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Read MoreAlso, a lender generally looks at your credit score and history, employment history, monthly income and monthly debts, just as when you first got your mortgage. A HELOC gives you the same ability to access funds, with the added benefits of flexibility and readiness. Learn more about home equity Home equity calculator How to calculate home equity and LTV Benefits of using home equity. An index is a financial indicator used by banks to set rates on many consumer loan products.
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Read MoreFind another lending specialist. Equity is the amount your property is currently worth, minus the amount of any existing mortgage on your property. Explore current rates and other financing options on our home equity rates page. If you cannot pay back the HEL, the lender could foreclose on your home. Find a location.