out-for')" :aria-controls="$id('panel-what-to-watch-out-for')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what to watch out for: " data-position="2" data-text=" What to watch out for: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Eye Show Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M.08 12.376C2.578 18.205 7.033 21.68 12 21.68c4.956-.012 9.423-3.487 11.92-9.304a.918.918 0 0 0 0-.752C21.422 5.795 16.967 2.32 12 2.32S2.577 5.795.08 11.624a.918.918 0 0 0 0 .752ZM12 19.757c-4.085 0-7.799-2.89-10.008-7.763C4.213 7.121 7.927 4.231 12 4.231c4.085 0 7.799 2.89 10.009 7.763-2.222 4.873-5.936 7.763-10.009 7.763Zm-4.73-7.763a4.74 4.74 0 0 0 4.73 4.73 4.74 4.74 0 0 0 4.73-4.73A4.74 4.74 0 0 0 12 7.264a4.74 4.74 0 0 0-4.73 4.73Zm1.911 0A2.824 2.824 0 0 1 12 9.175a2.824 2.824 0 0 1 2.819 2.819 2.824 2.824 0 0 1-2.82 2.819 2.824 2.824 0 0 1-2.818-2.819Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What to watch out for:</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Unlike many other lenders on this list, TD Bank charges a $99 origination fee. </li> <li>The company’s home equity products are not available in all states. </li> <li>Early termination fees may apply.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Unlike many other lenders on this list, TD Bank charges a $99 origination fee. </li> <li>The company’s home equity products are not available in all states. </li> <li>Early termination fees may apply.</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="BankDetail mb-8 BankDetail--noSubtitle"> <h3 class="BankDetail-title type-heading-four mb-5"> <div class="wysiwyg display-block w-full has-links"> <div id="discover"><a class="Link" href="https://www.bankrate.com/home-equity/reviews/discover/">Discover</a></div></div> </h3> <div class="BankDetail-logoRating mb-4"> <div class="mb-0"> <img src="https://www.bankrate.com/f/102997/1280x720/114bdbccbc/discover-logo.jpg?auto=webp&fit=&width=200&format=pjpg" alt="Discover logo" width="200"> </div> <div class="mt-1"> <div class="display-flex align-items-center justify-content-space-between"> <div class="display-flex flex-direction-column text-center align-items-center"> <div class="star-rating star-rating--number-size-sm" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 43%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> <span class="leading-tight rating-number">4.4</span> </div> </div> <div class="mb-0 display-flex align-items-center"> <span class="flex-1 type-body-three text-slate mr-1" style="white-space: nowrap;"> Bankrate Score </span> <div class="flex-1 leading-none"> <div class="Tooltip" data-tooltip="container" data-tooltip-type="hover"> <div data-tooltip="trigger" class="Tooltip-trigger"> <div> <svg width="13" height="12" viewBox="0 0 13 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.5 12C9.81371 12 12.5 9.31371 12.5 6C12.5 2.68629 9.81371 0 6.5 0C3.18629 0 0.5 2.68629 0.5 6C0.5 9.31371 3.18629 12 6.5 12ZM6.5 11.25C3.60051 11.25 1.25 8.8995 1.25 6C1.25 3.10051 3.60051 0.75 6.5 0.75C9.3995 0.75 11.75 3.10051 11.75 6C11.75 8.8995 9.3995 11.25 6.5 11.25ZM5.75 3.75915C5.75 3.33841 6.08841 3 6.5 3C6.92073 3 7.25 3.33841 7.25 3.75915C7.25 4.16159 6.92073 4.5 6.5 4.5C6.08841 4.5 5.75 4.16159 5.75 3.75915ZM5.75 9V5.25H7.25V9H5.75Z" fill="#0157FF"></path> </svg> </div> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter Tooltip-content-narrow display-none"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div> <p class="type-body-one font-black mb-2"> Bankrate Rating = 4.4/5 </p> <p class="text-slate type-body-two leading-normal"> The Bankrate Score is based on availability, affordability, and customer experience.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="BankDetail-overview"> <h4 class="type-body-one font-circular-bold mb-4"> Overview </h4> <div class="DefinitionList mb-8 DefinitionList--table"> <dl> <div class="Definition-item display-flex"> <dt class="text-black">Lender</dt> <dd class="text-slate">Discover</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">APR starting at</dt> <dd class="text-slate">7.00% 1st lien | 8.00% 2nd lien</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Loan Amount</dt> <dd class="text-slate">$35,000 to $300,000</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max LTV Ratio</dt> <dd class="text-slate">90%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max Debt-to-income ratio</dt> <dd class="text-slate">43%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Min. Credit Score</dt> <dd class="text-slate">680</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Term Lengths</dt> <dd class="text-slate">10, 15, 20 and 30 years</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Fees</dt> <dd class="text-slate">No origination, application, appraisal, processing or closing costs</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Available Nationwide</dt> <dd class="text-slate">All states except Iowa and Maryland</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Average days to close</dt> <dd class="text-slate">N/A</dd> </div> </dl> </div> </div> <div class="BankDetail-productStats"> </div> <div class="BankDetail-accordions"> <ul class="Accordion w-full" data-cy="accordion-7ec086cb-eb72-4332-becb-e9d721c2c6c1"> <li x-id="['panel-discover-pros', 'heading-discover-pros']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-discover-pros')" :aria-controls="$id('panel-discover-pros')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" perks " data-position="1" data-text=" Perks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Perks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-discover-pros')" :labelledBy="$id('heading-discover-pros')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Discover’s home equity loans allow you to borrow up to $300,000 against your home equity. </li> <li>You can choose a loan term of 10, 15, 20 or 30 years. </li> <li>There are no origination fees, application fees, processing fees, home valuation fees or cash required at closing.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-discover-pros')" :labelledBy="$id('heading-discover-pros')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Discover’s home equity loans allow you to borrow up to $300,000 against your home equity. </li> <li>You can choose a loan term of 10, 15, 20 or 30 years. </li> <li>There are no origination fees, application fees, processing fees, home valuation fees or cash required at closing.</li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-what-to-watch-out-for', 'heading-what-to-watch-out-for']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-to-watch-out-for')" :aria-controls="$id('panel-what-to-watch-out-for')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what to watch out for: " data-position="2" data-text=" What to watch out for: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Eye Show Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M.08 12.376C2.578 18.205 7.033 21.68 12 21.68c4.956-.012 9.423-3.487 11.92-9.304a.918.918 0 0 0 0-.752C21.422 5.795 16.967 2.32 12 2.32S2.577 5.795.08 11.624a.918.918 0 0 0 0 .752ZM12 19.757c-4.085 0-7.799-2.89-10.008-7.763C4.213 7.121 7.927 4.231 12 4.231c4.085 0 7.799 2.89 10.009 7.763-2.222 4.873-5.936 7.763-10.009 7.763Zm-4.73-7.763a4.74 4.74 0 0 0 4.73 4.73 4.74 4.74 0 0 0 4.73-4.73A4.74 4.74 0 0 0 12 7.264a4.74 4.74 0 0 0-4.73 4.73Zm1.911 0A2.824 2.824 0 0 1 12 9.175a2.824 2.824 0 0 1 2.819 2.819 2.824 2.824 0 0 1-2.82 2.819 2.824 2.824 0 0 1-2.818-2.819Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What to watch out for:</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Discover only offers fixed-rate home equity loans. </li> <li>Borrowers need a credit score of 680 or more to qualify for a home equity loan.</li> <li>If you repay the loan within the first three years, Discover may require an expense reimbursement maximum of $500. </li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Discover only offers fixed-rate home equity loans. </li> <li>Borrowers need a credit score of 680 or more to qualify for a home equity loan.</li> <li>If you repay the loan within the first three years, Discover may require an expense reimbursement maximum of $500. </li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="BankDetail mb-8 BankDetail--noSubtitle"> <h3 class="BankDetail-title type-heading-four mb-5"> <div class="wysiwyg display-block w-full has-links"> <div id="rockland"><a class="Link" href="https://www.bankrate.com/home-equity/reviews/rockland-trust-bank/">Rockland Trust Bank</a></div></div> </h3> <div class="BankDetail-logoRating mb-4"> <div class="mb-0"> <img src="https://www.bankrate.com/f/102997/800x450/df78e4a0b1/rockland-trust-heloc-loan-review.jpg?auto=webp&fit=&width=200&format=pjpg" alt="Rockland Trust Bank logo" width="200"> </div> <div class="mt-1"> <div class="display-flex align-items-center justify-content-space-between"> <div class="display-flex flex-direction-column text-center align-items-center"> <div class="star-rating star-rating--number-size-sm" style="font-size: 16px"> <span class="visually-hidden">Rating: 3.6 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 57%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </div> </div> <span class="leading-tight rating-number">3.6</span> </div> </div> <div class="mb-0 display-flex align-items-center"> <span class="flex-1 type-body-three text-slate mr-1" style="white-space: nowrap;"> Bankrate Score </span> <div class="flex-1 leading-none"> <div class="Tooltip" data-tooltip="container" data-tooltip-type="hover"> <div data-tooltip="trigger" class="Tooltip-trigger"> <div> <svg width="13" height="12" viewBox="0 0 13 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M6.5 12C9.81371 12 12.5 9.31371 12.5 6C12.5 2.68629 9.81371 0 6.5 0C3.18629 0 0.5 2.68629 0.5 6C0.5 9.31371 3.18629 12 6.5 12ZM6.5 11.25C3.60051 11.25 1.25 8.8995 1.25 6C1.25 3.10051 3.60051 0.75 6.5 0.75C9.3995 0.75 11.75 3.10051 11.75 6C11.75 8.8995 9.3995 11.25 6.5 11.25ZM5.75 3.75915C5.75 3.33841 6.08841 3 6.5 3C6.92073 3 7.25 3.33841 7.25 3.75915C7.25 4.16159 6.92073 4.5 6.5 4.5C6.08841 4.5 5.75 4.16159 5.75 3.75915ZM5.75 9V5.25H7.25V9H5.75Z" fill="#0157FF"></path> </svg> </div> <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter Tooltip-content-narrow display-none"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div> <p class="type-body-one font-black mb-2"> Bankrate Rating = 3.6/5 </p> <p class="text-slate type-body-two leading-normal"> The Bankrate Score is based on availability, affordability, and customer experience.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="BankDetail-overview"> <h4 class="type-body-one font-circular-bold mb-4"> Overview </h4> <div class="DefinitionList mb-8 DefinitionList--table"> <dl> <div class="Definition-item display-flex"> <dt class="text-black">Lender</dt> <dd class="text-slate">Rockland Trust Bank</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">APR starting at</dt> <dd class="text-slate">8.12%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Loan Amount</dt> <dd class="text-slate">$25,000-$400,000</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max LTV Ratio</dt> <dd class="text-slate">75%</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Max Debt-to-income ratio</dt> <dd class="text-slate">N/A</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Min. Credit Score</dt> <dd class="text-slate">N/A</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Term Lengths</dt> <dd class="text-slate">Five to 20 years</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Fees</dt> <dd class="text-slate">No annual fees or closing costs</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Available Nationwide?</dt> <dd class="text-slate">Massachusetts only</dd> </div> <div class="Definition-item display-flex"> <dt class="text-black">Average days to close</dt> <dd class="text-slate">N/A</dd> </div> </dl> </div> </div> <div class="BankDetail-productStats"> </div> <div class="BankDetail-accordions"> <ul class="Accordion w-full" data-cy="accordion-f97f0c6d-6d7b-4715-8ef1-761878c8f8ab"> <li x-id="['panel-springeq-pros', 'heading-springeq-pros']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-springeq-pros')" :aria-controls="$id('panel-springeq-pros')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" perks " data-position="1" data-text=" Perks " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Perks</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-springeq-pros')" :labelledBy="$id('heading-springeq-pros')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Rockland Trust Bank offers a fixed-rate home equity loan of up to $400,000, with a variable term length of five to 20 years. </li> <li>The company’s home equity loans have no closing costs or annual fees. </li> <li>Typically, you will need a loan-to-value ratio of 75% or less to qualify, vs. 80% with other lenders.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-springeq-pros')" :labelledBy="$id('heading-springeq-pros')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Rockland Trust Bank offers a fixed-rate home equity loan of up to $400,000, with a variable term length of five to 20 years. </li> <li>The company’s home equity loans have no closing costs or annual fees. </li> <li>Typically, you will need a loan-to-value ratio of 75% or less to qualify, vs. 80% with other lenders.</li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-what-to-watch-out-for', 'heading-what-to-watch-out-for']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-to-watch-out-for')" :aria-controls="$id('panel-what-to-watch-out-for')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what to watch out for: " data-position="2" data-text=" What to watch out for: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Eye Show Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M.08 12.376C2.578 18.205 7.033 21.68 12 21.68c4.956-.012 9.423-3.487 11.92-9.304a.918.918 0 0 0 0-.752C21.422 5.795 16.967 2.32 12 2.32S2.577 5.795.08 11.624a.918.918 0 0 0 0 .752ZM12 19.757c-4.085 0-7.799-2.89-10.008-7.763C4.213 7.121 7.927 4.231 12 4.231c4.085 0 7.799 2.89 10.009 7.763-2.222 4.873-5.936 7.763-10.009 7.763Zm-4.73-7.763a4.74 4.74 0 0 0 4.73 4.73 4.74 4.74 0 0 0 4.73-4.73A4.74 4.74 0 0 0 12 7.264a4.74 4.74 0 0 0-4.73 4.73Zm1.911 0A2.824 2.824 0 0 1 12 9.175a2.824 2.824 0 0 1 2.819 2.819 2.824 2.824 0 0 1-2.82 2.819 2.824 2.824 0 0 1-2.818-2.819Z" class="icon-base"/></svg> <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What to watch out for:</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Rockland Trust Bank mainly serves Massachusetts, so availability is limited. </li> <li>You have to borrow a minimum of $25,000, higher than other home equity lenders.</li> <li>Advertised rates for Express Mortgage, the company’s first lien, fixed-rate home equity loan, are for amounts up to $500,000 and require an automatic repayment from a Rockland Trust checking account.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-to-watch-out-for')" :labelledBy="$id('heading-what-to-watch-out-for')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li>Rockland Trust Bank mainly serves Massachusetts, so availability is limited. </li> <li>You have to borrow a minimum of $25,000, higher than other home equity lenders.</li> <li>Advertised rates for Express Mortgage, the company’s first lien, fixed-rate home equity loan, are for amounts up to $500,000 and require an automatic repayment from a Rockland Trust checking account.</li> </ul></div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="wysiwyg display-block w-full has-links"> <h3>Methodology</h3> <p>To determine the best home equity loan rates, we surveyed over 30 home equity lenders. The top home equity loan rates listed account for the lowest advertised APR (annual percentage rate), based on a borrower with a credit score of 700 or higher and a combined loan-to-value (CLTV) ratio of 80 percent obtaining a 30-year home equity loan for $30,000. </p> <p>Note that these lenders listed here are based solely on their offering the lowest APR, and are not necessarily the best overall home equity lenders Bankrate has scored. Learn more about Bankrate’s <a class="Link" href="https://www.bankrate.com/home-equity/lender-review-methodology/">lender review methodology</a>.</p></div> </div> <div id="video" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>What is a home equity loan and how does it work?</h2> <p>A <a class="Link" href="https://www.bankrate.com/home-equity/what-is-home-equity-loan/">home equity loan</a> is a lump sum that you borrow against the equity you’ve built in your home. Like other installment loans, you receive all of the money upfront and then make equal monthly payments of principal and interest for the life of the loan (similar to a mortgage). Most lenders will let you borrow up to 80 percent to 85 percent of your home’s equity; that is, the value of your home minus the amount you still owe on the mortgage.</p> <p>These loans have fixed interest rates and typical repayment periods between five and 30 years. Because your home serves as the collateral for a home equity loan, a lender can foreclose on it if you fail to make the payments.</p> <p>Home equity loans are available at many banks, credit unions and online lenders. You can use these funds for a range of purposes, including <a class="Link" href="https://www.bankrate.com/personal-finance/debt/debt-consolidation-calculator/" target="_blank" rel="noopener">debt consolidation</a>, home improvement projects or higher education costs. The amount you can borrow depends on how much equity you have, your financial situation and other factors.</p> <p>After reviewing your application and checking your credit, the lender will tell you how much you can borrow, your interest rate, your monthly payment, your loan term and any <a class="Link" href="https://www.bankrate.com/loans/personal-loans/personal-loan-origination-fees/" target="_blank" rel="noopener">fees</a> involved. Once you agree to the loan terms, the financial institution will disburse funds as one lump sum. You then repay the loan over time in fixed monthly payments.</p> <div><iframe style="width: 100%;" title="YouTube video player" src="https://www.youtube.com/embed/CeTwm7SJAZY" width="816" height="459" frameborder="0" allowfullscreen="allowfullscreen" loading="lazy"></iframe> <h3>Calculating your home's equity</h3> <p>Home equity is the stake you have in your property – the percentage of the home you own outright. Over time, you build up equity in your home as you make payments on your mortgage or your home’s value rises. To calculate your home equity (and how much you may be able to borrow), subtract your current mortgage balance from the appraised value of your home.</p> <p>For (a simplified) example, say you owe $200,000 on a home worth $400,000. This means that you have 50 percent equity in your home. If your lender lets you take out up to 85 percent of your home’s value ($340,000), you could borrow $140,000 through a home equity loan. A <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-calculator/">home equity loan calculator</a> (like Bankrate’s) can estimate how much you can borrow.</p> </div></div> <div class="SupplementaryLink"> Read more: <a class=" " href="https://www.bankrate.com/home-equity/how-to-calculate-equity-in-your-home/" target=""data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/home-equity/home-equity-loan-rates/" data-name="Learn more link" data-position="middle" data-text="How to calculate home equity" data-outcome="send to page" > How to calculate home equity</a> </div> </div> <div id="pros-and-cons" class="SectionWithTocItem " > <div class="review-pro-cons mb-10"> <div class="wysiwyg display-inline has-links"> <h2>Pros and cons of home equity loans</h2> <p>Because the proceeds from a home equity loan come in one lump sum, home equity loans are best suited for homeowners who have a set budget. They’re a good option for those who want to <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-for-improvement-renovation/">use the funds for home renovations</a> – the interest can be tax deductible if the money is used for certain repairs, expansions or improvements. Conversely, if you use home equity loan funds for any reason aside from substantial home improvements, such as paying off student debt or consolidating credit card bills, the mortgage interest is not deductible.</p> <p>Another benefit of home equity loans is that they have competitive interest rates, which are usually much lower than those of <a class="Link" href="https://www.bankrate.com/loans/personal-loans/rates/">personal loans</a> and <a class="Link" href="https://www.bankrate.com/mortgages/cash-out-refinancing/">cash-out refinances</a>. Compare lenders’ rates for the best deal available.</p> <p>However, if you need money quickly, a home equity loan may not be the way to go. It can take longer to receive the funds from a home equity loan than a personal loan. Additionally, you may be subject to expensive closing costs and a more drawn-out application process.</p></div> <div class="wrapper display-flex justify-content-center"> <div class="md:w-10/12"> <div class="display-grid gap-6 grid-cols-1 sm:grid-cols-2 sm:trsy-grid-cols-[--cols]" style="--cols: repeat(2, minmax(0, 1fr))"> <div class="card-item-shadow p-6"> <h3 class="type-eyebrow-two mb-4"> PROS </h3> <ul class="ul-no-style mb-0"> <li> <div class="display-flex"> <span class="Icon Icon--sm text-green flex-shrink-0 ml-1 mr-4 mt-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="text-slate mb-3">Lower interest rates than those of unsecured debt such as credit cards or personal loans.</p> <div> </li> <li> <div class="display-flex"> <span class="Icon Icon--sm text-green flex-shrink-0 ml-1 mr-4 mt-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="text-slate mb-3">High borrowing limits.</p> <div> </li> <li> <div class="display-flex"> <span class="Icon Icon--sm text-green flex-shrink-0 ml-1 mr-4 mt-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="text-slate mb-3">Fixed monthly payments.</p> <div> </li> <li> <div class="display-flex"> <span class="Icon Icon--sm text-green flex-shrink-0 ml-1 mr-4 mt-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="text-slate mb-3">Interest may be tax deductible.</p> <div> </li> </ul> </div> <div class="card-item-shadow p-6"> <h3 class="type-eyebrow-two mb-4"> CONS </h3> <ul class="ul-no-style mb-0"> <li> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 ml-1 mr-4 mt-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg></span> <p class="text-slate mb-3">Potentially expensive closing costs.</p> </div> </li> <li> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 ml-1 mr-4 mt-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg></span> <p class="text-slate mb-3">Risk of losing your home if you are unable to make the payment or end up underwater on your mortgage if the home value drops.</p> </div> </li> <li> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 ml-1 mr-4 mt-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg></span> <p class="text-slate mb-3">Longer application/funding timeline than that of personal loans.</p> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="wysiwyg display-block w-full has-links"> <h2>Best uses for a home equity loan</h2> <p>A home equity loan may be a good option if you've been planning a large home renovation or if you need to consolidate debt and you spot a good rate. If you’ve been considering a home equity loan, now might be a good time to lock in your rate before they rise further.</p> <p>Because mortgage rates have risen sharply since early 2022, home equity loans have grown more attractive as an alternative to a cash-out refinance.</p></div> <ul class="Accordion w-full" data-cy="accordion-5f72eb29-891f-4b00-90e0-04bd35f711c4"> <li x-id="['panel-span-classtext-some-of-the-best-uses-to-make-the-most-of-your-loan-includespan', 'heading-span-classtext-some-of-the-best-uses-to-make-the-most-of-your-loan-includespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-some-of-the-best-uses-to-make-the-most-of-your-loan-includespan')" :aria-controls="$id('panel-span-classtext-some-of-the-best-uses-to-make-the-most-of-your-loan-includespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" some of the best uses to make the most of your loan include: " data-position="1" data-text=" Some of the best uses to make the most of your loan include: " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" 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 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 .656.295.656.656v2.28l3.399 2.695a.653.653 0 1 1-.813 1.025l-.583-.462v9.86a2.294 2.294 0 0 1-2.298 2.299H5.417a2.294 2.294 0 0 1-2.298-2.299v-9.84l-.558.442a.653.653 0 0 1-.92-.106.653.653 0 0 1 .107-.92L3.292 8.03a.664.664 0 0 1 .163-.13l6.526-5.172h-.008Zm3.234 1.026 6.336 5.022v10.901a.988.988 0 0 1-.985.985H5.417a.988.988 0 0 1-.985-.985V8.796l6.361-5.043a1.948 1.948 0 0 1 2.414 0Zm-1.872 13.01H9.94a.659.659 0 0 1-.657-.657c0-.36.296-.656.657-.656h2.668c.426 0 .78-.353.78-.78a.785.785 0 0 0-.78-.78h-1.642a2.091 2.091 0 0 1-2.093-2.093c0-1.157.936-2.093 2.093-2.093h.37V8.72c0-.361.295-.657.656-.657.361 0 .656.296.656.657v.985h.986c.36 0 .656.296.656.657a.659.659 0 0 1-.656.656h-2.668a.785.785 0 0 0-.78.78c0 .427.353.78.78.78h1.642c1.157 0 2.093.936 2.093 2.093 0 1.144-.914 2.07-2.053 2.092v.986a.659.659 0 0 1-.656.656.659.659 0 0 1-.657-.656v-.985Z" class="icon-base"/></svg> <p class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Some of the best uses to make the most of your loan include:</span> </p> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-some-of-the-best-uses-to-make-the-most-of-your-loan-includespan')" :labelledBy="$id('heading-span-classtext-some-of-the-best-uses-to-make-the-most-of-your-loan-includespan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li><strong>Home improvements:</strong> Because they can often add value over time, upgrades, updates and other renovations to your home are important. You may also qualify for tax deductions on the interest on the loan, if it’s used for improvements or repairs.</li> <li><strong>Education:</strong> Home equity loans generally have a lower interest rate than private student loans.</li> <li><strong><a class="Link" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/">Debt consolidation</a>:</strong> Using home equity to help with debt consolidation may give you better interest rates so you can get your finances on track.</li> <li><strong>Emergency expenses:</strong> If you don't have the funds for an immediate need, home equity loans can give you money with much more favorable interest rates than something like a payday loan.</li> </ul></div> <div class="SupplementaryLink"> Check Out: <a class=" " href="https://www.bankrate.com/home-equity/reasons-to-use-home-equity/" target="_blank"data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/home-equity/home-equity-loan-rates/" data-name="Learn more link" data-position="middle" data-text="10 reasons to use home equity" data-outcome="send to page" > 10 reasons to use home equity</a> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-some-of-the-best-uses-to-make-the-most-of-your-loan-includespan')" :labelledBy="$id('heading-span-classtext-some-of-the-best-uses-to-make-the-most-of-your-loan-includespan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <ul> <li><strong>Home improvements:</strong> Because they can often add value over time, upgrades, updates and other renovations to your home are important. You may also qualify for tax deductions on the interest on the loan, if it’s used for improvements or repairs.</li> <li><strong>Education:</strong> Home equity loans generally have a lower interest rate than private student loans.</li> <li><strong><a class="Link" href="https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/">Debt consolidation</a>:</strong> Using home equity to help with debt consolidation may give you better interest rates so you can get your finances on track.</li> <li><strong>Emergency expenses:</strong> If you don't have the funds for an immediate need, home equity loans can give you money with much more favorable interest rates than something like a payday loan.</li> </ul></div> <div class="SupplementaryLink"> Check Out: <a class=" " href="https://www.bankrate.com/home-equity/reasons-to-use-home-equity/" target="_blank"data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/home-equity/home-equity-loan-rates/" data-name="Learn more link" data-position="middle" data-text="10 reasons to use home equity" data-outcome="send to page" > 10 reasons to use home equity</a> </div> </div> </div> </noscript> </li> </ul> </div> <div id="alternatives" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>Alternatives to a home equity loan</h2> <p>A home equity loan is not the right choice for every borrower. Depending on what you need the money for, one of these options may be a better fit:</p> <h3>Home equity line of credit (HELOC)</h3> <p><a class="Link" href="https://www.bankrate.com/home-equity/home-equity-loan-vs-line-of-credit/">Home equity loans and home equity lines of credit (HELOCs)</a> are both loans backed by the equity in your home. However, while a home equity loan has a fixed interest rate and disburses funds in a lump sum — just like a traditional mortgage — a HELOC allows you to make periodic draws up to a certain amount, like a credit card. You pay interest on the withdrawals at a variable rate. You can withdraw funds, repay them and then borrow again, for a number of years. After that, you can no longer tap the credit line, but must repay it all, over a period of time.</p> <p>Generally speaking, if you're planning on doing multiple <a class="Link" href="https://www.bankrate.com/loans/home-improvement/how-to-pay-for-home-improvements/">home improvement projects</a> over an extended period of time, a HELOC may be the better option for you. If you're thinking about <a class="Link" href="https://www.bankrate.com/home-equity/should-i-use-heloc-to-pay-credit-card-debt/">consolidating high-interest credit card debt</a> or doing a short-term remodel that would require all of the funds upfront, a home equity loan may be the best option.</p> <h3>Reverse mortgage</h3> <p>With a <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-loan-heloc-vs-reverse-mortgage/">reverse mortgage</a>, you receive an advance on your home equity that you don't have to repay until you leave the home. However, these often come with many fees, and variable interest accrues continuously on the money you receive. These are also only available to older homeowners (62 and up for a Home Equity Conversion Mortgage, the most popular reverse mortgage product, or 55 and up for some proprietary reverse mortgages).</p></div> <ul class="Accordion w-full" data-cy="accordion-6bbac266-6bec-4c3d-a547-dcaad0c52d80"> <li x-id="['panel-cash-out-refi-accordion', 'heading-cash-out-refi-accordion']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-cash-out-refi-accordion')" :aria-controls="$id('panel-cash-out-refi-accordion')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" reverse mortgage " data-position="1" data-text=" Reverse mortgage " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Rates Up 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 fill-rule="evenodd" clip-rule="evenodd" d="M21.838 10.428a.665.665 0 0 1-.402-.14l-.582-.458v9.836a2.273 2.273 0 0 1-2.297 2.296H5.43a2.273 2.273 0 0 1-2.297-2.296V9.833l-.574.456a.652.652 0 0 1-.919-.107.652.652 0 0 1 .107-.919l8.204-6.505c1.164-.96 2.87-.96 4.052 0l3.511 2.767V4.3c0-.36.296-.656.656-.656.361 0 .657.295.657.656v2.26l3.42 2.695c.288.222.337.64.107.919a.652.652 0 0 1-.517.246v.008Zm-8.663-6.645 6.366 5.013v10.87c0 .574-.41.984-.984.984H5.43c-.574 0-.984-.41-.984-.984V8.792l6.325-5.017a1.882 1.882 0 0 1 2.403.008ZM7.072 17.426a.651.651 0 0 1-.46-1.124L9.73 13.29a.656.656 0 0 1 .886-.025l2.059 1.789 2.635-2.6h-.797a.658.658 0 0 1-.657-.657c0-.36.296-.656.657-.656h2.403c.361 0 .657.296.657.656v2.404a.658.658 0 0 1-.657.656.658.658 0 0 1-.656-.656v-.844l-3.093 3.05a.658.658 0 0 1-.894.025l-2.06-1.788-2.682 2.592a.666.666 0 0 1-.46.18v.008Z" class="icon-base"/></svg> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Reverse mortgage</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-cash-out-refi-accordion')" :labelledBy="$id('heading-cash-out-refi-accordion')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>With a reverse mortgage, you receive an advance on your home equity that you don't have to repay until you leave the home. However, these often come with many fees, and variable interest accrues continuously on the money you receive. These are also only available to older homeowners (62 or older for Home Equity Conversion Mortgage, the most popular reverse mortgage product, or 55 and older for some proprietary reverse mortgages).</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-cash-out-refi-accordion')" :labelledBy="$id('heading-cash-out-refi-accordion')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>With a reverse mortgage, you receive an advance on your home equity that you don't have to repay until you leave the home. However, these often come with many fees, and variable interest accrues continuously on the money you receive. These are also only available to older homeowners (62 or older for Home Equity Conversion Mortgage, the most popular reverse mortgage product, or 55 and older for some proprietary reverse mortgages).</p></div> </div> </div> </noscript> </li> <li x-id="['panel-personal-loans-accordion', 'heading-personal-loans-accordion']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-personal-loans-accordion')" :aria-controls="$id('panel-personal-loans-accordion')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" personal loans " data-position="2" data-text=" Personal loans " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <svg width="32" height="32" class="mr-4 sm:mr-8" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Loan Icon</title><ellipse cx="17.7" cy="9.166" rx="6.3" ry="6.166" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M20.638 12.336a.649.649 0 0 0 .343.094l-.009-.017c.24 0 .472-.12.601-.344a7.055 7.055 0 0 0 .927-3.503c0-3.899-3.158-7.066-7.046-7.066-3.887 0-7.046 3.167-7.046 7.066 0 .714.103 1.42.31 2.083a.689.689 0 0 0 .858.456.685.685 0 0 0 .454-.86 5.697 5.697 0 0 1-.249-1.67c0-3.133 2.55-5.69 5.673-5.69 3.124 0 5.673 2.548 5.673 5.69 0 .99-.258 1.97-.747 2.823a.692.692 0 0 0 .258.938Zm-5.184-.198a.69.69 0 0 1-.686-.688v-.155h-.61a.69.69 0 0 1 0-1.377h1.187a.683.683 0 0 1 .219 0h.465c.18 0 .318-.146.318-.318a.323.323 0 0 0-.318-.319h-1.15a1.69 1.69 0 0 1-1.69-1.695c0-.9.703-1.634 1.579-1.692v-.176a.69.69 0 0 1 .686-.689.69.69 0 0 1 .687.689v.172h.61a.69.69 0 0 1 0 1.377h-1.872a.317.317 0 0 0-.317.319c0 .172.146.318.317.318h1.15c.936 0 1.691.766 1.691 1.696 0 .891-.703 1.633-1.58 1.691v.159a.69.69 0 0 1-.686.688Zm.615 3.693c.047-.195.072-.4.072-.61 0-1.223-.815-2.256-2.034-2.557-1.184-.301-2.592-.594-4.068-.56-1.948.049-3.41.968-4.796 1.91-.34-.704-1.028-1.145-1.898-1.145H2.187a.69.69 0 0 0 0 1.377h1.158c.661 0 .755.525.755.835v5.207c0 .31-.094.835-.755.835H2.187a.69.69 0 0 0 0 1.377h1.158c.845 0 1.518-.415 1.867-1.083.982.006 1.798.042 2.699.223l.103.017.171.033c1.587.307 3.12.604 4.678.604l-.026-.009c1.236 0 2.489-.18 3.793-.688 2.085-.818 3.466-2.211 4.925-3.682l.001-.002.206-.206a2.47 2.47 0 0 0 .73-1.765c0-.67-.267-1.3-.73-1.764-.858-.878-2.257-.972-3.244-.232-.208.16-.416.327-.627.498-.085.07-.17.138-.257.207-.509.42-1.028.846-1.565 1.18ZM5.722 15.35l-.249.172v4.521c.937.012 1.784.06 2.704.247l.094.017.028.005c2.803.549 5.233 1.024 7.85.012 1.811-.714 3.038-1.945 4.446-3.374l.206-.206a1.1 1.1 0 0 0 .326-.792c0-.301-.12-.577-.326-.792a1.098 1.098 0 0 0-1.45-.103c-.275.207-.558.439-.841.671l-.031.025c-1.186.967-2.524 2.058-4.21 2.101-.3 0-.608 0-.909-.017l-.022-.001c-.481-.017-.929-.033-1.36.027a.694.694 0 0 1-.78-.586.695.695 0 0 1 .08-.432.689.689 0 0 1 .623-.402h.47c.266-.01.53-.007.786 0h.298c.764 0 1.313-.516 1.313-1.222 0-.585-.395-1.067-.996-1.222-1.15-.293-2.394-.55-3.699-.516-1.682.043-2.917.886-4.35 1.867Z" class="icon-base"/></svg> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Personal loans</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-personal-loans-accordion')" :labelledBy="$id('heading-personal-loans-accordion')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><a class="Link" href="https://www.bankrate.com/loans/personal-loans/personal-loans-vs-home-equity-loans/">Personal loans</a> may have higher interest rates than home equity loans, but they don't use your home as collateral. Like home equity loans, they have <a class="Link" href="https://www.bankrate.com/mortgages/what-is-a-fixed-rate-mortgage/">fixed interest rates</a> and disburse money in a lump sum.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-personal-loans-accordion')" :labelledBy="$id('heading-personal-loans-accordion')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p><a class="Link" href="https://www.bankrate.com/loans/personal-loans/personal-loans-vs-home-equity-loans/">Personal loans</a> may have higher interest rates than home equity loans, but they don't use your home as collateral. Like home equity loans, they have <a class="Link" href="https://www.bankrate.com/mortgages/what-is-a-fixed-rate-mortgage/">fixed interest rates</a> and disburse money in a lump sum.</p></div> </div> </div> </noscript> </li> </ul> <ul class="Accordion w-full" data-cy="accordion-56ca6331-4546-4dff-a2ce-dae9d9bc8f84"> </ul> </div> <div id="faqs" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full has-links"> <h2>FAQs about home equity loans</h2></div> <ul class="Accordion w-full" data-cy="accordion-1fe25ed6-e14a-4e18-a730-1fbde3c340e0"> <li x-id="['panel-what-are-the-costs-of-a-home-equity-loan', 'heading-what-are-the-costs-of-a-home-equity-loan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-are-the-costs-of-a-home-equity-loan')" :aria-controls="$id('panel-what-are-the-costs-of-a-home-equity-loan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what are the costs of a home equity loan? " data-position="1" data-text=" What are the costs of a home equity loan? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What are the costs of a home equity loan?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-are-the-costs-of-a-home-equity-loan')" :labelledBy="$id('heading-what-are-the-costs-of-a-home-equity-loan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Depending on the lender, borrowers may pay various fees either at closing or throughout the life of the loan. These add to your overall costs, so understand what you’ll pay before signing for a home equity loan. Some common costs include:</p> <ul> <li>Origination fee to set up the loan</li> <li>Closing costs</li> <li>Late fees for a delayed monthly payment</li> <li>Prepayment penalty for paying the loan off before the term ends</li> </ul> <p>Additionally, depending on the lender, the home's location, your state laws, or other factors, you may have to pay for title insurance, property insurance, flood insurance, or certain taxes.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-are-the-costs-of-a-home-equity-loan')" :labelledBy="$id('heading-what-are-the-costs-of-a-home-equity-loan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Depending on the lender, borrowers may pay various fees either at closing or throughout the life of the loan. These add to your overall costs, so understand what you’ll pay before signing for a home equity loan. Some common costs include:</p> <ul> <li>Origination fee to set up the loan</li> <li>Closing costs</li> <li>Late fees for a delayed monthly payment</li> <li>Prepayment penalty for paying the loan off before the term ends</li> </ul> <p>Additionally, depending on the lender, the home's location, your state laws, or other factors, you may have to pay for title insurance, property insurance, flood insurance, or certain taxes.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-can-you-get-a-home-equity-loan-with-bad-credit', 'heading-can-you-get-a-home-equity-loan-with-bad-credit']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-can-you-get-a-home-equity-loan-with-bad-credit')" :aria-controls="$id('panel-can-you-get-a-home-equity-loan-with-bad-credit')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" can you get a home equity loan with bad credit? " data-position="2" data-text=" Can you get a home equity loan with bad credit? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Can you get a home equity loan with bad credit?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-can-you-get-a-home-equity-loan-with-bad-credit')" :labelledBy="$id('heading-can-you-get-a-home-equity-loan-with-bad-credit')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>If you're looking for a <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-loan-bad-credit/">home equity loan with bad credit</a>, you may have a harder time getting approved, but it is still possible. The first step is to shop around: Since each lender has its own requirements, it's possible one lender will be more accepting of a poorer credit score and offer better rates than a similar lender. And there are in fact reputable financial institutions that cater to the credit-challenged.</p> <p>Generally, you'll have to meet the following criteria to qualify for a home equity loan:</p> <ul> <li>At least 15 percent to 20 percent equity in your home</li> <li>A minimum credit score of 620</li> <li>A maximum <a class="Link" href="https://www.bankrate.com/personal-finance/debt/how-to-calculate-debt-to-income-ratio/">debt-to-income ratio of 43 percent</a></li> <li>On-time bill payment history</li> <li>Stable employment or income history</li> </ul> <p>If you don't meet the requirements, you may want to consider getting a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/cosigner-vs-co-borrower-difference/">co-signer</a> to increase your chances of approval.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-can-you-get-a-home-equity-loan-with-bad-credit')" :labelledBy="$id('heading-can-you-get-a-home-equity-loan-with-bad-credit')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>If you're looking for a <a class="Link" href="https://www.bankrate.com/home-equity/home-equity-loan-bad-credit/">home equity loan with bad credit</a>, you may have a harder time getting approved, but it is still possible. The first step is to shop around: Since each lender has its own requirements, it's possible one lender will be more accepting of a poorer credit score and offer better rates than a similar lender. And there are in fact reputable financial institutions that cater to the credit-challenged.</p> <p>Generally, you'll have to meet the following criteria to qualify for a home equity loan:</p> <ul> <li>At least 15 percent to 20 percent equity in your home</li> <li>A minimum credit score of 620</li> <li>A maximum <a class="Link" href="https://www.bankrate.com/personal-finance/debt/how-to-calculate-debt-to-income-ratio/">debt-to-income ratio of 43 percent</a></li> <li>On-time bill payment history</li> <li>Stable employment or income history</li> </ul> <p>If you don't meet the requirements, you may want to consider getting a <a class="Link" href="https://www.bankrate.com/loans/personal-loans/cosigner-vs-co-borrower-difference/">co-signer</a> to increase your chances of approval.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-what-is-the-three-day-cancellation-rule', 'heading-what-is-the-three-day-cancellation-rule']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-is-the-three-day-cancellation-rule')" :aria-controls="$id('panel-what-is-the-three-day-cancellation-rule')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what is the three-day cancellation rule? " data-position="3" data-text=" What is the three-day cancellation rule? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What is the three-day cancellation rule?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-is-the-three-day-cancellation-rule')" :labelledBy="$id('heading-what-is-the-three-day-cancellation-rule')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Unlike other loans, such as personal loans, home equity loans must go through a closing period. During this period, all home equity loans are legally subject to a <a class="Link" href="https://www.bankrate.com/mortgages/right-of-rescission/">three-day cancellation rule</a>, which states that you have the right to cancel your home equity loan until midnight of the third business day after you sign your contract. Changes to the contract, as well as funds disbursement, cannot occur during this time.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-is-the-three-day-cancellation-rule')" :labelledBy="$id('heading-what-is-the-three-day-cancellation-rule')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Unlike other loans, such as personal loans, home equity loans must go through a closing period. During this period, all home equity loans are legally subject to a <a class="Link" href="https://www.bankrate.com/mortgages/right-of-rescission/">three-day cancellation rule</a>, which states that you have the right to cancel your home equity loan until midnight of the third business day after you sign your contract. Changes to the contract, as well as funds disbursement, cannot occur during this time.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-how-fast-can-i-get-a-home-equity-loan', 'heading-how-fast-can-i-get-a-home-equity-loan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-fast-can-i-get-a-home-equity-loan')" :aria-controls="$id('panel-how-fast-can-i-get-a-home-equity-loan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" how fast can i get a home equity loan? " data-position="4" data-text=" How fast can I get a home equity loan? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How fast can I get a home equity loan?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-fast-can-i-get-a-home-equity-loan')" :labelledBy="$id('heading-how-fast-can-i-get-a-home-equity-loan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Because home equity loans typically require appraisals, it can take longer to get a home equity loan than a personal loan. From application to funds disbursement, the process typically takes two to four weeks — although some new online lenders are trying to shorten that process.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-fast-can-i-get-a-home-equity-loan')" :labelledBy="$id('heading-how-fast-can-i-get-a-home-equity-loan')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>Because home equity loans typically require appraisals, it can take longer to get a home equity loan than a personal loan. From application to funds disbursement, the process typically takes two to four weeks — although some new online lenders are trying to shorten that process.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-how-much-equity-can-i-borrow-from-my-home', 'heading-how-much-equity-can-i-borrow-from-my-home']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item"> <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-much-equity-can-i-borrow-from-my-home')" :aria-controls="$id('panel-how-much-equity-can-i-borrow-from-my-home')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" how much equity can i borrow from my home? " data-position="5" data-text=" How much equity can I borrow from my home? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }"> <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How much equity can I borrow from my home?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-much-equity-can-i-borrow-from-my-home')" :labelledBy="$id('heading-how-much-equity-can-i-borrow-from-my-home')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>The exact amount you can borrow varies depending on the lender, but you can generally borrow up to 80 or 85 percent of your home’s appraised value.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-much-equity-can-i-borrow-from-my-home')" :labelledBy="$id('heading-how-much-equity-can-i-borrow-from-my-home')" role="region"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full has-links"> <p>The exact amount you can borrow varies depending on the lender, but you can generally borrow up to 80 or 85 percent of your home’s appraised value.</p></div> </div> </div> </noscript> </li> </ul> <div class="wysiwyg display-inline has-links"> <h2>Home equity lenders reviewed by Bankrate</h2></div> <div class="wrapper"> <div class="display-grid gap-4 grid-cols-1 trsy-grid-cols-[repeat(var(--cols),_minmax(0,1fr))] sm:grid-cols-3 sm:trsy-grid-cols-[repeat(var(--cols-sm),_minmax(0,1fr))] md:grid-cols-3 md:trsy-grid-cols-[repeat(var(--cols-md),_minmax(0,1fr))] " style="--cols: 1; --cols-sm: 3; --cols-md: 3;"> <div class="col-span-1 sm:col-span-1 md:col-span-1 "> <div class="wysiwyg display-inline has-links"> <div> <ul> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/amerant/">Amerant</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/amplify-credit-union/">Amplify</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/bank-of-america/">Bank of America</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/bethpage-federal-credit-union/">Bethpage Federal Credit Union</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/bmo-bank/">BMO</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/">Chase</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/">Citibank</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/citizens-bank/">Citizens</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/connexus-credit-union/">Connexus Credit Union</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/credit-union-of-texas/">Credit Union of Texas</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/discover/">Discover</a></li> </ul> </div></div> </div> <div class="col-span-1 sm:col-span-1 md:col-span-1 Cons"> <div class="wysiwyg display-inline has-links"> <div> <ul> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/fifth-third-bank/">Fifth Third Bank</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/figure/">Figure</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/flagstar-bank/">Flagstar Bank</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/frost-bank/">Frost Bank</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/lower/">Homeside</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/hsbc-bank/">HSBC</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/keybank/">KeyBank</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/lower/">Lower</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/">Northpointe</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/penfed/">PenFed Credit Union</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/pnc/">PNC Bank</a></li> </ul> </div></div> </div> <div class="col-span-1 sm:col-span-1 md:col-span-1 3rd column"> <div class="wysiwyg display-inline has-links"> <ul> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/police-and-fire-federal-credit-union/">Police and Fire Federal Credit Union</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/prosper/">Prosper</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/quorum-federal-credit-union/">Quorum</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/republic-bank-and-trust/">Republic Bank and Trust</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/regions-bank/">Regions Bank</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/rockland-trust-bank/">Rockland Trust Bank</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/spring-eq/">Spring EQ</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/td-bank/">TD Bank</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/third-federal-savings-and-loan/">Third Federal Savings & Loan</a></li> <li><a class="Link" href="https://www.bankrate.com/home-equity/reviews/us-bank/">U.S. Bank</a></li> </ul></div> </div> </div> </div> <div class="wysiwyg display-block w-full has-links"> <h3><strong>Why trust Bankrate?</strong></h3> <p>At Bankrate, our mission is to empower you to make smarter financial decisions. We’ve been comparing and surveying financial institutions for more than 40 years to help you find the right products for your situation. Our award-winning editorial team follows strict guidelines to ensure our content is not influenced by advertisers. Additionally, our content is thoroughly reported and vigorously edited to ensure accuracy.</p> <p>Bankrate analyzes loans to compare interest rates, fees, accessibility, online tools, repayment terms and funding speed to help readers feel confident in their financial decisions. Our meticulous research done by loan experts identifies both advantages and disadvantages to the best lenders.</p> <p>When shopping for a home equity loan, look for a competitive interest rate, repayment terms that meet your needs and minimal fees. Loan details presented here are current as of the publication date. Check the lenders’ websites to see if there is more recent information. The top lenders listed below are selected based on factors such as APR, loan amounts, fees, credit requirements and broad availability.</p></div> </div></div> </div></div> </section> </main> </div> <footer data-swiftype-index="false"class="global-footer"> <div class="global-footer__container"> <h2 class="global-footer__logo-container"> <a href="https://www.bankrate.com/"> <span class="global-footer__logo-text">Bankrate logo</span> <svg width="120" height="24" width="100" height="20" viewBox="0 0 400 80" xmlns="http://www.w3.org/2000/svg" focusable="false"> <title>Bankrate</title> <g fill="#151515"> <path d="m100.16 78.16v-8.16h-.16c-3.75 6.26-10.42 9.5-18 9.5-15.45 0-28-11.63-28-26.88 0-16.87 12.12-28.7 27.65-28.7 7.72 0 14.21 2.86 18.31 8.87h.19v-7.44h9.91v52.81zm.19-26.31c0-10.29-7.44-18.85-18.41-18.85-9.91 0-18 8.49-18 18.87 0 9.92 8.11 18.6 18 18.6a18.58 18.58 0 0 0 18.41-18.62z"/> <path d="m155.19 78.16v-28.78c0-11.16-4.38-16.4-13.16-16.4s-13.92 6.39-13.92 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