10 Best Home Equity Cash-Out 2026
Home equity cash-out lets homeowners tap into their home’s equity by refinancing or taking out a new loan and receiving cash upfront. It’s often used for home improvements, debt consolidation, or major expenses, with repayment spread over time.
#1
Our Partner
Fixed Interest Rates for Predictable Payments
Unlock the Value Already in Your Home
Put your home’s equity to work for you
680 minimum credit score for an Equity Loan
Guidance from experienced home loan experts
Fund renovations, upgrades, or major expenses
Trust Pilot Rating4.7 out of 5
TrustPilot Reviews34,231
Originations133,403
#2
Our Partner
Offer HELOC and Home Equity Loan Options
$130 Billion funded & 23 years in business
Low rates, quick quotes & approval
AI driven analysis to maximize savings
Real savings, real fast - $1100 avg monthly savings
$130 Billion funded & 23 years in business
Trust Pilot Rating4.5 out of 5
TrustPilot Reviews13,356
Originations9,510
#3
Our Partner
Hometap
No Cash Due at Closing
No monthly payments necessary
Borrow up to $600,000
No prepayment penalties
Only 25% equity required
Trust Pilot Rating4.9 out of 5
TrustPilot Reviews3,793
OriginationsN/A
#4
Our Partner
Largest Non-Bank HELOC Lender
Approval in 5 minutes. Funding in as few as 5 days.
Approval in 5 minutes. Funding in as few as 5 days
Borrow $15K-$400K, redraw up to 100%
Consolidate debt or finance your next home project
Good/Excellent credit
Trust Pilot Rating4.5 out of 5
TrustPilot Reviews2,602
Originations8,385
#5
Our Partner
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)
Trust Pilot Rating4.7 out of 5
TrustPilot Reviews1,334
Originations4,989
#6
Our Partner
New American Funding
Leverage Your Home's Equity with a Cashout-Refinance
Competitive rates for FICO scores 580-679
No appraisal fee for HELOC & Cash-Out Refi
Pay off debt or high-Interest credit cards
Find the solution for tapping into your home equity
Trust Pilot Rating4.9 out of 5
TrustPilot Reviews803
Originations3,110