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Home Equity

Find out what home equity is and how to use it, plus news, advice and tools on home equity loans and HELOCs.

Home equity basics

A green house on a sunny day
It’s the portion of your home you own outright. Its uses are almost endless.
home equity
How to estimate your ownership stake, and how much of it you can borrow.
photo illustration of house balanced on stack of cash, light blue background
Everything you need to know about HELOC and home equity loan requirements in 2024.

Home equity tools & resources

Bankrate's suite of tools and articles are designed to help you effortlessly learn about your home equity, connect with reputable lenders, compare offers for HELOCs and home equity loans, and more.

The latest

Illustrated collage featuring a man removing a damaged roof
Use your home to fix your home: a smart move, if you bear the risks in mind.
A senior couple planning their finance and paying bills while using a laptop at home.
Less than you think, probably. Here’s what cuts into the tappable amount.
Illustrated image with a man and a dog
How to calculate if the costs outweigh the benefits.
A mom with her children outside
Some key facts and figures everyone who has a house should know.
home equity loans better than helocs
Reasons why more borrowers are opting for the fixed-rate loan over its credit-line cousin.
Two women chatting in front of a for sale sign
Your home equity line of credit’s life ends — but the debt doesn’t just disappear.
heloc in reserve
Why not keep a home equity line of credit in reserve for a rainy day?
Image of town houses with money falling from the sky
It’s when your home’s value sinks below the amount you owe on your mortgage.
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