Best Home Equity Loans 2026
by Anonymous
Home equity loans and HELOCs let you borrow against your home's value at lower rates than unsecured debt. Fixed-rate home equity loans provide predictable payments, while HELOCs offer flexible draw periods. Interest may be tax-deductible when used for home improvements. Borrowing against your home carries foreclosure risk, so only use equity financing for high-value purposes.
Figure
7.10–15.90%
apr range
95%
max ltv
$15,000–$400,000
loan amounts
5 days
closing time
2–5% origination
closing costs
5 years
draw period (heloc)
Bethpage FCU
6.74–18.00%
apr range
90%
max ltv
$10,000–$500,000
loan amounts
2–6 weeks
closing time
Low/waivable
closing costs
10 years
draw period (heloc)
US Bank
7.65–13.40%
apr range
85%
max ltv
$15,000–$750,000
loan amounts
2–4 weeks
closing time
None
closing costs
10 years
draw period (heloc)
Spring EQ
8.00–15.00%
apr range
95%
max ltv
$25,000–$500,000
loan amounts
2–3 weeks
closing time
2–5%
closing costs
N/A (fixed loan)
draw period (heloc)
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