HELOC Comparison Tools
Compare HELOCs against other financing options. Make data-driven decisions about which product best fits your financial situation.
HELOC vs. Home Equity Loan
Variable rate line of credit vs. fixed rate lump sum. Compare flexibility, rates, and total costs.
Compare Now →HELOC vs. Cash-Out Refinance
Keep your low mortgage rate or refinance? Compare monthly payments and long-term costs.
Compare Now →HELOC vs. Personal Loan
Secured home equity vs. unsecured personal loan. Compare rates, amounts, and flexibility.
Compare Now →HELOC vs. Savings
Pay cash or borrow? Calculate the opportunity cost and see which option preserves more wealth.
Compare Now →Choosing the Right Home Equity Product
Not all home equity financing is created equal. Each option has distinct advantages and disadvantages depending on your situation.
HELOC vs. Home Equity Loan
HELOC: Variable rate, revolving credit, interest-only option, flexible borrowing
Home Equity Loan: Fixed rate, lump sum, predictable payments, no flexibility
HELOC vs. Cash-Out Refinance
If you have a low mortgage rate (under 4%), a cash-out refinance might cost you more in the long run. A HELOC lets you keep your low rate on the first mortgage.
HELOC vs. Personal Loan
HELOCs typically offer lower rates because they're secured by your home. Personal loans are unsecured and have higher rates, but don't put your home at risk.
HELOC vs. Using Savings
If your investments are earning more than the HELOC costs (after tax), borrowing might be smarter than depleting savings. This is called "arbitrage."