Lender Spotlight
Find a Great Home Equity Lender
Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.
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NerdWallet Rating (High to Low)
Lender | NerdWallet Rating | Max LTV | Loan amount | Min. credit score | Learn More |
---|---|---|---|---|---|
5.0 /5 | 75% | $15K- $150K | 640 | Visit Lenderat Achieve at Achieve | |
5.0 /5 | 85% | $15K- $400K | 620 | Visit Lenderat Guaranteed Rate at Guaranteed Rate | |
5.0 /5 | 85% | $10K- $1M | 670 | Visit Lenderat Bethpage Federal Credit Union at Bethpage Federal Credit Union | |
4.5 /5 | 85% | $20K- $400K | 640 | Visit Lenderat Figure at Figure | |
4.5 /5 | 95% | $25K- $500K | 640 | Visit Lenderat Spring EQ at Spring EQ | |
4.0 /5 | 90% | $45K- $350K | 680 | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | |
4.0 /5 | 80% | $25K- $750K | 580 | Visit Lenderat New American Funding at New American Funding | |
3.5 /5 | 90% | $0- $500K | 680 | Visit Lenderat Better at Better |
Applied filters: ZIP: 94103, Loan amount: $100,000, LTV: 75%,Excellent (720-850)
Visit Lenderat Achieve
at Achieve
Visit Lenderat Guaranteed Rate
at Guaranteed Rate
Bethpage Federal Credit Union: NMLS#449104
Max LTV
85%
Loan amount
$10K- $1M
Min. credit score
670
Visit Lenderat Bethpage Federal Credit Union
at Bethpage Federal Credit Union
Visit Lenderat Figure
at Figure
Visit Lenderat Spring EQ
at Spring EQ
Rocket Mortgage, LLC: NMLS#3030
Max LTV
90%
Loan amount
$45K- $350K
Min. credit score
680
Visit Lenderat Rocket Mortgage, LLC
at Rocket Mortgage, LLC
New American Funding: NMLS#6606
Max LTV
80%
Loan amount
$25K- $750K
Min. credit score
580
Visit Lenderat New American Funding
at New American Funding
Visit Lenderat Better
at Better
Frequently asked questions
- What credit score do you need for a HELOC?
Lender requirements vary, but typically you'll need a credit score of 620 or higher. Taking out a HELOC will probably reduce your credit score temporarily when it appears on your credit report.
- Is a HELOC tax-deductible?
The interest you pay each year on a HELOC is tax-deductible up to a limit as long as the borrowed money is used to buy, build or substantially improve your home, according to the IRS.