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.

Top Home Equity Agreements
Top HELOCs
Top Home Equity Loans

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

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Filters
  • All
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
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  • Maryland
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Great for Flexible Settlement & Partial Payments
Funding
$15K – $500K
Monthly Payments
None
Term Length
10 years
Min. Credit Score
500
4.9
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Best Overall
Funding
$15K – $600K
Monthly Payments
None
Term Length
10 years
Min. Credit Score
600
5.0
Visit Site
Great for Longer Terms
Funding
$30K – $500K
Monthly Payments
None
Term Length
30 years
Min. Credit Score
500
4.9
Visit Site

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

Best Overall
Rates (APR)
7.45% – 16.15%
Funding
$15K – $750K
Terms
2 – 5 yr. draw / 5, 10, 15, or 20 yr. repayment
Min. Credit Score
640
5.0
View Rates
Best Customer Reviews
Rates (APR)
6.99% – 15.49%
Funding
$5K – $400K
Terms
5 yr. draw / 5, 10, 15, or 30 yr. repayment
Min. Credit Score
620
5.0
View Rates
Best Credit Union
Rates (APR)
5.99% 12-mo. intro rate for qualified borrowers; then 6.75%+ variableⓘ
Funding
$10K – $1M
Terms
10 yr. draw / 20 yr. repayment
Min. Credit Score
670
4.8
View Rates
12-month introductory rate starting at 6.49% for VantageScores of 720 and up1, with variable post-introductory rates starting at 7.75%
Best for No Minimum Draw
Rates (APR)
5.99% - 14.24%
Funding
$10K - $250K
Terms
5 yr draw with renewal options / repayment varies
Min. Credit Score
640
4.8
View Rates
Best Marketplace
Rates (APR)
Vary
Funding
$10K – $2M
Terms
2 – 20 yr. draw / 5 – 30 yr. repayment
Min. Credit Score
None
4.5
View Rates
HEA Lender | HELOC Alternative
Rates (APR)
None
Funding
$30K – $500K
Terms
30 years
Min. Credit Score
620
4.6
Read Review
Best Intro Rate
Rates (APR)
First 6-mo. starting at 4.99%, then 8.75% – 16.00%
Funding
$10K+
Terms
10 yr. draw / 20 yr. repayment
Min. Credit Score
620
4.4
Read Review

Home Equity Loan Lenders

Best for Comparison Shopping
Rates (APR)
Varies
Funding
$10K – $2M
Terms (Yrs.)
Varies
Min. Credit Score
None
4.5
View Rates
NMLS #1136 Terms and Conditions apply.
Best Online Experience
Rates (APR)
6.99%+
Funding
Up to $350K
Terms (Yrs.)
5 - 30
Min. Credit Score
680
4.1
Read Review
Best for Accessing 90% of Equity
Rates (APR)
9.50%+
Funding
$25K – $500K
Terms (Yrs.)
5 – 30
Min. Credit Score
640
4.2
Read Review
Best for Customer Satisfaction
Rates (APR)
Not disclosed
Funding
$45K - $500K
Terms (Yrs.)
10 or 20
Min. Credit Score
680
4.3
Read Review

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.

Other home equity resources

Using your home's equity for home improvements

Home improvement projects inside your home

Home improvement projects outside your home

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