Home Equity
Compare our top picks for the best home equity loans & HELOCS and learn more about how home equity works & how you can use it.
Ways to access the equity in your home
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.
- 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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What Is an Automated Valuation Model (AVM), and How Does It Work?
As technology has evolved, so too have real estate professionals’ and lenders’ toolkits for simplifying the mortgage application process. From fast and easy online prequalifications and applications to streamlined appraisals,…
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The Ultimate Playbook for Buying and Selling a Home at the Same Time [6 Steps]
Figuring out how to sell and buy a home at the same time doesn’t need to be complicated. This is a common occurrence because most people have to sell their…
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Will HELOC Rates Go Down in 2026?
As of late 2024, HELOC rates remain a crucial consideration for homeowners. With the Federal Reserve implementing modest rate cuts, the 2025 outlook shows potential for slight rate declines. However,…
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Shopping for a HELOC: How to Get the Best HELOC Rate in 12 Steps
A home equity line of credit (HELOC) is a great tool for tapping into the equity you’ve built in your home to cover major expenses, such as home renovations, large…
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Should I Refinance My Mortgage? Or Get a Home Equity Loan or Line of Credit?
Thinking about tapping into your home’s equity but unsure whether to refinance, get a home equity loan, or take out a HELOC? Each option works differently and has its pros…
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What Are the 3 Types of Reverse Mortgages?
A reverse mortgage is a unique financial product that allows homeowners aged 62 or older to tap into their home equity. The three main types are home equity conversion mortgages…
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How Long Does It Take to Get a Home Equity Loan? Lender Funding Times and the Complete Process
It typically takes two to seven weeks to get a home equity loan, from application to funding. This timeline reflects the underwriting, appraisal, and closing steps required for a fixed-rate,…
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The 17 Pros and Cons of Home Equity Loans
Home equity loans let homeowners borrow a lump sum against their home’s equity—often at lower interest rates than unsecured loans. With predictable payments, they’re ideal for significant expenses, such as…
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![When Is the Best Time to Take Equity Out of Your Home? [2025 Edition]](https://lendedu.com/wp-content/uploads/2024/12/When-Is-the-Best-Time-to-Take-Equity-Out-of-Your-Home-2025-Edition.jpg?w=640)
When Is the Best Time to Take Equity Out of Your Home? [2026 Edition]
Tapping into your home equity can be a powerful financial tool—whether you’re funding a home renovation, consolidating debt, or covering unexpected expenses. But timing matters, and 2026 is shaping up…
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Debt-to-Income Ratio (DTI) for HELOC: Top 5 FAQ Explained
What is DTI, and why does it matter for a HELOC? DTI, or debt-to-income ratio, is a financial metric that compares your total monthly debt payments to your gross monthly…