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Featured Home Equity Rates in New Jersey

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Upstart 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

• Third Federal Savings and Loan NMLS ID: 449401 / Updated 2025-09-18 Equal Housing Lender

  Intro APR: 6.990 % After Intro:6.990 %

  $0

  Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period Learn More

• Spring EQ NMLS ID: 1464945 / Updated 2025-09-18

  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

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-10

  Intro APR: 8.700 % After Intro:8.700 %

  $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

• Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-10

  Intro APR: 8.700 % After Intro:8.700 %

  $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

• Amboy Bank NMLS ID: 418478 / Updated 2025-09-18

  LOAN SALE! Guaranteed 12-month low rate

  $0

  LOAN SALE! 6.50% APR guaranteed for 12 months A 135-year-old bank in New Jersey. Voted Best Bank 25 years in a row. Change your payment with just a phone call Ongoing access to principal as you pay it back Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2025-05-08

  Intro APR: 10.125 % After Intro:10.125 %

  $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

• Rate NMLS ID: 2611 / Updated 2025-09-18

  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

• PenFed Credit Union NMLS ID: 401822 / Updated 2025-09-18 Equal Housing Lender

  Home Equity Line of Credit - Equal Housing Lender

  $0

  Home Equity Line of Credit - Equal Housing Lender Loans Amounts from $25,000 - $500,000 Get a HELOC from PenFed to Put Your Home Equity to Work HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans Learn More

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2025-09-18

  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

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2025-09-18

  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

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2025-09-18 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

• New American Funding, LLC NMLS ID: 6606 / Updated 2025-09-18

  Cash-Out and Home Equity Options Available.

  $0

  Competitive Rates for FICO Scores 580-679 366k+ positive reviews, A rating from the BBB Pay off higher interest rate credit cards, Pay college tuition 100% online mortgage application available Learn More

• District Lending NMLS ID: 598623 / Updated 2025-09-18

  No Lender Fees

  $0

  No Lender Fees Fast Easy Over 20 Years Experience Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2025-09-18

  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

• Upstart NMLS ID: 2443873 / Updated 2025-09-18

  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 ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates in New Jersey

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Northpointe Bank NMLS ID: 447490

  6.097%

  $1,919 Fees & Points $3,328 Total 0.604 Pts ($1,933) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

• Sebonic NMLS ID: 66247

  6.187%

  $1,945 Fees & Points $2,122 Total 0.663 Pts ($2,122) $0 Fees

  Whether it's time to buy or refi, we're here to help you take the next step. The home financing you need at the speed you deserve Learn More

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

  6.476%

  $1,997 Fees & Points $3,410 Total 0.847 Pts ($2,710) $700 Fees

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

• 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

• Rocket Mortgage NMLS ID: 3030

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

  Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Learn More

• Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.