July 2025 Guide To The

Best Home Equity Solutions in Texas

Compare HELOC lenders with fast funding, online prequalification forms, excellent customer reviews, and unique features to support your financial goals.

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Excellent (800 – 850)

Very Good (740 – 799)

Good (670 – 739)

Fair (580 – 669)

Poor (< 580)

Best Overall HELOC

Minimum 700+ credit score required
$11+ billion in equity unlocked
Funding in as little as 5 days
Borrow $15,000 to $700,000
Flexible fixed-rate terms
Excellent (3,200+ Trustpilot customers)

4.9

View Rates

Read

Minimum 700+ credit score required
$11+ billion in equity unlocked
Funding in as little as 5 days
Borrow $15,000 to $700,000
Flexible fixed-rate terms
Excellent (3,200+ Trustpilot customers)

Great for Comparison Shopping

Compare multiple HELOC offers in minutes
No impact on credit to view rates
Flexible terms from top lenders
Fast, online application process
Borrow up to 85% of your home’s value
Excellent (13,700+ Trustpilot customers)

4.5

View Rates

Read

Compare multiple HELOC offers in minutes
No impact on credit to view rates
Flexible terms from top lenders
Fast, online application process
Borrow up to 85% of your home’s value
Excellent (13,700+ Trustpilot customers)

Figure Review

Best Overall HELOC

Minimum 700+ credit score required
$11+ billion in equity unlocked
Funding in as little as 5 days
Borrow $15,000 to $700,000
Flexible fixed-rate terms
Excellent (3,200+ Trustpilot customers)

4.9

View Rates

Read

Minimum 700+ credit score required
$11+ billion in equity unlocked
Funding in as little as 5 days
Borrow $15,000 to $700,000
Flexible fixed-rate terms
Excellent (3,200+ Trustpilot customers)

Figure Customer Reviews

Figure has excellent ratings from its customers across multiple platforms. The Better Business Bureau (BBB) has assigned the company an A+ rating for customer interaction.

LendEDU	4.9 out of 5
Trustpilot	4.7 out of 5 (3,244 reviews)
Google	4.9 out of 5 (777 reviews)

Ratings accurate as of June 2025

Check your rate with a soft credit check

LendingTree Review

Great for Comparison Shopping

Compare multiple HELOC offers in minutes
No impact on credit to view rates
Flexible terms from top lenders
Fast, online application process
Borrow up to 85% of your home’s value
Excellent (13,700+ Trustpilot customers)

4.5

View Rates

Read

Compare multiple HELOC offers in minutes
No impact on credit to view rates
Flexible terms from top lenders
Fast, online application process
Borrow up to 85% of your home’s value
Excellent (13,700+ Trustpilot customers)

LendingTree Customer Reviews

LendingTree has excellent ratings from its customers across multiple platforms. The Better Business Bureau (BBB) has assigned the company an A+ rating for customer interaction.

LendEDU	4.5 out of 5
Trustpilot	4.4 out of 5 (14,944 reviews)
Google	4.7 out of 5 (1,900 reviews)

Ratings accurate as of June 2025

Check your rate with a soft credit check

What Is A HELOC?

A HELOC is a revolving credit line secured by your home’s equity. You can draw money as needed and only pay interest on what you borrow. HELOCs require monthly payments and have credit score and income requirements.

Best In Texas

Best Overall HELOC

Minimum 700+ credit score required
$11+ billion in equity unlocked
Funding in as little as 5 days
Borrow $15,000 to $700,000
Flexible fixed-rate terms
Excellent (3,200+ Trustpilot customers)

4.9

View Rates

Read

Minimum 700+ credit score required
$11+ billion in equity unlocked
Funding in as little as 5 days
Borrow $15,000 to $700,000
Flexible fixed-rate terms
Excellent (3,200+ Trustpilot customers)