Top Home Equity Lenders In 2026
Compare our top picks for the best home equity agreements, home equity loans & HELOCS, plus learn more about how home equity works & how you can use it.
If you have sufficient equity in your home, you can use it to access cash. Your home acts as collateral for these loans or agreements.
Ways to access the equity in your home
Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page.
Home Equity Agreement (HEA) Lenders
Availability depends on your state.
Use the filter above to see what's available in your state. If there are no results, consider alternative home equity financing solutions, such as the best HELOCs, best home equity loans, and best home-sale leasebacks below.
Home Equity Lines of Credit (HELOC) Lenders
Home Equity Loan Lenders
- How to Take Equity Out of Your Home
- Best Home Equity Loans
- Best Home Equity Lines of Credit
- Best Home Equity Agreements
- Best Home Sale-Leasebacks
Home equity reviews
Several companies allow you to access the equity in your home. Before moving forward with any company, it’s important that you review what it offers to ensure it offers you the best terms.
- Figure HELOC Review
- Hometap Review
- Spring EQ Home Equity Loan Review
- Point Home Equity Review
- Unison Home Equity Review
- EasyKnock Home Equity Review
Other home equity resources
Using your home's equity for home improvements
- Home Addition Loans
- Highest ROI Renovations
- How to Pay for Emergency Home Repairs
- Home Improvement Financing
Home improvement projects inside your home
- How Much Does It Cost to Fix or Replace a Broken Water Heater?
- How Much Does an Emergency Plumber Cost?
- Best Loans for Plumbing Financing
- How Much Does It Cost to Paint a House?
- Understanding Drywall Repair Costs
- How Much Should It Cost to Add a Fireplace or Furnace?
- How Much Does It Cost to Replace or Repair a Furnace?
- How Much Should a Kitchen Remodel Cost?
- How Much Should a Bathroom Remodel Cost?
- Cost to Finish a Basement
- Mold Remediation Costs
Home improvement projects outside your home
- How Much Does It Cost to Replace a Roof?
- How Much Should Window Replacement Cost?
- How Much Does a Storm Shelter Cost?
- What to Know About Siding Replacement Cost
- How Much Does It Cost to Install Solar Panels?
- How Much Does It Cost to Install or Repair Gutters?
- How Much Should a Foundation Repair Cost?
All home equity articles
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JG Wentworth Home Equity Cashout Review 2026: Pros, Cons & Analysis
Overview: What JG Wentworth offers You might recognize JG Wentworth from its debt relief services. But today, the company also operates in the home equity space. Its main offering is…
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Pennymac Home Equity Loans: 2026 Review
Pennymac is a long-standing mortgage lender with physical locations in Texas, Missouri, Nevada, Hawaii, California, Arizona, Florida, and Tennessee. You can borrow up to 85% of your home’s value with…
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Achieve HELOCs 2026 Review: Affordable Fixed-Rate Option Open to Fair-Credit Borrowers
Achieve HELOC alternatives While Achieve offers a high-quality HELOC for borrowers with excellent credit, we always recommend exploring several options, whether for HELOCs or home equity loans. The following companies…
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Fifth Third Bank HELOCs and Home Equity Loans 2026: Reliable Options for Excellent Credit Borrowers
Overview: What Fifth Third Bank offers Fifth Third Bank keeps its home equity offerings pretty straightforward. You can choose between a home equity line of credit (HELOC) through its Equity…
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SoFi HELOCs and Home Equity Loans: 2026 Review
Alternatives to SoFi HELOC and Home Equity Loan SoFi is an online bank and lender that offers a wide range of financial products, including bank accounts, personal loans, private student loans, and…
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Current HELOC Rates in September 2026
A HELOC offers flexibility when you need cash, and rate-shopping can help you find the best deal. At last glance, average current HELOC rates hover around 7%, with some lenders…
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How Much Does It Cost to Put in a Well and Septic System? Price Breakdown and Financing Options
For a well and septic system together, you’re looking at a cost of $6,600 on the low end, up to about $21,500 for most projects. The average falls around $13,500.…
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Can You Refinance a Home Equity Loan?
If you took out a home equity loan a few years ago, your financial situation or the broader rate environment may have changed since then. Refinancing a home equity loan…
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Huntington Bank Home Equity Loans and HELOCs: 2026 Review
Huntington Bank is a large regional bank based in Columbus, Ohio, with over 1,000 branches across the Midwest and assets of over $210 billion. The bank offers home equity loans…
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How to Pay for Emergency Home Repairs Using Your Home Equity
When a flood compromises your home’s foundation or a hurricane destroys your roof, repairs can’t wait. If covering the costs out of pocket isn’t an option, homeowners often turn to…