Top Ranked Home Equity Loan Rates by State

​In 2025, homeowners have been scrambling to leverage their property’s equity have a variety of financing options across the United States. The RefiGuide ranks US states for the best home equity loan rates and HELOCs in 2025. Home equity loans and HELOCs offer new opportunities for these borrowers to access funds for purposes such as… Read More »

Home Equity Loan with Bad Credit

Getting approved for a bad credit home equity loan can be challenging to say the least. In 2025, most smart homeowners consider a HELOC or low credit home equity loan if they already have a low interest rate on their first mortgage. We published this article to help homeowners understand the loan to value and… Read More »

Calculate HELOC Payment with Ease

In 2025, Home Equity Lines of Credit or HELOC continues to be a popular 2nd-mortgage program for homeowners looking to access their property’s equity for home remodeling, debt consolidation, funding investments or unexpected expenses. The RefiGuide will teach you how to calculate home equity line of credit payments​ so you can budget accordingly. It’s no… Read More »

HELOC vs Home Equity Loan

What is the difference between HELOC and home equity loan? Mortgage interest rates have been soaring so more borrowers are choosing a HELOC or home equity loan to pull out cash from the equity in their property. Before taking out a second mortgage against your property, you need to understand the benefits and risks of… Read More »

Best Texas HELOC Rates

The Texas HELOCs and home equity loans have surged in popularity in 2025 with easier credit and and loan to value requirements from Lone Star lenders across the state. As November 2025 brings crisp fall air to the sprawling metros of Dallas, Houston, Austin, and San Antonio, Texas homeowners are riding high on a wave… Read More »

HELOC Rates in Colorado

Thousands of Colorado homeowners are considering a home equity line of credit for quick cash as lenders have eased borrowing requirements. The RefiGuide can help you shop for the best Colorado HELOC rates online from trusted banks and CO lenders at no cost with no obligation. As the leaves turn golden in the Rocky Mountains… Read More »

What Do Appraisers Look at for Home Equity Loans?

When homeowners seek a home equity loan, lenders typically require an appraisal to determine the value of the property.  Many homeowners want quick cash out with a home equity loan and the appraisal requirement can slow down the process. In this article, the RefiGuide will explore the various home equity loan appraisal options and what… Read More »

Best HELOC Lenders in California

California homeowners here hold a staggering trillions in tappable equity, per CoreLogic’s latest report, making Home Equity Lines of Credit, also called HELOCs, an attractive option for financing home improvements, consolidating credit card debt, education, or real estate investments.  In October 2025, California’s housing market remains a powerhouse, with median home values climbing 4.8% year-over-year… Read More »

Does a HELOC Require an Appraisal?

Millions of homeowners in the United States are looking for Home Equity Line of Credit or HELOC because they stands out as a flexible financing option in this current housing market in 2025. The HELOC allows borrowers to tap their home equity and draw funds as needed, pay interest only on what you borrow, and… Read More »

What Are the Best HELOC Rates in Florida?

Homeowners in the Sunshine State are blessed with over $2.1 trillion in tappable equity, according to CoreLogic’s Q3 report, making the home equity line of credit a wise financing choice for accessing funds at historically low variable HELOC rates.  In October 2025, Florida’s real estate market continues to sizzle, with median home prices reaching $420,000—a… Read More »