10 Best Cash-Out Refinance & Home Equity Loan Lenders of 2026
Our editors have selected the best cash-out refinance and home equity loan providers. We’ve also looked at other ways to help you tap into your home equity. Use our reviews and comparisons to determine which option is right for you.
Last Updated: July 30, 2026
State: Ohio
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Rocket Mortgage
Unlock the Value Already in Your Home
Put your home’s equity to work for you
Predictable payments with fixed interest rates
Guidance from experienced home loan experts
Fund renovations, upgrades, or major expenses
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AmeriSave Mortgage
Home Equity Loans & Refinance – Cash Out
Low rates, quick quotes & approval
AI driven analysis to maximize savings
Real savings, real fast - $1,100 avg monthly savings
$130 Billion funded & 23 years in business
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Unlock
Access Home Equity Without a Loan
No interest charges
Fast and easy application process
Flexible terms & no monthly payments
Up to $500K with a Home Equity Agreement (HEA)
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Get up to $600,000, no monthly payments required
Repay anytime within the 30 year term with no penalty
Prequalifying won't affect your credit score
No income requirements
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Achieve Home Loans
Smart Way to Consolidate Debt (for Homeowners)
Fast funding - Get your funds in as little as 5 days
A+ BBB Rating, 4.8 Stars on Trust Pilot
No refinance required, borrow up to $700k
Minimum FICO Score of 600+
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Fast, Fixed Rate HELOC with expert advisors standing by
Pre-qualify in minutes, fast funding
Fixed-rate HELOC custom built for you
No refinance required, borrow up to $300k
Recommended FICO Score of 640+
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Splitero
Access home equity with no monthly payments
Get up to $500k cash from your home
Streamlined funding process
No income required; keep your mortgage
Personalized support you can trust
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Unlock Home Equity With a Reverse Mortgage
Keep your current low-rate first mortgage
A smart option for today’s higher-rate market
Explore reverse mortgage options—no obligation to apply. Get a lump sum of cash to meet your needs
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