TODAY’S MORTGAGE OPTIONS
HELOC rates & equity options
Keep your existing first mortgage and explore a separate line of credit. Compare the draw period, payment changes, fees and variable-rate risk.
Advertised rate source: The Mortgage Calculator. Published Nov 11, 2026. 1 Unit SFH, $500,000 Purchase Price, $300,000 Loan Amount, 60% LTV, 760 FICO, 40% DTI. Points, fees and lock period are not supplied by the feed; do not assume zero points. Rates shown are advertised examples and can change. View source & terms →
| Loan program | Interest rate | APR | Next step |
|---|---|---|---|
Instant HELOC PrimaryHELOCTerms & assumptions1 Unit SFH, $500,000 Purchase Price, $300,000 Loan Amount, 60% LTV, 760 FICO, 40% DTI. Points, fees, lock period and any adjustment terms are not itemized in this source. Request a personalized quote for complete terms. | 7.850% | 7.958% | Get a quote |
Instant HELOC InvestmentHELOCTerms & assumptions1 Unit SFH, $500,000 Purchase Price, $300,000 Loan Amount, 60% LTV, 760 FICO, 40% DTI. Points, fees, lock period and any adjustment terms are not itemized in this source. Request a personalized quote for complete terms. | 8.600% | 8.708% | Get a quote |
Instant HELOC Second HomeHELOCTerms & assumptions1 Unit SFH, $500,000 Purchase Price, $300,000 Loan Amount, 60% LTV, 760 FICO, 40% DTI. Points, fees, lock period and any adjustment terms are not itemized in this source. Request a personalized quote for complete terms. | 8.250% | 8.358% | Get a quote |
3 advertised options · The Mortgage Calculator · Nov 11, 2026 · Rates are subject to change.
Compare the full financing picture
Keep your existing first mortgage and explore a separate line of credit. Compare the draw period, payment changes, fees and variable-rate risk. Your quote can differ from these published examples because it reflects your credit, property, occupancy, loan amount, documentation and selected terms.
Compare the interest rate and APR alongside points, lender fees, the lock period and the expected time you will keep the loan. If the rate feed does not itemize a fee, that does not mean the fee is zero.
A second loan is a separate decision
A HELOC or fixed second mortgage can leave your existing first mortgage in place, subject to lender requirements. Compare the added payment and total borrowing cost with keeping your current debt or refinancing the full mortgage. Your home secures the debt.
Fast digital HELOC options are available for eligible scenarios. Instant application features do not guarantee final approval or immediate funding. Verification, valuation, closing and applicable waiting periods still apply.
Read the HELOCs guide →