10 Best Home Equity Lenders 2026

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

New American Funding

100% online application available

  Home Equity Loans or Cash-Out Refinance

 Pay off higher interest rate credit cards

 Home Improvement or buy a vacation home

 311k+ positive reviews, A rating from the BBB

AmeriSave Mortgage

Home Equity Loans & Refinance – Cash Out

  Unlock cash from within your home

  AI driven analysis to maximize savings

  Low Rates, quick quotes & approval

  $130 Billion funded & 23 years in business

Figure

Borrow up to $750K

  No prepayment penalties

  Consolidate debt or finance your next project

  100% digital app & online appraisal

  100% online application

Unison 

Get up to $500K cash–no loan

 No monthly payments & a 30 year term

 Keep current equity, share appreciation

 If home value drops, Unison shares loss

 The industry pioneer since 2006

No monthly payments required

  Get up to $600,000

  Repay anytime within the 30 year term with no penalty

  Prequalifying won't affect your credit score

  No income requirements

Hometap

No prepayment penalty

  Fund education & life events

  Borrow up to $600,000

  Dedicated Investment Manager to guide the process

  Only 25% equity required 

Quicken Loans

Unlock Cash From Within Your Home

  Powerful home equity solutions

  Real-time updates on loan process

  100% online experience

  Get matched to the best rate in our network