Best Home Equity Solutions in North Carolina
Compare companies offering home equity financing in North Carolina with high funding limits, online prequalification forms, and unique features to support your financial goals.
250,000+ visitors used LendEDU in the last month
Best Overall HELOC
- $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)
- $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)
Best Support Team
- Access your equity quickly and flexibly
- No monthly payments
- Assigned a dedicated Investment Manager
- Get an online cash estimate in under 2 minutes
- Accepts bankruptcy resolved over 1 year ago
- Excellent (4,900+ Trustpilot customers)
- Access your equity quickly and flexibly
- No monthly payments
- Assigned a dedicated Investment Manager
- Get an online cash estimate in under 2 minutes
- Accepts bankruptcy resolved over 1 year ago
- Excellent (4,900+ Trustpilot customers)
Great Customer Reviews
- Lowest rate guarantee
- Apply 100% online
- Funding in as few as 3 days after signing
- Borrow $5,000 to $250,000
- Refinance home equity loans with no fees
- Excellent (4,900+ Trustpilot customers)
- Lowest rate guarantee
- Apply 100% online
- Funding in as few as 3 days after signing
- Borrow $5,000 to $250,000
- Refinance home equity loans with no fees
- Excellent (4,900+ Trustpilot customers)
Best for Partial Payments
- Accepts partial payments during the term
- No monthly payments or interest
- Get an online cash estimate in just 2 minutes
- Prequalify without affecting your credit score
- Accepts bankruptcy resolved over 5 years ago
- Excellent (1,200+ Trustpilot customers)
- Accepts partial payments during the term
- No monthly payments or interest
- Get an online cash estimate in just 2 minutes
- Prequalify without affecting your credit score
- Accepts bankruptcy resolved over 5 years ago
- Excellent (1,200+ 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 (14,900+ Trustpilot customers)
- 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 (14,900+ Trustpilot customers)
Best for Longer Terms
- No payments for up to 30 years
- Funds can be used on anything you need
- No income requirements
- Get an online cash estimate in just 60 seconds
- Accepts bankruptcy resolved over 2 years ago
- Excellent (2,600+ Trustpilot Clients)
- No payments for up to 30 years
- Funds can be used on anything you need
- No income requirements
- Get an online cash estimate in just 60 seconds
- Accepts bankruptcy resolved over 2 years ago
- Excellent (2,600+ Trustpilot Clients)
Reviews of the best home equity solutions
Figure
Best Overall HELOC
- $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)
- $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) |
| 4.9 out of 5 (777 reviews) |
Hometap
Best Support Team
- Access your equity quickly and flexibly
- No monthly payments
- Assigned a dedicated Investment Manager
- Get an online cash estimate in under 2 minutes
- Accepts bankruptcy resolved over 1 year ago
- Excellent (4,900+ Trustpilot customers)
- Access your equity quickly and flexibly
- No monthly payments
- Assigned a dedicated Investment Manager
- Get an online cash estimate in under 2 minutes
- Accepts bankruptcy resolved over 1 year ago
- Excellent (4,900+ Trustpilot customers)
Hometap Customer Reviews
Hometap 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 | 4.8 out of 5 |
| Trustpilot | 4.8 out of 5 (4,902 reviews) |
| 4.9 out of 5 (2,430 reviews) |
Aven
Great Customer Reviews
- Lowest rate guarantee
- Apply 100% online
- Funding in as few as 3 days after signing
- Borrow $5,000 to $250,000
- Refinance home equity loans with no fees
- Excellent (4,900+ Trustpilot customers)
- Lowest rate guarantee
- Apply 100% online
- Funding in as few as 3 days after signing
- Borrow $5,000 to $250,000
- Refinance home equity loans with no fees
- Excellent (4,900+ Trustpilot customers)
Aven Customer Reviews
Aven 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 | 4.8 out of 5 |
| Trustpilot | 4.9 out of 5 (4,902 reviews) |
| 5 out of 5 (2,195 reviews) |
Unlock
Best for Partial Payments
- Accepts partial payments during the term
- No monthly payments or interest
- Get an online cash estimate in just 2 minutes
- Prequalify without affecting your credit score
- Accepts bankruptcy resolved over 5 years ago
- Excellent (1,200+ Trustpilot customers)
- Accepts partial payments during the term
- No monthly payments or interest
- Get an online cash estimate in just 2 minutes
- Prequalify without affecting your credit score
- Accepts bankruptcy resolved over 5 years ago
- Excellent (1,200+ Trustpilot customers)
Unlock Customer Reviews
Unlock 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 | 4.7 out of 5 (1,258 reviews) |
| 4.8 out of 5 (638 reviews) |
LendingTree
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 (14,900+ Trustpilot customers)
- 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 (14,900+ 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) |
| 4.7 out of 5 (1,900reviews) |
Point
Best for Longer Terms
- No payments for up to 30 years
- Funds can be used on anything you need
- No income requirements
- Get an online cash estimate in just 60 seconds
- Accepts bankruptcy resolved over 2 years ago
- Excellent (2,600+ Trustpilot Clients)
- No payments for up to 30 years
- Funds can be used on anything you need
- No income requirements
- Get an online cash estimate in just 60 seconds
- Accepts bankruptcy resolved over 2 years ago
- Excellent (2,600+ Trustpilot Clients)
Point Customer Reviews
Point has solid ratings from its customers across multiple platforms. The Better Business Bureau (BBB) has assigned the company an A+ rating for customer interaction.
| LendEDU |
| Trustpilot |
| Better Business Bureau |
Learn more about HESAs and HELOCs
HESA and HELOC loan eligibility requirements
Here is a quick overview of qualifications to decide which loan is right for you.
If you have bad credit, a HESA may make more sense since it has a lower credit score requirement:
| HESA | HELOC | |
| Minimum credit score | Poor credit accepted | Typically fair credit |
| Income requirements | None | Yes, varies |
| Monthly payments | None | Yes |
| Interest rates | None | Yes |
HESA vs HELOC scenarios
It’s easy to see how HELOCs and home equity loans compare. But which should you choose if you want to tap into your home’s value?
Here are some scenarios and which home equity product makes the most sense.
| If you… | HELOC or HESA? |
| Have solid credit history | HELOC |
| Have fair or poor credit | HESA |
| Want access to revolving credit line | HELOC |
| Want to avoid tying your payment to your home value | HELOC |
| Want a lump sum repayment vs. monthly payments | HESA |