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2016 Best
Home Equity Loan Services Review
REVIEWS AND COMPARISONS
Displaying 2 - 10 of 10 « prev | next »
Ratings
Overall Rating
Rates & Fees
Eligibility
Loan Requirements
Customer Experience
9.35
9.18
9.13
9.03
8.98
8.82
8.60
8.45
8.28
8.25
10.00
8.75
9.38
8.75
8.13
8.13
9.38
8.75
7.50
8.13
8.75
10.00
9.38
8.75
9.38
9.38
8.75
8.75
9.38
8.13
8.75
8.75
8.13
9.38
10.00
9.38
8.13
7.50
8.75
8.13
9.75
9.75
10.00
10.00
8.75
8.75
6.25
8.75
7.50
9.38
Rankings
Displaying 2 - 10 of 10
Home Equity Loan Services Review
Rates & Fees
Traditional Loan Fixed Interest Rates*
?
2.75% - 5.375%
5.99% - 7.74%
Not Offered
4.49% - 4.99%
4.34% - 7.68%
6.49% - 9.19%
4.49% - 7.04%
Not Offered
4.29% - 7.91%
Not Offered
Variable Rate Cap*
?
18%**
18%
18%
18%
18%
18%
21%
24%
18%
21%
Early-Payoff Fee
?
None**
Up to Closing Costs
$400
None
None
Greater of 1% or $500
$350
$450 + Closing Cost
2% or $450
None
Maintenance Fee
?
0**
$50
$75
$65
$99
$90
$50
$0
$50
$50
No Closing Fee
?
 
 
No Application Fee
?
 
 
 
Rate Lock
?
 
Eligibility
Maximum Loan-to-Value Ratio
?
80%
75%
80%
80%
85%
80%
80%
85%
90%
80%
Maximum Debt-to-Income Ratio
?
36%
50%
43%
41%
50%
43%
Varies
36%
49%
43%
Minimum Credit Score
?
580
Un- disclosed
Un- disclosed
None
600
None
620
None
660
700
Minimum Amount of Equity
?
Up to Loan Amount
Up to Loan Amount
$10,000
120% of Loan Amount
None
$15,000
Varies
80% of Loan
$25,000
Up to Loan Amount
Second Home Eligible
?
 
 
 
 
Loan Requirements
HELOC
?
Traditional Equity Loan
?
 
 
 
Minimum HELOC Loan Amount
?
$25,000
$10,000
$20,000
$10,000
$5,000
$15,000
$17,500
$25,000
$25,000
$10,000
Maximum HELOC Loan Amount
?
$400,000
$100,000
$500,000
$150,000
None (Insurance will be calculated $250K +)
$750,000
$400,000
$500,000 Primary/ $100,000 Secondary
None
$500,000
Minimum Traditional Loan Amount
?
$25,000
$25,000
N/A
$10,000
$5,000
$15,000
$10,000
N/A
$25,000
N/A
Maximum Traditional Loan Amount
?
$400,000
$200,000
N/A
$150,000
None (Insurance will be calculated $250K +)
$750,000
$400,000
N/A
None
N/A
Maximum Repayment Period
?
30 Years
20 Years
20 Years
30 Years
30 Years
30 Years
15 Years
20 Years
30 Years
20 Years
HELOC Draw Period
?
5 to 10 Years
5 Years
10 Years + 1 Month
5 to 10 Years
1 to 15 Years
10 Years + 1 Month
10 Years
10 Years
10 Years
Up to 10 Years
No Required HELOC Closing Withdraw
?
Varies
 
Customer Experience
Loan Process
?
95%
90%
95%
100%
95%
100%
80%
95%
90%
85%
Customer Service
?
95%
100%
95%
100%
95%
90%
80%
90%
90%
100%
Customer Support
?
95%
95%
100%
95%
85%
85%
95%
90%
90%
95%