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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

I randomly chose Tonya to visit with back in the fall when I was thinking of buying a property. I had googled lenders in my area, but I was drawn to Tonya's website, possibly because she was a female.. Sometimes men can be intimidating. She was very nice and we had a good visit. She gave me the information I needed to know how much I could afford to purchase. So that got tabled!! When spring rolled around and I decided to go ahead and invest in a property, I knew I wanted Tonya to be my lender. She was pleasant, knowledgeable and dedicated! She presented me with different options for my loan , plus processed a HELOC for me. She worked really hard And we were able to close in two weeks!

Jyl E.

Verified Customer

July 21, 2026

5.0

Christine expedited approval for my HELOC and delivered my funds in record time. Thank you Christine!

Jeffrey L.

Verified Customer

June 27, 2026

5.0

Angie Lewis made the entire HELOC process smooth and stress-free from start to finish. She was knowledgeable, responsive, and always took the time to explain each step and answer our questions. Communication was excellent throughout the process, and we always felt like we were a priority. Her professionalism, attention to detail, and dedication made obtaining our HELOC much easier than we expected. We truly appreciate all of her hard work and would highly recommend Angie to anyone looking for a mortgage or home equity loan. Thank you for providing such outstanding service!

Jeffrey S.

Verified Customer

July 14, 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 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

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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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