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Home Equity
The equity you have built is one of your most flexible financial tools. This hub covers home equity loans and HELOCs — how they work, how they differ, and how to tap your equity for renovations, debt consolidation, or big expenses without putting your home at unnecessary risk.
All Home Equity articles & guides
Home Equity
Home equity loans and HELOC options to put your equity to work.
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Can You Get a HELOC With Bad Credit?
Most HELOCs need a 640 credit score. Below that, an FHA cash-out refinance allows scores as low as 580, giving lower-credit borrowers a path to their equity.
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Can You Get a HELOC Without Proving Income the Usual Way?
Yes. Our HELOC reads the deposits flowing through your bank accounts to establish income, so self-employed, retired, and between-jobs borrowers can qualify.
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Home equity loan or cash-out refinance: which one should I use?
If your current mortgage rate is lower than today's rates, a home equity loan usually costs less because it leaves your first mortgage untouched. Here is the full side-by-side with the math.
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How much of my home equity can I borrow?
Most lenders let you borrow up to about 80 to 85 percent of your home's value across all loans combined, then subtract what you still owe on your mortgage.
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What credit score do I need for a home equity loan?
Most lenders want a credit score of at least 620 for a home equity loan, and many prefer 680 or higher for the best pricing.
Read moreWant to tap your equity?
Get a quote and see how much you may be able to borrow against your home.
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