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Featured Home Equity Rates in New Jersey

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-01-26 Equal Housing Lender

  #1 Non-bank HELOC in the US, A+ BBB Rating

  $0

  #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses Learn More

• Upstart Home Lending NMLS ID: 2443873 / Updated 2025-07-23

  Intro APR: 6.520 % After Intro:6.520 %

  $20,800

  As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard** Fixed rate on each draw** No paperwork needed to apply Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Valley Strong Credit Union NMLS ID: 456506 / Updated 2025-10-29 Equal Housing Lender

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years Learn More

• Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2025-09-30

  Intro APR: 6.990 % After Intro:6.990 %

  $0

  Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600 Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22

  Intro APR: 5.990 % After Intro:7.000 % Intro Period: 12 months

  $25,000

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5] Learn More

• Farmers Bank of Kansas City NMLS ID: 613839 / Updated 2026-01-07 Equal Housing Lender

  Intro APR: 7.750 % After Intro:7.750 %

  $25,000

  Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV Learn More

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-01-26

  Unlock Your Home's Potential

  $0

  Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions! Unlock Your Home's Value: Discover the Power of our Online HELOC! Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step Secure Your Future: Experience the Ease of our Fixed Home Equity Loans Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-01-26 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

  $0

  Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-01-26

  Home Equity Loans & Refinance – Cash out

  $0

  Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business Learn More

• Renofi NMLS ID: 1802847 / Updated 2026-01-26

  Renovating? Work with experts in renovation financing

  $0

  Renovating? Work with experts in renovation financing Borrow up to 125% on your current home value to finance renovations Loans up to $750k with competitive rates from Credit Unions Borrow more than a typical HELOC Learn More

• Spring EQ NMLS ID: 1464945 / Updated 2026-01-26

  The leader for homeowners tapping cash from their homes since 2016.

  $0

  Access up to 90% of your home's equity, up to a maximum of $500,000. FIXLINE: The flexibility of a HELOC with the stability of a HELOAN. A fixed rate for life- no need to worry about fluctuating rates. We make it easy - and fast - to access your cash (as little as 11 days). Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-01-26

  Get cash now in exchange for a percentage of your homes future equity.

  $0

  No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance Learn More

• Rate NMLS ID: 2611 / Updated 2026-01-26

  Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi

  $0

  Nation's #2 retail mortgage lender in 2024. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. No in-person appraisal needed. Learn More

• Upstart Home Lending NMLS ID: 2443873 / Updated 2026-01-26

  As low as 6.52% APR on your initial draw*

  $0

  As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard** Fixed rate on each draw ** No paperwork needed to apply Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates in New Jersey

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Agave Home Loans NMLS ID: 1951574

  0.000%

  $0 Fees & Points $0 Total 0.000 Pts ($0) $0 Fees

  REFI, HELOC, & Home Equity Loan Options A+ BBB Rating & 1500+ 5-Star Reviews Get a Quote WITHOUT a Hard Credit Pull Learn More

• District Lending NMLS ID: 1835285

  5.624%

  $1,817 Fees & Points $4,413 Total 0.879 Pts ($2,813) $1,600 Fees

  Get an exceptional mortgage rate, be happy. Learn More

• Reliant Home Funding, Inc. NMLS ID: 292473

  5.755%

  $1,843 Fees & Points $4,597 Total 0.813 Pts ($2,602) $1,995 Fees

  Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Learn More

• Farmers Bank of Kansas City NMLS ID: 613839

  5.762%

  $1,843 Fees & Points $4,838 Total 0.922 Pts ($2,950) $1,888 Fees

  Competitive rates. Surprisingly smooth process. Learn More

• Colonial Mortgage Service Company of America NMLS ID: 112851 License#: N0002974

  5.797%

  $1,868 Fees & Points $1,638 Total 0.512 Pts ($1,638) $0 Fees

  Find the Home Loan of your Future Learn More

• Northpointe Bank NMLS ID: 447490

  5.868%

  $1,868 Fees & Points $4,115 Total 0.850 Pts ($2,720) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

• Barrett Financial Group, L.L.C. NMLS ID: 181106

  5.876%

  $1,868 Fees & Points $4,490 Total 0.750 Pts ($2,400) $2,090 Fees

  Get a customized quote in minutes. Learn More

• Bergen Mortgage Enterprise LLC NMLS ID: 1897215

  5.956%

  $1,893 Fees & Points $2,800 Total 0.875 Pts ($2,800) $0 Fees

  We searched 50+ lenders, so you'll save! Learn More

• AimLoan.com NMLS ID: 2890 License#: 2890

  5.971%

  $1,893 Fees & Points $3,334 Total 0.731 Pts ($2,339) $995 Fees

  Certified Upfront Lender! Online Loan Estimate! Apply & Lock Rate 24/7! 26 Years' Experience Get Your FREE Instant Rate Quote Learn More

• River City Mortgage LLC NMLS ID: 142954

  6.000%

  $1,893 Fees & Points $4,448 Total 0.768 Pts ($2,458) $1,990 Fees

  Talk to a Pro, Not a Prompt. No bots. No nonsense. Just real people. Accessible. Authentic. Transparent. We answer and make it make sense. From pre-approval to closing — we’re all in. Learn More

• PenFed Credit Union NMLS ID: 401822

  6.048%

  $1,893 Fees & Points $6,000 Total 0.875 Pts ($2,800) $3,200 Fees

  Let PenFed Bring You Home With Confidence Benefits before and after you refinance Lower your payment, get cash out, and more Learn More

• Allied Mortgage Group, Inc. NMLS ID: 1067

  6.055%

  $1,917 Fees & Points $2,221 Total 0.694 Pts ($2,221) $0 Fees

  Streamlined Process Expertise Customer Service Learn More

• Better.com NMLS ID: 330511

  6.081%

  $1,919 Fees & Points $2,790 Total 0.561 Pts ($1,795) $995 Fees

  The Right Mortgage could save you Thousands! Learn More

• Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894

  6.275%

  $1,945 Fees & Points $5,123 Total 0.976 Pts ($3,123) $2,000 Fees

  A brand you know and trust Quick and efficient process Mortgage products to fit your needs Learn More

• Quicken Loans NMLS ID: 167283

  Fees & Points Total Pts ($0) $0 Fees

  Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .