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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

"The entire process was quick and simple. they offered the BEST rates, BEST overall payment, LOWEST monthly payment (and closing costs).... GO WITH THESE GUYS if you are refinancing"
Robert
LendingTree
"I reached out to about half a dozen banks when looking for a Home Mortgage. Lower came back with the best rates and the agent was extremely responsive and helpful."
Shane
LendingTree
"Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender."
AJ
Zillow
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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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