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HELOC

Achieve your goals with a HELOC.

Use a home equity line of credit to pay off high-interest debt, renovate your home, or get cash for college or retirement.

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No-impact credit check. No commitment.
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HELOC Benefits

Get more from a HELOC than almost any other lender.

Access as much of your home equity as possible with Lower—up to $500k and 95% of your home’s value—while other lenders cap at 80%.

Up to 95% loan to value
Easy and fast access to cash
No-impact credit check
Pay only interest on what you borrow
Access funds multiple times without reapplying

#1 HELOC Lender here for you.*

Renovate or pay off high-interest debt with the Lower™ HELOC. Over 30K five-star reviews.
Trustpilot | Google | Zillow | Bankrate

5.0

Erik is extremely knowledgeable in all aspects of home mortgage and financial matters. His guidance throughout our HELOC process was outstanding and he was able to make the complicated process of the loan very simple for us. We are very satisfi…ed with Erik and will definitely use him again when the need arises. Ken and Mary Moriarty Colleyville, TX

Ken M.

Verified Customer

September 17, 2026

5.0

Farryl was excellent to work with. She was patient, responsive, and stayed involved through a complicated HELOC process. She kept me updated, helped solve every issue, and made sure the transaction was completed successfully. I truly appreciate… her professionalism and dedication.

Tobi N.

Verified Customer

July 19, 2026

5.0

Farryl was responsive, patient, and worked hard through a complicated process. She kept me updated, found solutions when issues came up, and helped get the HELOC completed successfully.

Tobi M.

Verified Customer

July 18, 2026

5.0

I can’t say enough about how wonderful Sean was throughout the entire process. His responses were always immediate. He made the process of getting a home equity loan painless. There were zero frustrations and everything went seamlessly. Highly …recommend!

Jessica L.

Verified Customer

May 18, 2026

5.0

I worked with Miquel Esersky on a HELOC loan. The experience was great, easy application, quick approval, great deal and it funded in 7 days from application. I highly recommend Miquel and The Esersky Group for real estate loans!

Brian B.

Verified Customer

March 24, 2026

5.0

Sean was super helpful with a home equity loan of ours. Communication was excellent from start to finish. He was always quick to respond no matter the time of day and stayed on top of every detail throughout the process. Made everything feel sm…ooth, clear, and stress-free. Highly recommend!

Eric N.

Verified Customer

May 6, 2026

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Get flexible access to funds

Ideal for renovations, debt consolidation, or big expenses, a HELOC allows you to borrow what you need, when you need it.

Get flexible funding now

Enjoy interest-only HELOC options with Lower

Pay interest only during the 10-year draw period to keep monthly payments low.

Save on payments
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Explore today’s HELOC rates

Lower offers HELOC rates as low as 8.75%. See what your rate is by applying now.

Get a customized rate quote
Frequently Asked Questions

You’ve got HELOC questions. We’ve got answers.

A HELOC, or home equity line of credit, is a revolving line of credit secured by your home. It lets you borrow against your available equity as needed, rather than taking all the funds at once. They may have a lower rate than unsecured debts like personal loans.

This flexibility can make a HELOC especially useful for expenses that happen in stages or are difficult to predict upfront, like home renovations, ongoing tuition costs, or debt consolidation.

A HELOC may be the right choice if you want to keep borrowing flexible and only draw what you need, when you need it.

Can I get a HELOC on an investment or rental property?

Yes, HELOCs are available for investment and rental properties, though they may have different requirements and rates than primary residences.

What Are the Closing Costs for a HELOC?

HELOC closing costs can vary but typically include fees for appraisal, title search, and documentation. Some lenders may offer reduced or waived fees, so be sure to ask about options when you apply.

How are HELOC payments estimated?

Your HELOC payment depends on your outstanding balance and current interest rate. Many HELOCs offer interest-only payments during the draw period, which keeps monthly payments low.

Equity Options

Explore more ways to access your home’s value.

Whether you're looking for a lump sum or a flexible line of credit, we have the right option for you.

Learn More

HELOC Resources

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