{"id":101039,"date":"2020-10-02T11:12:00","date_gmt":"2020-10-02T15:12:00","guid":{"rendered":"https:\/\/lendedu.com\/?p=101039"},"modified":"2026-09-09T16:28:33","modified_gmt":"2026-09-09T20:28:33","slug":"heloc-vs-home-equity-loan","status":"publish","type":"post","link":"https:\/\/lendedu.com\/blog\/heloc-vs-home-equity-loan\/","title":{"rendered":"HELOC vs. HELOAN: 6 Key Differences, Pros, and Cons"},"content":{"rendered":"\n<p>A <strong>home equity line of credit (HELOC<\/strong>) lets you draw on a credit line multiple times, up to a certain limit, while a <strong>home equity loan (HELOAN or HEL)<\/strong> lets you borrow a single lump sum.<\/p>\n\n\n\n<p>A HELOC may be better suited for <strong>ongoing expenses<\/strong>, such as college tuition or a large renovation project, while a home equity loan may be better for<strong> one-time costs.&nbsp;<\/strong><\/p>\n\n\n\n<p>There are several nuances to consider when looking at a HELOC versus a home equity loan. Find out the details on how each one works, the pros and cons of both, and how to compare your options.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group alignfull has-blue-50-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\" data-go2-lemeta=\"core-group\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is 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credit score<\/h2>\n                            <p class='gform_description'>Your credit score can affect which home equity products and lenders may be available to you. Select your range to see information tailored to your credit profile.<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_2' id='gform_2'  action='\/wp-json\/wp\/v2\/posts\/101039#gf_2' data-formid='2' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_2' class='gform_fields top_label form_sublabel_above description_above validation_above'><div id=\"field_2_2\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_above gfield--has-description field_description_above field_validation_above gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_2_2'><span class='gform-field-label__text'>LinkedIn<\/span><\/label><div class='gfield_description' id='gfield_description_2_2'>This field is for validation purposes and should be left unchanged.<\/div><div class='ginput_container'><input name='input_2' id='input_2_2' type='text' value='' 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id='label_2_1_3' class='gform-field-label gform-field-label--type-inline'>700+<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'> <button type='submit' id='gform_submit_button_2' class='gform_button button gform-button--width-full' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' >Show My Options<\/button> <input type='hidden' name='gform_ajax' value='form_id=2&amp;title=1&amp;description=1&amp;tabindex=0&amp;theme=orbital&amp;styles={&quot;inputPrimaryColor&quot;:&quot;#204ce5&quot;}&amp;hash=3d698af7b33e24451a8dcabfcd6b9b6c' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_2' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_2' id='gform_theme_2' value='orbital' \/>\n            <input type='hidden' class='gform_hidden' 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true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} );\n<\/script>\n\n\n\n<p class=\"has-text-align-center has-blue-900-color has-text-color has-link-color has-small-font-size wp-elements-9f436634c41ce961435a3f92de7a3fe6\">Selecting your credit score range here won\u2019t affect your credit score.<\/p>\n\n\n\n<p><span role=\"tooltip\" aria-describedby=\"tooltip-279469\" id=\"tooltip-trigger-279469\" data-tooltip-id=\"279469\" style=\"border-bottom: none !important;\" class=\"lendedu-tooltip-trigger\"><sub>Tool Disclaimer<\/sub><\/span><\/p><div id=\"tooltip-079d5de1-7927-4e20-886e-0f81245669bc\" class=\"lendedu-tooltip lendedu-tooltip--rich\"><p class=\"lendedu-tooltip__text\">This quiz is intended to help illustrate options a user may have based on available aggregate data, but it does not include every possible option.<br><br>Results from this quiz should not be considered a guarantee of approval or denial for any product. Each provider will have their own specific application procedures and eligibility requirements.<\/p><div class=\"lendedu-tooltip__actions\"><a class=\"lendedu-tooltip__cta\" href=\"\" target=\"\" rel=\"\"><\/a><a class=\"lendedu-tooltip__cta\" href=\"\" target=\"\" rel=\"\"><\/a><\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-lendedu-table-of-contents__container\"><button class=\"wp-block-lendedu-table-of-contents__menu-button\" aria-label=\"Toggle Table of Contents\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\"><path fill=\"#002678\" d=\"M19.25 4.625a1.125 1.125 0 0 1 0 2.25h-8.996a1.125 1.125 0 1 1 0-2.25zM19.25 17.125a1.125 1.125 0 0 1 0 2.25h-8.996a1.125 1.125 0 0 1 0-2.25zM19.25 10.875a1.125 1.125 0 0 1 0 2.25h-8.996a1.125 1.125 0 0 1 0-2.25zM6.754 4.625a1.125 1.125 0 0 1 0 2.25H4.75a1.125 1.125 0 0 1 0-2.25zM6.754 17.125a1.125 1.125 0 0 1 0 2.25H4.75a1.125 1.125 0 0 1 0-2.25zM6.754 10.875a1.125 1.125 0 0 1 0 2.25H4.75a1.125 1.125 0 0 1 0-2.25z\"><\/path><\/svg><\/button><details open class=\"wp-block-lendedu-table-of-contents is-style-left-rail\"><summary><span class=\"wp-block-lendedu-table-of-contents__summary-text\">Table of Contents<\/span><\/summary><div>\n<ol class=\"wp-block-lendedu-table-of-contents-list\">\n<li class=\"wp-block-lendedu-table-of-contents-item\"><a href=\"#helocvsheloan\">What is the difference between HELOCs and HELOANs?<\/a><\/li>\n\n\n\n<li class=\"wp-block-lendedu-table-of-contents-item\"><a href=\"#heloc-pros-cons\">HELOC vs. home equity loan pros and cons<\/a><\/li>\n\n\n\n<li class=\"wp-block-lendedu-table-of-contents-item\"><a href=\"#which-is-better\">Which is better: a HELOC or home equity loan?<\/a><\/li>\n<\/ol>\n<\/div><\/details><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"helocvsheloan\">What is the difference between HELOCs and HELOANs?<\/h2>\n\n\n\n<p>Home equity loans and home equity lines of credit both use your <a href=\"https:\/\/lendedu.com\/blog\/what-is-home-equity\/\">home equity<\/a> as collateral for financing. As a homeowner, you may be able to <a href=\"https:\/\/lendedu.com\/blog\/how-much-can-i-borrow-on-heloc\/\">borrow 85% of your home equity<\/a>, assuming your <a href=\"https:\/\/lendedu.com\/blog\/credit-score-needed-home-equity-loans\/\">income<\/a> and <a href=\"https:\/\/lendedu.com\/blog\/credit-score-needed-home-equity-loans\/\">credit<\/a> are strong enough for the estimated payments.&nbsp;<\/p>\n\n\n\n<p>Home equity-based financing means lower interest rates than other financing alternatives, such as credit cards or personal loans. But a HELOC and a home equity loan can put your house at risk of foreclosure if you fall behind on your payments.<\/p>\n\n\n\n<p>Beyond those similarities, the structure and repayment process vary for home equity loans and HELOCs. Here&#8217;s a look at the key differences.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"856\" height=\"1169\" src=\"https:\/\/lendedu.com\/wp-content\/uploads\/2023\/11\/Home-equity-loan-vs.-HELOC.png\" alt=\"Table showing the major differences and similarities between a HELOC and a home equity loan\" class=\"wp-image-164876\" srcset=\"https:\/\/lendedu.com\/wp-content\/uploads\/2023\/11\/Home-equity-loan-vs.-HELOC.png 856w, https:\/\/lendedu.com\/wp-content\/uploads\/2023\/11\/Home-equity-loan-vs.-HELOC.png?resize=183,250 183w, https:\/\/lendedu.com\/wp-content\/uploads\/2023\/11\/Home-equity-loan-vs.-HELOC.png?resize=220,300 220w, https:\/\/lendedu.com\/wp-content\/uploads\/2023\/11\/Home-equity-loan-vs.-HELOC.png?resize=768,1049 768w, https:\/\/lendedu.com\/wp-content\/uploads\/2023\/11\/Home-equity-loan-vs.-HELOC.png?resize=750,1024 750w, https:\/\/lendedu.com\/wp-content\/uploads\/2023\/11\/Home-equity-loan-vs.-HELOC.png?resize=146,200 146w, https:\/\/lendedu.com\/wp-content\/uploads\/2023\/11\/Home-equity-loan-vs.-HELOC.png?resize=53,72 53w\" sizes=\"auto, (max-width: 856px) 100vw, 856px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-heloc-and-heloan-lender-comparison\">HELOC and HELOAN lender comparison<\/h3>\n\n\n\n<div class=\"wp-block-lendedu-product-terms\" data-go2-lemeta=\"lendedu-product-terms\">\n\t<div class=\"wp-block-lendedu-product-terms__inner\">\n\t\t\n\n<div\n\tclass=\"wp-block-lendedu-product-terms-item\"\tdata-filter-state=\"1705,1706,1707,1708,1709,1710,1711,1712,1713,1714,1715,1717,1718,1719,1720,1721,1722,1723,1724,1725,1726,1727,1728,1729,1730,1731,1732,1733,1734,1735,1736,1737,1738,1739,1740,1741,1742,1743,1744,1745,1746,1747,1748,1749,1750,1751,1752,1753,1754,1755\"\n\tdata-filter-credit-score=\"640\"\n\tdata-filter-amount=\"20000|400000\"\n\tdata-filter-annual-income=\"\"\n\tdata-company-id=\"174307\"\n>\n\t\t\t<span class=\"wp-block-lendedu-product-terms-item__highlight\">\n\t\t\tBest Overall\t\t<\/span>\n\t\n\t<div class=\"wp-block-lendedu-product-terms-item__logo\">\n\t\t<div class=\"wp-block-lendedu-product-terms-item__logo-inner\">\n\t\t\t<div class=\"wp-block-lendedu-product-terms-item__logo-image\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"144\" height=\"30\" src=\"https:\/\/lendedu.com\/wp-content\/uploads\/2019\/10\/figure_refi.png\" class=\"attachment-full size-full\" alt=\"Figure logo\" loading=\"lazy\" srcset=\"https:\/\/lendedu.com\/wp-content\/uploads\/2019\/10\/figure_refi.png 144w, https:\/\/lendedu.com\/wp-content\/uploads\/2019\/10\/figure_refi.png?resize=72,15 72w\" sizes=\"auto, (max-width: 144px) 100vw, 144px\" \/>\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\n<div class=\"lendedu-ctas \">\n\t\t\t\n<div class=\"lendedu-rating lendedu-rating--stars\">\n\t<div class=\"lendedu-rating__text\">\n\t\t<span>5.0<\/span>\n\t\t<div class=\"lendedu-component-stars\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><\/div>\t<\/div>\n\n\t<\/div>\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/figure-heloc-o\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\t\t<\/div>\n\n\t\t\n<div class=\"lendedu-ctas lendedu-ctas--mobile\">\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/figure-heloc-o\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\t<\/div>\n\n\t<div class=\"wp-block-lendedu-product-terms-item__columns\">\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__varRates\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tRates (APR)\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\t<span updateval=\"figure-homeeq-600-alllow\" class=\"productupdate\">6.70%<\/span> \u2013 <span updateval=\"figure-homeeq-600-allhigh\" class=\"productupdate\">14.65%<\/span>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__fixedRates\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tFunding\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\t<span updateval=\"figure-homeeq-600-amountlowshort\" class=\"productupdate\">$20K<\/span> \u2013 <span updateval=\"figure-homeeq-600-amounthigh-short\" class=\"productupdate\">$750K<\/span>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__terms\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tTerms (Yrs.)\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\tDraw: <span updateval=\"figure-homeeq-600-drawtermrange\" class=\"productupdate\">2 \u2013 5<\/span> \/ Repayment: <span updateval=\"figure-homeeq-600-termlengths\" class=\"productupdate\">5, 10, 15, or 20<\/span>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__score\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tMin. Credit Score\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\t<span updateval=\"figure-homeeq-600-mincreditscore\" class=\"productupdate\">640<\/span> (720+ preferred)\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\n<div class=\"lendedu-ctas \">\n\t\t\t\n<div class=\"lendedu-rating lendedu-rating--stars\">\n\t<div class=\"lendedu-rating__text\">\n\t\t<span>5.0<\/span>\n\t\t<div class=\"lendedu-component-stars\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><\/div>\t<\/div>\n\n\t<\/div>\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/figure-heloc-o\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\n\t<\/div>\n\n\n\n<div\n\tclass=\"wp-block-lendedu-product-terms-item\"\tdata-filter-state=\"1705,1706,1707,1708,1709,1710,1713,1714,1717,1718,1719,1720,1721,1722,1723,1724,1725,1727,1728,1729,1732,1734,1735,1736,1737,1738,1739,1740,1741,1742,1743,1746,1747,1749,1751,1754,1755\"\n\tdata-filter-credit-score=\"640\"\n\tdata-filter-amount=\"5000|400000\"\n\tdata-filter-annual-income=\"\"\n\tdata-company-id=\"190305\"\n>\n\t\t\t<span class=\"wp-block-lendedu-product-terms-item__highlight\">\n\t\t\tBest Customer Reviews\t\t<\/span>\n\t\n\t<div class=\"wp-block-lendedu-product-terms-item__logo\">\n\t\t<div class=\"wp-block-lendedu-product-terms-item__logo-inner\">\n\t\t\t<div class=\"wp-block-lendedu-product-terms-item__logo-image\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"200\" height=\"78\" src=\"https:\/\/lendedu.com\/wp-content\/uploads\/2023\/10\/Aven-logo-e1727891899813.png\" class=\"attachment-full size-full\" alt=\"Aven logo\" loading=\"lazy\" srcset=\"https:\/\/lendedu.com\/wp-content\/uploads\/2023\/10\/Aven-logo-e1727891899813.png 200w, https:\/\/lendedu.com\/wp-content\/uploads\/2023\/10\/Aven-logo-e1727891899813.png?resize=72,28 72w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\n<div class=\"lendedu-ctas \">\n\t\t\t\n<div class=\"lendedu-rating lendedu-rating--stars\">\n\t<div class=\"lendedu-rating__text\">\n\t\t<span>5.0<\/span>\n\t\t<div class=\"lendedu-component-stars\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><\/div>\t<\/div>\n\n\t<\/div>\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/l5jxbby19yz1xjgv5e\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\t\t<\/div>\n\n\t\t\n<div class=\"lendedu-ctas lendedu-ctas--mobile\">\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/l5jxbby19yz1xjgv5e\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\t<\/div>\n\n\t<div class=\"wp-block-lendedu-product-terms-item__columns\">\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__varRates\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tRates (APR)\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\t<span updateval=\"aven-homeeq-1861-fixlow\" class=\"productupdate\">6.99%<\/span> \u2013 <span updateval=\"aven-homeeq-1861-fixhigh\" class=\"productupdate\">15.49%<\/span>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__fixedRates\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tFunding\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\t<span updateval=\"aven-homeeq-1861-amtminshort\" class=\"productupdate\">$5K<\/span> \u2013 <span updateval=\"aven-homeeq-1861-amtmaxshort\" class=\"productupdate\">$250K<\/span>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__terms\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tTerms (Yrs.)\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\tDraw: <span updateval=\"aven-homeeq-1861-drawtermexact_y\" class=\"productupdate\">5<\/span> \/ Repayment: <span updateval=\"aven-homeeq-1861-termlengthhigh_y\" class=\"productupdate\">5, 10, 15, or 30<\/span>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__score\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tMin. Credit Score\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\t<span updateval=\"aven-homeeq-1861-minfico\" class=\"productupdate\">640<\/span> (720+ preferred)\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\n<div class=\"lendedu-ctas \">\n\t\t\t\n<div class=\"lendedu-rating lendedu-rating--stars\">\n\t<div class=\"lendedu-rating__text\">\n\t\t<span>5.0<\/span>\n\t\t<div class=\"lendedu-component-stars\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><\/div>\t<\/div>\n\n\t<\/div>\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/l5jxbby19yz1xjgv5e\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\n\t<\/div>\n\n\n\n<div\n\tclass=\"wp-block-lendedu-product-terms-item\"\tdata-filter-state=\"1705,1706,1707,1708,1709,1710,1711,1712,1713,1714,1715,1716,1717,1718,1719,1720,1721,1722,1723,1724,1725,1726,1727,1728,1729,1730,1731,1732,1733,1734,1735,1736,1737,1738,1739,1740,1741,1742,1743,1744,1745,1746,1747,1749,1750,1751,1752,1753,1754,1755\"\n\tdata-filter-credit-score=\"670\"\n\tdata-filter-amount=\"10000|1000000\"\n\tdata-filter-annual-income=\"\"\n\tdata-company-id=\"176009\"\n>\n\t\t\t<span class=\"wp-block-lendedu-product-terms-item__highlight\">\n\t\t\tBest Credit Union\t\t<\/span>\n\t\n\t<div class=\"wp-block-lendedu-product-terms-item__logo\">\n\t\t<div class=\"wp-block-lendedu-product-terms-item__logo-inner\">\n\t\t\t<div class=\"wp-block-lendedu-product-terms-item__logo-image\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"400\" height=\"161\" src=\"https:\/\/lendedu.com\/wp-content\/uploads\/2024\/04\/FourLeaf_logo_EHL-NMLS_FCU-1.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/lendedu.com\/wp-content\/uploads\/2024\/04\/FourLeaf_logo_EHL-NMLS_FCU-1.png 400w, https:\/\/lendedu.com\/wp-content\/uploads\/2024\/04\/FourLeaf_logo_EHL-NMLS_FCU-1.png?resize=300,121 300w, https:\/\/lendedu.com\/wp-content\/uploads\/2024\/04\/FourLeaf_logo_EHL-NMLS_FCU-1.png?resize=320,129 320w, https:\/\/lendedu.com\/wp-content\/uploads\/2024\/04\/FourLeaf_logo_EHL-NMLS_FCU-1.png?resize=72,29 72w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\n<div class=\"lendedu-ctas \">\n\t\t\t\n<div class=\"lendedu-rating lendedu-rating--stars\">\n\t<div class=\"lendedu-rating__text\">\n\t\t<span>4.8<\/span>\n\t\t<div class=\"lendedu-component-stars\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><defs>\n\t\t\t<linearGradient id=\"lendedu-component-star--fill-090e42e8\" x1=\"0%\" y1=\"0%\" x2=\"100%\" y2=\"0%\">\n\t\t\t\t<stop offset=\"80%\" stop-color=\"#F2C94C\" \/>\n\t\t\t\t<stop offset=\"80%\" stop-color=\"var(--lendedu-color-star--stop, #FAF08960)\" \/>\n\t\t\t\t<stop offset=\"100%\" stop-color=\"var(--lendedu-color-star--stop, #FAF08960)\" \/>\n\t\t\t<\/linearGradient>\n\t\t<\/defs><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"url(#lendedu-component-star--fill-090e42e8)\" \/><\/svg><\/div>\t<\/div>\n\n\t<\/div>\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/bethpage-heloc-o\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\t\t<\/div>\n\n\t\t\n<div class=\"lendedu-ctas lendedu-ctas--mobile\">\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/bethpage-heloc-o\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\t<\/div>\n\n\t<div class=\"wp-block-lendedu-product-terms-item__columns\">\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__varRates\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tRates (APR)\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\tFixed <span updateval=\"bethpage-homeeq-1790-introapr\" class=\"productupdate\">6.99%<\/span> for 12 months, then as low as <span updateval=\"bethpage-homeeq-1790-varlow\" class=\"productupdate\">8.50%<\/span> variable<span role=\"tooltip\" aria-describedby=\"tooltip-264661\" id=\"tooltip-trigger-264661\" data-tooltip-id=\"264661\" style=\"border-bottom: 2px dotted var(--lendedu-color-blue-links)\" class=\"lendedu-tooltip-trigger\">\u24d8<\/span>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__fixedRates\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tFunding\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\t<span updateval=\"bethpage-homeeq-1790-amountlowshort\" class=\"productupdate\">$10K<\/span> \u2013 <span updateval=\"bethpage-homeeq-1790-amounthighshort\" class=\"productupdate\">$1M<\/span> \t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__terms\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tTerms (Yrs.)\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\tDraw: <span updateval=\"bethpage-homeeq-1790-drawtermexact_y\" class=\"productupdate\">10<\/span> \/ Repayment: <span updateval=\"bethpage-homeeq-1790-termlengthhigh_y\" class=\"productupdate\">20<\/span>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__score\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tMin. Credit Score\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\t<span updateval=\"bethpage-homeeq-1790-mincreditscore\" class=\"productupdate\">670<\/span>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\n<div class=\"lendedu-ctas \">\n\t\t\t\n<div class=\"lendedu-rating lendedu-rating--stars\">\n\t<div class=\"lendedu-rating__text\">\n\t\t<span>4.8<\/span>\n\t\t<div class=\"lendedu-component-stars\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><defs>\n\t\t\t<linearGradient id=\"lendedu-component-star--fill-3a582b7b\" x1=\"0%\" y1=\"0%\" x2=\"100%\" y2=\"0%\">\n\t\t\t\t<stop offset=\"80%\" stop-color=\"#F2C94C\" \/>\n\t\t\t\t<stop offset=\"80%\" stop-color=\"var(--lendedu-color-star--stop, #FAF08960)\" \/>\n\t\t\t\t<stop offset=\"100%\" stop-color=\"var(--lendedu-color-star--stop, #FAF08960)\" \/>\n\t\t\t<\/linearGradient>\n\t\t<\/defs><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"url(#lendedu-component-star--fill-3a582b7b)\" \/><\/svg><\/div>\t<\/div>\n\n\t<\/div>\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/bethpage-heloc-o\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\n\t\t\t<span class=\"lendedu-tooltip\" id=\"tooltip-7e4a53c8-8837-446b-85a0-7aa2e3143f4b\" >\n\t\t\t\t\t<\/span>\n\t\t\t<span class=\"lendedu-tooltip\" id=\"tooltip-06239a3c-6b6f-45f0-ae03-9770e1fdf56d\" >\n\t\t\tFixed intro rate of <span updateval=\"bethpage-homeeq-1790-introapr\" class=\"productupdate\">5.99%<\/span> for 12 months available for qualified borrowers\t\t<\/span>\n\t\t\t<span class=\"lendedu-tooltip\" id=\"tooltip-5a1aa301-2bfa-4be7-94ee-a4cb3c17d6df\" >\n\t\t\tAmounts above $500,000 considered on case-by-case basis.\t\t<\/span>\n\t<\/div>\n\n\n\n<div\n\tclass=\"wp-block-lendedu-product-terms-item\"\tdata-filter-state=\"1705,1706,1707,1708,1709,1710,1711,1712,1713,1714,1715,1716,1717,1718,1719,1720,1721,1722,1723,1724,1725,1726,1727,1728,1729,1730,1731,1732,1733,1734,1735,1736,1737,1738,1739,1740,1741,1742,1743,1744,1745,1746,1747,1748,1749,1750,1751,1752,1753,1754,1755\"\n\tdata-filter-credit-score=\"620\"\n\tdata-filter-amount=\"10000|1000000\"\n\tdata-filter-annual-income=\"\"\n\tdata-company-id=\"197958\"\n>\n\t\t\t<span class=\"wp-block-lendedu-product-terms-item__highlight\">\n\t\t\tBest Marketplace\t\t<\/span>\n\t\n\t<div class=\"wp-block-lendedu-product-terms-item__logo\">\n\t\t<div class=\"wp-block-lendedu-product-terms-item__logo-inner\">\n\t\t\t<div class=\"wp-block-lendedu-product-terms-item__logo-image\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"490\" height=\"152\" src=\"https:\/\/lendedu.com\/wp-content\/uploads\/2019\/06\/lendingtree-logo.png\" class=\"attachment-full size-full\" alt=\"lendingtree logo\" loading=\"lazy\" srcset=\"https:\/\/lendedu.com\/wp-content\/uploads\/2019\/06\/lendingtree-logo.png 490w, https:\/\/lendedu.com\/wp-content\/uploads\/2019\/06\/lendingtree-logo.png?resize=406,126 406w, https:\/\/lendedu.com\/wp-content\/uploads\/2019\/06\/lendingtree-logo.png?resize=300,93 300w, https:\/\/lendedu.com\/wp-content\/uploads\/2019\/06\/lendingtree-logo.png?resize=320,99 320w, https:\/\/lendedu.com\/wp-content\/uploads\/2019\/06\/lendingtree-logo.png?resize=72,22 72w\" sizes=\"auto, (max-width: 490px) 100vw, 490px\" \/>\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\n<div class=\"lendedu-ctas \">\n\t\t\t\n<div class=\"lendedu-rating lendedu-rating--stars\">\n\t<div class=\"lendedu-rating__text\">\n\t\t<span>4.5<\/span>\n\t\t<div class=\"lendedu-component-stars\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" 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12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><defs>\n\t\t\t<linearGradient id=\"lendedu-component-star--fill-0755b1a6\" x1=\"0%\" y1=\"0%\" x2=\"100%\" y2=\"0%\">\n\t\t\t\t<stop offset=\"50%\" stop-color=\"#F2C94C\" \/>\n\t\t\t\t<stop offset=\"50%\" stop-color=\"var(--lendedu-color-star--stop, #FAF08960)\" \/>\n\t\t\t\t<stop offset=\"100%\" stop-color=\"var(--lendedu-color-star--stop, #FAF08960)\" \/>\n\t\t\t<\/linearGradient>\n\t\t<\/defs><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"url(#lendedu-component-star--fill-0755b1a6)\" \/><\/svg><\/div>\t<\/div>\n\n\t<\/div>\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/lendingtree-heloc-heloc\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\t\t<\/div>\n\n\t\t\n<div class=\"lendedu-ctas lendedu-ctas--mobile\">\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/lendingtree-heloc-heloc\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\t<\/div>\n\n\t<div class=\"wp-block-lendedu-product-terms-item__columns\">\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__varRates\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tRates (APR)\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\tVaries\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__fixedRates\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tFunding\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\t$10K \u2013 $2M\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__terms\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tTerms (Yrs.)\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\tDraw: 2 \u2013 20 \/ Repayment: 5 \u2013 30\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column wp-block-lendedu-product-terms-item__score\">\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-header\">\n\t\t\t\t\tMin. Credit Score\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"wp-block-lendedu-product-terms-item__column-content\">\n\t\t\t\t\tNone\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\n<div class=\"lendedu-ctas \">\n\t\t\t\n<div class=\"lendedu-rating lendedu-rating--stars\">\n\t<div class=\"lendedu-rating__text\">\n\t\t<span>4.5<\/span>\n\t\t<div class=\"lendedu-component-stars\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"#F2C94C\" \/><\/svg><svg width=\"24\" height=\"24\" viewBox=\"0 0 12 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><defs>\n\t\t\t<linearGradient id=\"lendedu-component-star--fill-8ce5bd5e\" x1=\"0%\" y1=\"0%\" x2=\"100%\" y2=\"0%\">\n\t\t\t\t<stop offset=\"50%\" stop-color=\"#F2C94C\" \/>\n\t\t\t\t<stop offset=\"50%\" stop-color=\"var(--lendedu-color-star--stop, #FAF08960)\" \/>\n\t\t\t\t<stop offset=\"100%\" stop-color=\"var(--lendedu-color-star--stop, #FAF08960)\" \/>\n\t\t\t<\/linearGradient>\n\t\t<\/defs><path d=\"M6.87407 0.569462L7.96822 2.88658C8.10656 3.18768 8.38325 3.39714 8.71024 3.4495L11.1627 3.81605C11.9675 3.93387 12.282 4.96807 11.7034 5.55716L9.93016 7.36374C9.70378 7.59937 9.59059 7.93974 9.65347 8.26702L10.0685 10.8067C10.2068 11.6445 9.36421 12.2729 8.64735 11.8802L6.45904 10.6758C6.16978 10.5187 5.83022 10.5187 5.54096 10.6758L3.35265 11.8802C2.63578 12.2729 1.79316 11.6445 1.9315 10.8067L2.34653 8.26702C2.39683 7.93974 2.29622 7.59937 2.06984 7.36374L0.296555 5.55716C-0.281964 4.96807 0.0324486 3.93387 0.837345 3.81605L3.28976 3.4495C3.60418 3.39714 3.88086 3.18768 4.03178 2.88658L5.12593 0.569462C5.49065 -0.189821 6.52192 -0.189821 6.88664 0.569462H6.87407Z\" fill=\"url(#lendedu-component-star--fill-8ce5bd5e)\" \/><\/svg><\/div>\t<\/div>\n\n\t<\/div>\n\t\n\t<div class=\"lendedu-ctas__buttons\">\n\t\t\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/go2.lendedu.com\/go\/lendingtree-heloc-heloc\" class=\"lendedu-ctas__cta\">\n\t\t\t\t<span class=\"lendedu-ctas__cta-text\">\n\t\t\t\t\tView Rates\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t<span class=\"lendedu-ctas__cta-icon\">\n\t\t\t\t\t\t<svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t<path d=\"M13.5801 8.75L17 12L13.5801 15.25\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t<path d=\"M15.9507 12.0332H6.91992\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\"\/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<\/div>\n\n\t<\/div>\n\n\t<\/div>\n\n\t<\/div>\n\n\t<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-heloc-works\">What is a HELOC?<\/h3>\n\n\n\n<p>A <a href=\"https:\/\/lendedu.com\/blog\/what-is-a-home-equity-line-of-credit\/\">HELOC<\/a> is a form of revolving credit that allows you to draw on your credit line on your own schedule. Most lenders provide a checkbook or credit card attached to the account. The interest rate is often variable, but only your outstanding balance is charged.&nbsp;Some lenders charge you a fixed rate with each draw.<\/p>\n\n\n\n<p>HELOCs are divided into two stages: the <a href=\"https:\/\/lendedu.com\/blog\/how-does-draw-period-work-on-heloc\/\">draw period<\/a>, which typically <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-home-equity-line-of-credit-heloc-en-107\/\">lasts for 10 years<\/a>, followed by a <a href=\"https:\/\/lendedu.com\/blog\/how-does-heloc-repayment-work\/\">repayment<\/a> period that lasts another 10 to 20 years. Depending on your lender, you may be able to convert your variable rate to a fixed rate during repayment, which can help keep monthly payments more predictable.&nbsp;<\/p>\n\n\n\n<p>While each lender has its own borrower criteria, most <a href=\"https:\/\/lendedu.com\/blog\/home-equity-loan-heloc-requirements\/\">home equity loan and HELOC requirements<\/a> include the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Minimum credit score<\/strong>: Usually between 620 and 640<\/li>\n\n\n\n<li><strong>Income and debt-to-income ratio (DTI)<\/strong>: Helps determine affordability for your monthly payments based on other debt responsibilities; maximum DTI might be around 50%<\/li>\n\n\n\n<li><strong>Equity<\/strong>: Many lenders require your loan-to-value ratio (LTV) to be at least 15%<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-lendedu-tidbit wp-block-lendedu-tidbit--rich is-style-condensed has-lendedu-tidbit-medium-font-size\" data-go2-lemeta=\"lendedu-tidbit\"><div 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18.4216 24.1872C17.5029 24.1809 16.5842 24.1872 15.6655 24.1872C15.6655 24.1747 15.6655 24.1622 15.6655 24.1434V24.1372Z\" fill=\"#001E60\"><\/path><path d=\"M24.071 11.269C23.8772 11.269 23.7335 11.169 23.6897 11.0253C23.6397 10.8628 23.7022 10.7003 23.8585 10.6128C24.2147 10.4191 24.5772 10.2316 24.9397 10.0441C25.1584 9.93157 25.3772 9.81907 25.5959 9.70658C25.8147 9.60033 26.0147 9.65033 26.1084 9.83157C26.2084 10.0191 26.1271 10.2191 25.9084 10.3316C25.3522 10.619 24.7959 10.9128 24.2397 11.194C24.1772 11.2253 24.1022 11.244 24.0647 11.2628L24.071 11.269Z\" fill=\"#7779BA\" stroke=\"#7779BA\" stroke-width=\"0.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M8.32789 10.9299C8.32789 11.2049 8.0529 11.3549 7.79041 11.2174C7.39667 11.0174 7.00918 10.8112 6.62169 10.6112C6.4342 10.5174 6.24671 10.4237 6.06546 10.3175C5.86547 10.205 5.79672 10.0175 5.89047 9.82997C5.98421 9.64873 6.18421 9.58623 6.39045 9.69248C6.96543 9.99247 7.54041 10.2925 8.11539 10.5924C8.25289 10.6612 8.32789 10.7674 8.32789 10.9237V10.9299Z\" fill=\"#7779BA\" stroke=\"#7779BA\" stroke-width=\"0.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M15.7781 5.32437C15.7781 5.03688 15.7781 4.74314 15.7781 4.45565C15.7781 4.21191 15.9156 4.05566 16.1218 4.05566C16.3343 4.05566 16.4781 4.19941 16.4781 4.44315C16.4781 5.03063 16.4781 5.61186 16.4781 6.19934C16.4781 6.44309 16.3406 6.59308 16.1281 6.59308C15.9156 6.59308 15.7843 6.43684 15.7781 6.19934C15.7781 5.91185 15.7781 5.61811 15.7781 5.33062V5.32437Z\" fill=\"#7779BA\" stroke=\"#7779BA\" stroke-width=\"0.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M11.8211 7.25591C11.8211 7.4434 11.7086 7.5809 11.5586 7.62465C11.4148 7.66839 11.2648 7.61215 11.1711 7.4684C10.9648 7.15591 10.7648 6.83717 10.5586 6.52468C10.4524 6.35594 10.3461 6.19344 10.2399 6.0247C10.1149 5.8247 10.1586 5.63721 10.3524 5.51221C10.5273 5.39972 10.7023 5.44347 10.8273 5.63721C11.1398 6.11844 11.4461 6.59968 11.7523 7.08091C11.7898 7.14341 11.8023 7.21841 11.8211 7.25591Z\" fill=\"#7779BA\" stroke=\"#7779BA\" stroke-width=\"0.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M22.1897 5.80477C22.1522 5.88601 22.1209 5.99851 22.0647 6.09226C21.7709 6.56099 21.4772 7.02348 21.1709 7.47971C21.0584 7.64846 20.8522 7.67971 20.6897 7.56721C20.5397 7.46721 20.4835 7.26097 20.5897 7.09847C20.8147 6.73599 21.0584 6.37975 21.2897 6.02351C21.3897 5.87351 21.4897 5.71727 21.5897 5.56727C21.6709 5.44853 21.7772 5.41103 21.9084 5.46103C22.0522 5.51728 22.1772 5.59853 22.1897 5.79852V5.80477Z\" fill=\"#7779BA\" stroke=\"#7779BA\" stroke-width=\"0.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M20.1903 15.0421C20.1903 15.6233 19.7903 16.0046 19.2903 15.8733C18.9778 15.7921 18.7591 15.5234 18.7466 15.1859C18.6716 13.6359 17.6529 12.6109 16.0967 12.536C15.6967 12.5172 15.3779 12.1985 15.3779 11.811C15.3779 11.4172 15.7092 11.0985 16.1217 11.0922C18.0903 11.061 19.9153 12.6609 20.1403 14.6171C20.159 14.7609 20.1715 14.8984 20.1903 15.0421Z\" fill=\"white\"><\/path><path d=\"M12.6651 25.3496H18.6086C18.7399 27.287 17.4399 28.8932 15.7275 28.9432C14.0025 28.9995 12.6588 27.4433 12.6651 25.3496Z\" fill=\"#00B9AE\"><\/path><\/svg><\/span><\/div><div><p style=\"color:var(--lendedu-color-navy-700)\"><strong>Real-life example: <\/strong>Jason\u2019s daughter was starting college, and while he had a general idea of tuition and housing costs, he wasn\u2019t sure what extra expenses would arise each semester. <strong>He opened a HELOC<\/strong> with a 10-year draw period, allowing him to pay for books, travel, and fees as needed without taking on unnecessary debt all at once.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n\t<figure class=\"is-type-video is-provider-youtube wp-block-embed-youtube lendedu-youtube-embed\" itemscope itemtype=\"https:\/\/schema.org\/VideoObject\">\n\t\t<lite-youtube  shorts videoid=\"ljJCJ36Imeo\"><\/lite-youtube>\n\t\t\t\t\t<meta itemprop=\"name\" content=\"What Is a HELOC (Home Equity Line of Credit)?\">\n\t\t\t<meta itemprop=\"width\" content=\"540\">\n\t\t\t<meta itemprop=\"height\" content=\"960\">\n\t\t\t<meta itemprop=\"embedUrl\" content=\"https:\/\/www.youtube.com\/embed\/ljJCJ36Imeo?feature=oembed\">\n\t\t\t<meta itemprop=\"thumbnailUrl\" content=\"https:\/\/i.ytimg.com\/vi\/ljJCJ36Imeo\/hq2.jpg\">\n\t\t\t\t\t<\/figure>\n\t\n\n\n<h3 class=\"wp-block-heading\" id=\"how-heloan-works\">What is a HELOAN?<\/h3>\n\n\n\n<p>A <a href=\"https:\/\/lendedu.com\/blog\/what-is-a-home-equity-loan\/\">home equity loan<\/a> is an installment loan, which means you&#8217;ll repay your balance with fixed monthly payments over a certain period. Interest rates are usually fixed, and so is the amount you borrow. These firm numbers can make it easy to plan your budget.&nbsp;<\/p>\n\n\n\n<p>Payments are spread out over five to 30 years, which could keep your payments quite low.&nbsp; The downside is that you&#8217;ll be in debt longer with an extended repayment period.&nbsp;<\/p>\n\n\n\n<p>Like a mortgage, a home equity loan usually comes with <a href=\"https:\/\/lendedu.com\/blog\/home-equity-loan-fees\/\" target=\"_blank\" rel=\"noopener\">closing costs<\/a> paid to the lender. The range is 2% to 5%. For example, based on those percentages, closing costs for a $50,000 home equity loan could total $1,000 to $2,500, due at closing.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-lendedu-tidbit wp-block-lendedu-tidbit--rich is-style-condensed has-lendedu-tidbit-medium-font-size\" data-go2-lemeta=\"lendedu-tidbit\"><div style=\"background-color:#e9edf5;display:flex;border-width:1px;border-style:solid;border-color:#e9edf5\"><div class=\"wp-block-lendedu-tidbit__inner\"><div><span style=\"background-color:var(--lendedu-color-navy-200);display:flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 18 18\" fill=\"none\" id=\"svg-step\" height=\"22\" width=\"22\" class=\"lendedu-icon--filled\" aria-hidden=\"true\"><path d=\"M5.91065 9.60203C5.76025 9.54318 5.59349 9.49413 5.43981 9.44181C5.03109 9.30776 4.61257 9.19004 4.20385 9.05272C3.93573 8.96443 3.60222 8.80095 3.33083 8.75844C3.08233 8.7192 3.05945 8.89577 3.03329 9.08868C2.9352 9.82437 2.85999 11.0047 3.06599 11.711C3.40604 12.8848 4.6093 13.1268 5.47905 12.329C6.18531 11.6816 6.1755 10.8413 6.35534 9.97151C6.36842 9.84399 6.34553 9.81129 6.23109 9.74917C6.13953 9.70012 6.00547 9.638 5.91065 9.59876V9.60203Z\" fill=\"#122365\"><\/path><path d=\"M3.93914 4.91292C4.4721 3.73255 5.41052 2.53583 6.67917 2.12057C7.67644 1.7936 8.78488 2.12711 9.15763 3.17669C9.6906 4.68731 8.52003 6.60337 7.70587 7.82625C7.4541 8.20227 7.19252 8.60118 6.92113 8.96739C6.80996 9.12107 6.76092 9.22243 6.55165 9.1603C6.31623 9.08837 6.07754 8.96085 5.84212 8.87257C5.36801 8.696 4.8612 8.52924 4.37728 8.38211C4.0732 8.29055 3.73969 8.22189 3.44214 8.11726C3.12825 8.00609 3.11844 7.93088 3.17402 7.6268C3.30154 6.91727 3.50426 6.0606 3.74949 5.38703C3.80508 5.23663 3.87374 5.0666 3.93914 4.91946V4.91292Z\" fill=\"#00B9AE\"><\/path><path d=\"M8.67988 15.9477L8.48697 15.8692C7.81013 15.5259 7.53875 14.7575 7.78725 14.0512C7.94092 13.6164 8.14365 13.175 8.43465 12.8185C8.53928 12.691 8.91857 12.2202 9.02647 12.1581C9.0886 12.1221 9.13765 12.1221 9.20304 12.1384C9.58233 12.3641 9.95835 12.5962 10.3344 12.8251C10.7856 13.103 11.2859 13.3875 11.7175 13.6916C11.9562 13.8583 11.9921 13.963 11.7829 14.1918C11.6096 14.3815 11.3709 14.5875 11.178 14.764C10.5632 15.3199 9.58887 16.2289 8.68315 15.9477H8.67988Z\" fill=\"#122365\"><\/path><path d=\"M13.5389 5.68419C14.4609 5.97847 14.9416 6.92996 15.0397 7.8324C15.2555 9.84329 14.0653 11.658 12.8261 13.1261C12.7443 13.2242 12.6103 13.4073 12.4631 13.3746C12.28 13.3354 11.8942 13.0084 11.7176 12.8874C10.9754 12.3839 10.171 11.9784 9.42227 11.488C9.29148 11.3768 9.35034 11.2002 9.38957 11.0596C9.62173 10.216 9.93235 9.3888 10.171 8.54521C10.5274 7.71142 10.9263 6.86129 11.6065 6.24005C12.11 5.77901 12.8555 5.46512 13.5389 5.68092V5.68419Z\" fill=\"#7779BA\"><\/path><\/svg><\/span><\/div><div><p style=\"color:var(--lendedu-color-navy-700)\"><strong>Real-life example: <\/strong>Maria wanted to add a full in-law suite to her home to accommodate her aging parents. She estimated the entire renovation would cost $85,000 and preferred to know exactly what her monthly payments would be. With a fixed interest rate and a 20-year term, a <strong>home equity loan<\/strong> allowed her to lock in a predictable monthly payment and stick to her renovation budget without surprises.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"heloc-pros-cons\">HELOC vs. home equity loan pros and cons<\/h2>\n\n\n\n<p>HELOCs also have pros and cons compared to a home equity loan.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-heloc-pros-and-cons\">HELOC pros and cons<\/h3>\n\n\n<section class=\"pros-and-cons\">\n\n\t<div class=\"pros\">\n\t\t<div class=\"pros-title\">\n\t\t\t<p class=\"heading-5\">Pros<\/p>\n\t\t<\/div>\n\n\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tFlexible funding amounts\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\tInstead of being limited to a one-time amount as you are with a home equity loan, a HELOC allows you to draw up to your credit limit over time. A typical draw period of 10 years can provide a long-term financial cushion.\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tInterest only charged on the balance\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\tInterest only accrues on your outstanding HELOC balance. As you pay off your balance, your credit line replenishes in case you want to borrow more in the future.\u00a0\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tLower or no closing costs\u00a0\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\t<a href=\"https:\/\/lendedu.com\/blog\/heloc-no-closing-costs\/\">Some HELOCs don\u2019t have closing costs<\/a>, unlike home equity loans. This can save you upfront cash.\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<\/ul>\n\n\t<\/div>\n\n\t<p class=\"pro-description pro-caption\"><\/p>\n\n\t<div class=\"cons\">\n\t\t<div class=\"cons-title\">\n\t\t\t<p class=\"heading-5\">Cons<\/p>\n\t\t<\/div>\n\n\t\t<ul>\n\t\t\t\t\t\t\t\t<li>\n\t\t\t\t<p class=\"con\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\tPayments could increase\t\t\t\t\t<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"con-description\">\n\t\t\t\t\tBecause most HELOCs have variable interest rates, it can be hard to know what to expect to pay for your future payments.\u00a0\t\t\t\t<\/p>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t<p class=\"con\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\tCould overspend\t\t\t\t\t<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"con-description\">\n\t\t\t\t\tAccess to a credit line could tempt you to draw funds for non-emergency or unplanned expenses. It&#8217;s smart to have a specific <a href=\"https:\/\/lendedu.com\/blog\/heloc-uses\/\">strategy for using your HELOC<\/a> instead of taking withdrawals on a whim.\t\t\t\t<\/p>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t<p class=\"con\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\tMay pay fees\t\t\t\t\t<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"con-description\">\n\t\t\t\t\tSome HELOCs <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-fees-can-my-lender-charge-if-i-take-out-a-heloc-en-249\/\" target=\"_blank\" rel=\"noopener\">charge various fees<\/a>, including an annual fee to maintain the account, an inactivity fee if you don&#8217;t use your account, a cancellation fee if you close your account early, and a conversion fee if you transfer your balance from a variable to a fixed rate.\t\t\t\t<\/p>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\n\t<\/div>\n\t<p class=\"con-description con-caption\"><\/p>\n\n<\/section>\n\n\n<section class=\"lgb-rm\">\n\t\t<div class=\"decorator\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/lendedu.com\/wp-content\/plugins\/lendeducom-gutenberg-blocks\/src\/assets\/img\/readmore.svg\">\n\t\t<\/div>\n\t\t<div class=\"lgb-rm-texts\">\n\t\t\t<span class=\"lgb-rm-title\">Read More<\/span>\n\t\t\t<p class=\"lgb-rm-description\"> <a href=\"https:\/\/lendedu.com\/blog\/pros-and-cons-of-home-equity-lines-of-credit\/\" target=\"_blank\" rel=\"noopener\">The 10 Pros and Cons of Home Equity Lines of Credit<\/a><\/p>\n\t\t<\/div>\n<\/section>\n\n\n\n<p>Here are the pros and cons to consider with a home equity loan compared to a HELOC.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-heloan-pros-and-cons\">HELOAN pros and cons<\/h3>\n\n\n<section class=\"pros-and-cons\">\n\n\t<div class=\"pros\">\n\t\t<div class=\"pros-title\">\n\t\t\t<p class=\"heading-5\">Pros<\/p>\n\t\t<\/div>\n\n\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tFixed interest rate\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\tHome equity loan rates are usually fixed, so even if rates rise in the future, your payments will remain the same.\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tPredictable payoff period\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\tSet monthly payments make it easy to budget for your home equity loan, which can give you more confidence in its affordability over the long term.\u00a0\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<p class=\"pro\">\n\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\tLonger repayment term\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\t<p class=\"pro-description\">\n\t\t\t\t\t\tRepayment terms might last as long as 30 years, which can keep your monthly bill low.\u00a0\t\t\t\t\t<\/p>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<\/ul>\n\n\t<\/div>\n\n\t<p class=\"pro-description pro-caption\"><\/p>\n\n\t<div class=\"cons\">\n\t\t<div class=\"cons-title\">\n\t\t\t<p class=\"heading-5\">Cons<\/p>\n\t\t<\/div>\n\n\t\t<ul>\n\t\t\t\t\t\t\t\t<li>\n\t\t\t\t<p class=\"con\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\tMust borrow a lump sum\t\t\t\t\t<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"con-description\">\n\t\t\t\t\tUnlike a HELOC, home equity loans aren&#8217;t set up to let you borrow more cash in the future without submitting a new loan application.\t\t\t\t<\/p>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t<p class=\"con\">\n\t\t\t\t\t<span>\n\t\t\t\t\t\tClosing costs could be higher than a HELOC\u00a0\t\t\t\t\t<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"con-description\">\n\t\t\t\t\tYou could pay as much as 5% of the loan amount at closing, which might add thousands of dollars to the total cost of the loan.\u00a0\t\t\t\t<\/p>\n\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\n\t<\/div>\n\t<p class=\"con-description con-caption\"><\/p>\n\n<\/section>\n\n\n<section class=\"lgb-rm\">\n\t\t<div class=\"decorator\">\n\t\t\t<img decoding=\"async\" src=\"https:\/\/lendedu.com\/wp-content\/plugins\/lendeducom-gutenberg-blocks\/src\/assets\/img\/readmore.svg\">\n\t\t<\/div>\n\t\t<div class=\"lgb-rm-texts\">\n\t\t\t<span class=\"lgb-rm-title\">Read More<\/span>\n\t\t\t<p class=\"lgb-rm-description\"> <a href=\"https:\/\/lendedu.com\/blog\/home-equity-loan-pros-cons\/\" target=\"_blank\" rel=\"noopener\">The 17 Pros and Cons of Home Equity Loans<\/a><\/p>\n\t\t<\/div>\n<\/section>\n\n\n\n<p>Do both options sound attractive? It&#8217;s also possible to have both a <a href=\"https:\/\/lendedu.com\/blog\/can-you-have-home-equity-loan-and-line-of-credit\/\">home equity loan and a HELOC at the same time<\/a> if you meet the eligibility requirements.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"which-is-better\">Which is better: a HELOC or home equity loan?<\/h2>\n\n\n\n<p>Home equity loans and HELOCs are structured differently, so the right choice depends on how you plan to use the funds. Here&#8217;s a quick overview of when to choose a home equity loan or HELOC, plus more considerations below.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table new-lendedu-table is-style-stripes\"><table><tbody><tr><td>Choose a home equity loan if\u2026&nbsp;<\/td><td>Choose a HELOC if\u2026<\/td><\/tr><tr><td>You have a large one-time expense<\/td><td>You have an ongoing expense or don&#8217;t know how much money you need<\/td><\/tr><tr><td>You&#8217;re prone to drawing more than you need<\/td><td>You&#8217;re confident in how you plan to withdraw funds<\/td><\/tr><tr><td>You want a set monthly payment<\/td><td>You have flexibility in your repayment budget<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-style-long is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Typically, if the amount is a one-time large expense that they know they need, I recommend that my clients first shop around for the best terms for a home equity loan.&nbsp;<\/p>\n\n\n\n<p>However, due to the higher interest rates we have been experiencing, clients want to avoid locking in a fixed rate and instead choose to shop for a favorable HELOC with a variable rate that meets their funding goals.&nbsp;<\/p>\n\n\n\n<p>Ultimately, it depends on the amount they need, the interest rate environment, the housing market, and their risk tolerance.<\/p>\n<cite>Erin Kinkade, CFP\u00ae<\/cite><\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"choose-heloc\">When to choose a HELOC<\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-pros\">\n<li><strong>Best for ongoing or unknown expenses<\/strong>: A HELOC is well-suited for major renovations with multiple phases or tuition payments spread out over several years.&nbsp;<\/li>\n\n\n\n<li><strong>Best for confident budgeters<\/strong>:<strong> <\/strong>If you know how you\u2019ll use your HELOC and that you\u2019ll stick to it, having a credit line at your fingertips can be an appropriate choice.<\/li>\n\n\n\n<li><strong>Best for flexible budgets<\/strong>: It&#8217;s difficult to calculate your exact HELOC repayment amount because variable interest and your outstanding balance can change over time. A HELOC may be better for individuals with flexibility in how much they can pay.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"choose-heloan\">When to choose a HELOAN<\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-pros\">\n<li><strong>Best for a one-time expense<\/strong>:<strong> <\/strong>Examples may include major life events, such as a wedding or adoption, or a small renovation with just one or two contractor payments.<\/li>\n\n\n\n<li><strong>Best for sticking to a budget<\/strong>: A home equity loan doesn&#8217;t offer the temptation of drawing additional funds because you only have access to a one-time payment. If you&#8217;re unsure how easy it would be to manage a HELOC, this could be a better choice.<\/li>\n\n\n\n<li><strong>Best for fixed payments<\/strong>:<strong> <\/strong>It&#8217;s easier to plan your payoff with a home equity loan because you have a clear timeline and monthly payment. If you&#8217;re comfortable with those numbers, you can feel confident about staying on top of your payments each month.&nbsp;<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-lendedu-tidbit wp-block-lendedu-tidbit--rich is-style-condensed has-lendedu-tidbit-medium-font-size\" data-go2-lemeta=\"lendedu-tidbit\"><div style=\"background-color:#e9edf5;display:flex;border-width:1px;border-style:solid;border-color:#e9edf5\"><div class=\"wp-block-lendedu-tidbit__inner\"><div><span style=\"background-color:var(--lendedu-color-navy-200);display:flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 18 18\" fill=\"none\" id=\"svg-step\" height=\"22\" width=\"22\" class=\"lendedu-icon--filled\" aria-hidden=\"true\"><path d=\"M5.91065 9.60203C5.76025 9.54318 5.59349 9.49413 5.43981 9.44181C5.03109 9.30776 4.61257 9.19004 4.20385 9.05272C3.93573 8.96443 3.60222 8.80095 3.33083 8.75844C3.08233 8.7192 3.05945 8.89577 3.03329 9.08868C2.9352 9.82437 2.85999 11.0047 3.06599 11.711C3.40604 12.8848 4.6093 13.1268 5.47905 12.329C6.18531 11.6816 6.1755 10.8413 6.35534 9.97151C6.36842 9.84399 6.34553 9.81129 6.23109 9.74917C6.13953 9.70012 6.00547 9.638 5.91065 9.59876V9.60203Z\" fill=\"#122365\"><\/path><path d=\"M3.93914 4.91292C4.4721 3.73255 5.41052 2.53583 6.67917 2.12057C7.67644 1.7936 8.78488 2.12711 9.15763 3.17669C9.6906 4.68731 8.52003 6.60337 7.70587 7.82625C7.4541 8.20227 7.19252 8.60118 6.92113 8.96739C6.80996 9.12107 6.76092 9.22243 6.55165 9.1603C6.31623 9.08837 6.07754 8.96085 5.84212 8.87257C5.36801 8.696 4.8612 8.52924 4.37728 8.38211C4.0732 8.29055 3.73969 8.22189 3.44214 8.11726C3.12825 8.00609 3.11844 7.93088 3.17402 7.6268C3.30154 6.91727 3.50426 6.0606 3.74949 5.38703C3.80508 5.23663 3.87374 5.0666 3.93914 4.91946V4.91292Z\" fill=\"#00B9AE\"><\/path><path d=\"M8.67988 15.9477L8.48697 15.8692C7.81013 15.5259 7.53875 14.7575 7.78725 14.0512C7.94092 13.6164 8.14365 13.175 8.43465 12.8185C8.53928 12.691 8.91857 12.2202 9.02647 12.1581C9.0886 12.1221 9.13765 12.1221 9.20304 12.1384C9.58233 12.3641 9.95835 12.5962 10.3344 12.8251C10.7856 13.103 11.2859 13.3875 11.7175 13.6916C11.9562 13.8583 11.9921 13.963 11.7829 14.1918C11.6096 14.3815 11.3709 14.5875 11.178 14.764C10.5632 15.3199 9.58887 16.2289 8.68315 15.9477H8.67988Z\" fill=\"#122365\"><\/path><path d=\"M13.5389 5.68419C14.4609 5.97847 14.9416 6.92996 15.0397 7.8324C15.2555 9.84329 14.0653 11.658 12.8261 13.1261C12.7443 13.2242 12.6103 13.4073 12.4631 13.3746C12.28 13.3354 11.8942 13.0084 11.7176 12.8874C10.9754 12.3839 10.171 11.9784 9.42227 11.488C9.29148 11.3768 9.35034 11.2002 9.38957 11.0596C9.62173 10.216 9.93235 9.3888 10.171 8.54521C10.5274 7.71142 10.9263 6.86129 11.6065 6.24005C12.11 5.77901 12.8555 5.46512 13.5389 5.68092V5.68419Z\" fill=\"#7779BA\"><\/path><\/svg><\/span><\/div><div><p style=\"color:var(--lendedu-color-navy-700)\"><strong>Real-life example: Choosing a HELOC over a HELOAN in a rising-rate environment<\/strong><br>Lauren considered taking out a $50,000 home equity loan to renovate her kitchen and bathrooms. However, fixed-rate loans had recently jumped to nearly 10%. Instead, she opted for a HELOC with an initial variable rate around 7%, planning to pay off the balance quickly over the next two years. The flexibility helped her save on interest and borrow only what she truly needed.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Recap: HELOC vs. home equity loan&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table new-lendedu-table is-style-stripes\"><table><tbody><tr><td>Detail<\/td><td>HELOC<\/td><td>Home equity loan<\/td><\/tr><tr><td>Rates<\/td><td>Variable<\/td><td>Fixed<\/td><\/tr><tr><td>Amounts<\/td><td>Percentage of your equity<\/td><td>Percentage of your equity<\/td><\/tr><tr><td>Draw period?<\/td><td>10 years<\/td><td>None<\/td><\/tr><tr><td>Repayment terms<\/td><td>10 \u2013 20 years<\/td><td>5 \u2013 30 years<\/td><\/tr><tr><td>Best for<\/td><td>Ongoing expenses<\/td><td>One-time costs<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Both home equity lines of credit (HELOCs) and home equity loans allow homeowners to borrow against their home\u2019s value. Is one better than the other?<\/p>\n","protected":false},"author":75,"featured_media":101048,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"pmpro_default_level":"","_project_five_cents_phone_tracking":false,"_reviewed_by_expert":0,"expert_id":"101","expert_ck":"on","_methodology":{"enabled":false,"content":"","top_pick":"","jump_link":""},"_standard":{"id":0},"_edited_by":104,"_yoast_wpseo_primary_category":1377,"_last_updated_date":"","_post_title_color":"","_post_title_font_size":0,"_post_title_word_colors":[],"_display_post_contributors":true,"_lendedu_schema_review":{"schemaData":"{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Review\",\"headline\":\"HELOC vs. HELOAN: 6 Key Differences, Pros, and 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It\u2019s possible, but you may have better options. 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Or Get a Home Equity Loan or Line of Credit?","author":"Cassidy Horton, MBA","date":"January 13, 2025","format":false,"excerpt":"Thinking about tapping into your home\u2019s equity but unsure whether to refinance, get a home equity loan, or take out a HELOC? Each option works differently and has its pros and cons. The type of loan you\u2019ll want will depend on your financial goals and how you plan to use\u2026","rel":"","context":"In &quot;Top Home Equity Lenders In 2026&quot;","block_context":{"text":"Top Home Equity Lenders In 2026","link":"https:\/\/lendedu.com\/home-equity\/"},"img":{"alt_text":"Should I Refinance My Mortgage? 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Capital One was once a player in the home loan and mortgage loan space\u2014but it no longer offers home equity products.\u00a0 If you are looking for a home\u2026","rel":"","context":"In &quot;HELOCs&quot;","block_context":{"text":"HELOCs","link":"https:\/\/lendedu.com\/home-equity\/helocs\/"},"img":{"alt_text":"Capital One Home Equity Review","src":"https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2023\/12\/Capital-One-Home-Equity-Review.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2023\/12\/Capital-One-Home-Equity-Review.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2023\/12\/Capital-One-Home-Equity-Review.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2023\/12\/Capital-One-Home-Equity-Review.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2023\/12\/Capital-One-Home-Equity-Review.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":179285,"url":"https:\/\/lendedu.com\/blog\/helocs-for-home-repairs\/","url_meta":{"origin":101039,"position":3},"title":"Best HELOCs for Home Repairs With Fast Funding in 2026","author":"Catherine Collins","date":"May 15, 2024","format":false,"excerpt":"Nothing is as stressful as an unexpected home repair. Whether it\u2019s a broken HVAC system, flooded basement, or mold remediation, you often need to make home repairs fast for the safety and comfort of your family. One way to access cash quickly is to tap into your home\u2019s equity by\u2026","rel":"","context":"In &quot;HELOCs&quot;","block_context":{"text":"HELOCs","link":"https:\/\/lendedu.com\/home-equity\/helocs\/"},"img":{"alt_text":"HELOCs for Home Repairs","src":"https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2024\/05\/HELOCs-for-Home-Repairs.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2024\/05\/HELOCs-for-Home-Repairs.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2024\/05\/HELOCs-for-Home-Repairs.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2024\/05\/HELOCs-for-Home-Repairs.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2024\/05\/HELOCs-for-Home-Repairs.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":126176,"url":"https:\/\/lendedu.com\/blog\/what-is-a-home-equity-line-of-credit\/","url_meta":{"origin":101039,"position":4},"title":"What Is a Home Equity Line of Credit (HELOC) and How Does It Work? 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If you have equity in your home and big dreams of a backyard oasis, you may be able to qualify for a home equity line of credit. Below, we share the top HELOC lenders. We also provide a step-by-step\u2026","rel":"","context":"In &quot;HELOCs&quot;","block_context":{"text":"HELOCs","link":"https:\/\/lendedu.com\/home-equity\/helocs\/"},"img":{"alt_text":"HELOCs for Landscaping Projects","src":"https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2024\/07\/HELOCs-for-Landscaping-Projects.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2024\/07\/HELOCs-for-Landscaping-Projects.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2024\/07\/HELOCs-for-Landscaping-Projects.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2024\/07\/HELOCs-for-Landscaping-Projects.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/lendedu.com\/wp-content\/uploads\/2024\/07\/HELOCs-for-Landscaping-Projects.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]}],"jetpack_featured_media_url":"https:\/\/lendedu.com\/wp-content\/uploads\/2019\/04\/HELOC-vs-Home-Equity-Loan-Which-is-Right-for-You.jpg","_links":{"self":[{"href":"https:\/\/lendedu.com\/wp-json\/wp\/v2\/posts\/101039","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lendedu.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lendedu.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lendedu.com\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/lendedu.com\/wp-json\/wp\/v2\/comments?post=101039"}],"version-history":[{"count":82,"href":"https:\/\/lendedu.com\/wp-json\/wp\/v2\/posts\/101039\/revisions"}],"predecessor-version":[{"id":279494,"href":"https:\/\/lendedu.com\/wp-json\/wp\/v2\/posts\/101039\/revisions\/279494"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lendedu.com\/wp-json\/wp\/v2\/media\/101048"}],"wp:attachment":[{"href":"https:\/\/lendedu.com\/wp-json\/wp\/v2\/media?parent=101039"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lendedu.com\/wp-json\/wp\/v2\/categories?post=101039"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lendedu.com\/wp-json\/wp\/v2\/tags?post=101039"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}